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Agenda 09/11/2018 Item #16D 609/11/2018 EXECUTIVE SUMMARY Recommendation to approve nineteen (19) mortgage satisfactions for the State Housing Initiatives Partnership (SHIP) Loan Program in the combined amount of $163,500. OBJECTIVE: To support the affordability of housing in Collier County through the SHIP down payment, emergency repair, and/or rehabilitation assistance programs. CONSIDERATIONS: SHIP, a State affordable housing program, offers assistance to first-time home buyers for use towards a portion of the required down payment and emergency repairs to the newly acquired home. As a condition of the award, the homeowner must repay the assistance provided upon sale, refinance, or loss of homestead exemption. Community and Human Services (CHS) staff has recently received payoff requests and payments for nineteen (19) mortgages listed below. The mortgages having been paid in full, the following homeowners have met the obligation, and the loan is satisfied. The following table provides details regarding the associated mortgages that have met their obligation. As such, satisfactions are required. File # Name Date Mortgage or Subordination Signed Recording Date SHIP Mortgage OR Book & Page Mortgage Amount Payoff Amount 99-001 Kathy Robinson 08/14/1998 08/19/1998 2452/2208 $5,000 $2,500* 03-161 Duver Rojas & Monica M. Canon 04/15/2003 05/08/2003 3286/2335 $2,500 $2,500 09-088 Jazmina Blanco 02/24/2009 04/06/2009 4441/1090 $3,000 $3,000 09-253 Esmeralda Rodriguez 08/04/2010 09/01/2010 4600/1981 $3,000 $3,000 09-257 Yeney Suarez 07/13/2010 07/28/2010 4589/3475 $3,000 $3,000 09-190 Waldimyr Pierre and Juliette Luc 11/09/2009 11/19/2009 4511/696 $3,000 $3,000 09-373 Fritzner Jean and Vita Jean Alexandre 05/27/2011 06/23/2011 4694/3092 $3,000 $3,000 09-121 Emilio Castro & Paula Martinez 04/30/2009 05/07/2009 4450/2669 $3,000 $3,000 07- 007R Phillip A. Arena, Sr. 08/22/2007 08/29/2007 4276/0258 $30,000 $4,944.92** 16.D.6 Packet Pg. 1093 09/11/2018 04-017 William & Rhita Hilaire 10/15/2003 10/21/2003 3426/0652 $5,000 $5,000 02-247 Jose A. Flores & Ruth D. Correa Flores 07/08/2002 07/23/2002 3077/2677 $7,500 $7,457.36* 03-320 Marie I. Delouis & Lucine Auguste 12/31/2004 02/08/2005 3730/2396 $10,000 $7,500* 11-042 Dignorah Ledo Diaz 11/20/2012 11/26/2012 4857/3151 $20,000 $20,000 11-073 Scott Michael Davis & Roxana Margarita Davis 01/18/2012 01/18/2013 01/23/2013 06/26/2013 4878/2170 4937/2503 $20,000 $20,000 11-012 Reinaldo A. Ferreira & Angela M. Andeliz Marte de Ferreira 08/10/2012 01/07/2013 09/19/2012 01/24/2013 4837/75 4878/3051 $20,000 $0* (term met) 95- unknow n Jeanie C. Riley 06/22/1995 10/20/1995 2111/0175 $15,000 $0* (term met) 05- 068R Eunice, Thomas & Dolores Cabrera 03/17/1997 05/31/2002 03/26/1997 06/07/2002 2298/1963 3051/1297 $2,500 $0* (term met) 09-082 Lazaro H. Sierra, Joan Santos & Maria C Sierra 01/23/2009 01/27/2009 06/04/2009 4422/3676 4458/3822 $3,000 $3,000 02-128 Ingrid E. Aguilar 01/30/2002 02/06/2002 2977/0934 $5,000 $5,000 Total $163.500 $95,902.28 *NOTE: The total amount stated on the mortgage was not dispersed to some clients. Those property owners were required to pay the amount they received which is less than the amount stated on the mortgage. In addition, some homeowners are released as they have met the term of their mortgage. **NOTE: This was a foreclosure. Approval of these items will authorize the Chairman to sign the aforementioned satisfaction of mortgage and the executed documents shall be recorded in the Public Records of Collier County, Florida. FISCAL IMPACT: The repaid amount of $95,902.28 satisfies the mortgage amount due to the recapture 16.D.6 Packet Pg. 1094 09/11/2018 provision as noted above. These repayments are considered program income. $87,902.28 was deposited in SHIP Grant Fund (791), Project 33525, and $8,000 was deposited in SHIP Grant Fund (791), Project 33569. Deposited funds will be used for eligible SHIP activities. Fifteen (15) recording fees of $10 have been paid by the homeowners, one (1) will be paid by Habitat for Humanity, and three (3) will be paid by the SHIP administration account. LEGAL CONSIDERATIONS: This Item is approved for form and legality and requires a majority vote for Board approval -JAB GROWTH MANAGEMENT IMPACT: There is no Growth Management impact. RECOMMENDATION: To approve nineteen (19) mortgage satisfactions for the SHIP Loan Program in the combined amount of $163,500. Prepared By: Hilary Halford, Sr. Grant & Housing Coordinator, Community & Human Services Division ATTACHMENT(S) 1. SAP $95,902.28 (PDF) 2. SOM's (PDF) 3. [Linked] Mortgages (PDF) 16.D.6 Packet Pg. 1095 09/11/2018 COLLIER COUNTY Board of County Commissioners Item Number: 16.D.6 Doc ID: 6452 Item Summary: Recommendation to approve nineteen (19) mortgage satisfactions for the State Housing Initiatives Partnership (SHIP) Loan Program in the combined amount of $163,500. Meeting Date: 09/11/2018 Prepared by: Title: – Community & Human Services Name: Hilary Halford 08/21/2018 9:12 AM Submitted by: Title: Division Director - Cmnty & Human Svc – Public Services Department Name: Kimberley Grant 08/21/2018 9:12 AM Approved By: Review: Community & Human Services Cormac Giblin Additional Reviewer Completed 08/21/2018 2:18 PM Community & Human Services Leslie Davis Additional Reviewer Completed 08/21/2018 3:58 PM Public Services Department Joshua Hammond Additional Reviewer Completed 08/22/2018 4:23 PM Public Services Department Kimberley Grant Additional Reviewer Completed 08/22/2018 5:06 PM Public Services Department Todd Henry Level 1 Division Reviewer Completed 08/24/2018 8:37 AM County Attorney's Office Jennifer Belpedio Level 2 Attorney of Record Review Completed 08/24/2018 2:56 PM Public Services Department Steve Carnell Level 2 Division Administrator Review Completed 08/25/2018 3:16 PM County Attorney's Office Jeffrey A. Klatzkow Level 3 County Attorney's Office Review Completed 08/27/2018 9:32 AM Office of Management and Budget Valerie Fleming Level 3 OMB Gatekeeper Review Completed 08/27/2018 9:42 AM Grants Therese Stanley Additional Reviewer Completed 08/27/2018 9:49 AM Budget and Management Office Ed Finn Additional Reviewer Completed 08/28/2018 4:00 PM County Manager's Office Nick Casalanguida Level 4 County Manager Review Completed 09/02/2018 3:15 PM Board of County Commissioners MaryJo Brock Meeting Pending 09/11/2018 9:00 AM 16.D.6 Packet Pg. 1096 Fund WBS Element Cost Element Cost element name Document Number Name Posting Date Val/COArea Crcy 791 33525.1 369600 GRANT PROGRAM INCOME 102118027 SHIP PAYOFF #11-042 DIAZ, DIGNORAH LEDO 11/14/17 ($20,000.00) 791 33525.1 369600 GRANT PROGRAM INCOME 102118027 SHIP PAYOFF #03-320 DELOUIS, MARIE & AUGUSTE, LUC 11/14/17 ($7,500.00) 791 33525.1 369600 GRANT PROGRAM INCOME 102142008 SHIP PAYOFF HILAIRE W & R #03-097-IF 01/17/18 ($5,000.00) 791 33525.1 369600 GRANT PROGRAM INCOME 102142008 SHIP PAYOFF WALDIMYR, P & LUC, J #09-190 01/17/18 ($3,000.00) 791 33525.1 369600 GRANT PROGRAM INCOME 102185737 SHIP PAYOFF ROBINSON, KATHY #99-001 04/30/18 ($2,500.00) 791 33525.1 369600 GRANT PROGRAM INCOME 102197095 SHIP PAYOFF ESMERALDA RODRIGUEZ GARZA #09-253 05/24/18 ($3,000.00) 791 33525.1 369600 GRANT PROGRAM INCOME 102197095 SHIP PAYOFF YENEY SUAREZ #09-257 05/24/18 ($3,000.00) 791 33525.1 369600 GRANT PROGRAM INCOME 102206777 SHIP PAYOFF DAVIS, SCOTT & ROXANA #11-073 06/18/18 ($20,000.00) 791 33525.1 369600 GRANT PROGRAM INCOME 102206777 SHIP PAYOFF FLORES, J & CORREA, R #02-247 06/18/18 ($7,457.36) 791 33525.1 369600 GRANT PROGRAM INCOME 102206777 SHIP PAYOFF ARENA, PHILLIP #07-007R 06/18/18 ($4,944.92) 791 33525.1 369600 GRANT PROGRAM INCOME 102206777 SHIP PAYOFF JEAN, F & ALEXANDRE, V #09-373 06/18/18 ($3,000.00) 791 33525.1 369600 GRANT PROGRAM INCOME 102206777 SHIP PAYOFF CASTRO, E & MARTINEZ, P #09-121 06/18/18 ($3,000.00) 791 33525.1 369600 GRANT PROGRAM INCOME 102206777 SHIP PAYOFF JAZMINA BLANCO #09-088 06/18/18 ($3,000.00) 791 33525.1 369600 GRANT PROGRAM INCOME 102208845 SHIP ROJAS, DUVER & CANON, MONICA, FILE#03-161 & 0 06/26/18 ($2,500.00) 369600 ($87,902.28) Fund WBS Element Cost Element Cost element name Document Number Name Posting Date Val/COArea Crcy 791 33569.1 369600 GRANT PROGRAM INCOME 102221237 SHIP PAYOFF SIERRA, MARIA & LAZARO #09-082 07/25/18 ($3,000.00) 791 33569.1 369600 GRANT PROGRAM INCOME 102222900 SHIP PAYOFF AGUILAR, INGRID #02-128 07/27/18 ($5,000.00) 369600 ($8,000.00) 16.D.6.a Packet Pg. 1097 Attachment: SAP $95,902.28 (6452 : Satisfaction of Mortgages) 16.D.6.b Packet Pg. 1098 Attachment: SOM's (6452 : Satisfaction of Mortgages) 16.D.6.b Packet Pg. 1099 Attachment: SOM's (6452 : Satisfaction of Mortgages) 16.D.6.b Packet Pg. 1100 Attachment: SOM's (6452 : Satisfaction of Mortgages) 16.D.6.b Packet Pg. 1101 Attachment: SOM's (6452 : Satisfaction of Mortgages) 16.D.6.b Packet Pg. 1102 Attachment: SOM's (6452 : Satisfaction of Mortgages) 16.D.6.b Packet Pg. 1103 Attachment: SOM's (6452 : Satisfaction of Mortgages) 16.D.6.b Packet Pg. 1104 Attachment: SOM's (6452 : Satisfaction of Mortgages) 16.D.6.b Packet Pg. 1105 Attachment: SOM's (6452 : Satisfaction of Mortgages) 16.D.6.b Packet Pg. 1106 Attachment: SOM's (6452 : Satisfaction of Mortgages) 16.D.6.b Packet Pg. 1107 Attachment: SOM's (6452 : Satisfaction of Mortgages) 16.D.6.b Packet Pg. 1108 Attachment: SOM's (6452 : Satisfaction of Mortgages) 16.D.6.b Packet Pg. 1109 Attachment: SOM's (6452 : Satisfaction of Mortgages) 16.D.6.b Packet Pg. 1110 Attachment: SOM's (6452 : Satisfaction of Mortgages) 16.D.6.b Packet Pg. 1111 Attachment: SOM's (6452 : Satisfaction of Mortgages) 16.D.6.b Packet Pg. 1112 Attachment: SOM's (6452 : Satisfaction of Mortgages) 16.D.6.b Packet Pg. 1113 Attachment: SOM's (6452 : Satisfaction of Mortgages) 16.D.6.b Packet Pg. 1114 Attachment: SOM's (6452 : Satisfaction of Mortgages) 16.D.6.b Packet Pg. 1115 Attachment: SOM's (6452 : Satisfaction of Mortgages) 16.D.6.b Packet Pg. 1116 Attachment: SOM's (6452 : Satisfaction of Mortgages) qui-ooi 20 mortgage fano O Jgj�4'tq,bj SECOND NORTOAOE o Pry Ol Fil�Ne(e( bz+ntVgyp y NAC � ACSfft OND 1) RTOAOE CSucurilY Inatn m e")13 given on August�.�,. 1098, The Second ModOaUW is: u , x „nrN Kathy Robinson it ip (•Bofrowefj. This Seourily Instrument Is given to C 111 r C unto _('LemJeft. which IS 019811120dantl existing under 1110 laws of the Unlled Blaine Of Am aid whose eddroBBW 2800 N th Horeeahoe nrl� "Aler the sum Of Vi h arBloxida Rao o sit erdaoad thea samedalo as lits Becu ty nstmmanl(Se DollaR9age'L whlc provg s�oa"? V t s evitle ry ' monthly psymo lls, With the full debt. If rat Paid eadlo(, duo and payable on 1• of_? o�tvr rafin•nce f the debt evidenced or I*.. IF bog, l OX 4 tion . This B)OUIRY he NW0, W ih �le est, ao a mnawa s, axl0raions and modifications (btrument )the paYel"I of .11 othera) the rsaumsmwilh nior al alivene ss etl by, h 7 to otaG the 6,Oudty, al the Security Imtramunh and (0) the Pmdmmence of Boaovor's covenants and order poegmP W Borrower does hereby second mortgage, grant and u agreements undo, This Security Instrument and the Nolo. For Co pmp000, Y i ) W,vsyto Londe,the fMiowinadmollbedgopadylocated In Collier Courtly, Florida. As more particularly doscdbed as unit dUe, b1UT, lurl4laks poll quietly and which has the address of: t` w 200 Portio Geke Court 0306 ('Propedy AddraB'I: y.• m 0 Na las 8loride 34105 O TOGETHER WITN Mi Ins lmprovemonla rww or henealler mraclad nn thry pfoperty.aM all anand all dees a,watr. �_l app udenarta1 res�,�yrawlini9 and Gdilbns shall alaohb0 covered by ihelSauna lnstrarwn1. All of the lomolngrIs retread In In of'A . IM prnpaFly.re Ihls Becurdy Instrument as Ifre'Propady'. BORROWER COVENANTS IMt Bgrowor is lewluily selxed of the esmlo heeby conveyed and hos the fight to aura ago• grant end convoy the Property and That the Property Is unataumbereU, axcapl far encumbrances of record. Borrower warrants and Will defend gen EICURfTY INSTRUMENT wmbilnels ulnllarm aenenls.N nallanMtuseaeod,vertardommouminemawvo s of lewd, With limited i' THISdy' Y G? variation by)utledkllan to consilluleaunl(ormeHfBl'B }o�rolowa: UNIFORM ('OVENANTS. Bereave, and ehpl iJam rower shag rolnpgy pay whop duo the 1. Payment of Pdnd{w and lner•at• a)Dm , end Lai, lila �� P ,+ N pdndpal of end Interest On the debt Ovdorcod Y Beaver ,sola or sat n lea prior to the accrual of any penalties or o 2. Taxsa. The ModgeDor will Ili lax aeaaem�nisY m Interest thereon. / riA`iha Bart apeo v ly bKO due (AM t) all taxes and oovernmenlM ......,,... m,ou „ov or rau,d to pa i_ _lo{P,_.,_ ,, ,,., earn m,ced to the P1111e(ty,(2) ail , utility and other margo.. ex,le va, •. and Improve= of the Property aM (3 all es men 001 Tooif B ((IIe ( Ip c o gas Quare ponied or Yaar,, iha Modgagm aha l b i e pi Ile (9 an f required to be paid during Ins form of I y Modoague ovldmnce of such payment. 3. Apoicalson of Payments. U 1@o pplicabie law PrOwId$e of Ise all Y! Brat, to Intent due: and, le principal due; e 'a to any late charged Or p8t�q 4, OMrt &; Uses, Borrower she •a Ie%a9, 066Ohold pay eh I 0 , willch may attain prlo(fp Over this Sacurily Ina - nil, luaeehokl payments �,4rO)1Mol� fumlah to Larder all nolle&, of mounts to be Pa a T)T s ra0reph,.4 n1Y If Bonawar shall prenplly discharge any lion bic YPn IWr , wating to the payment of Iho obllgallou scoured by the I M d Titan rbtLv3rob o to Lem defends 0001", eniorcammu of the lion In, legal proceeding$w GmMt56'. see opinlot Ilea: or (C) 6ecee6 from the holder of the Ileo ani yeament mal,et to a Ilam Which may 6110 n or so�Odfltl Lender dalamtm a pact any pad of the P(OPOdy UW, Be ,MK o noise Identifying the line. SWOWfe shall satisfy the lion a lake ono Or m day, d the glAmil of mike. 5. Him" w Psoparty ln,ur—' Il shall keep aha Improvements new, Pmp mY Insured against fess by fire, hazards Included within the Imm'intended covefagf feeding, for which Leader rogulfoe Ineumrce. Thle Insurance shall inalnlefled In the a or sub] requires. xbly Withheld.eIf Ba uWar elft io maintain coveProviding the Insurance hago desill be oeribed aen boveBel, Lender In ce with paroglcapir 7, At OM65 that Proles Lendoys Aphis In the Property to aaccad�eaelnst such risks and Of sluch amounts have P(WOWa. Whether Or f orale, Or ON Is begun that than ,hall be accapinblo to Lender and xl6Wals. II Loader Makes, BOf 0o of Ilea. Hoose( shall Dive Prompt once, use, OCeepalluY, ev-1 awlugy W paid in inslallmams ,', ,,• �'�', f:� Did may such Installments as any the Imagoleg, IQ. -14b received by Lender shall be aPPlied: ; , " acillons millumaWe to the Mferf a ' P' it env. Follower shall promptly •, the peaces that Ledo-' --1 whleh stall rat be 'placement cost of the Promwa, ludo a standard mortgage cteuao. Lender p,ampgy give 10 Lender all eeeipts of paid l the hanance center and Lender. Lender Fall be applied to restoration w repair of the Inity Is not loosened. If the eslOPOOM or t fe"Oods shall be appawd to the sums mover. 11 Borrower abandons the Propmdy, �slehiy ,�rty or 10 pay umeecurd by this Ileo is malted. Unless Lender and harrower t,ipene the due data M the nammY Meem I the Property is acquired by Lender, :openly p,1,, la the acquisition shag pose to o the acgVisillon. ,see Loan APPIIOMIon, Leseshutds. a Within sixty days alter the execution of this tsldenco lar at least we year after the dale c mommy withheld. or unless extenuating lamaga u, impair the Properly, allow the 1 any forfeiture action or p,aceeding, whothe If the Property or mhow lse materially Impair 2nd meaga$C forme the lion emitted by this Security Inslrur In patagreph IB, by reusing the action precludes fefeilu(e of the Samwmra I laabummt Or Lande a SMAROy manes materially false or Immolate Inbneull mmaoj,n with the loan evidenced by Property as a principal ""doerwe. II It basin. If Borrower erquaps fee Iltie to morgar inwdgng. 7, p(oladian at Lmdala ) fills Smartly Instrument. or them Is a I Insurance Pt and re181n If option of LOI oppoves b) insurance in agreement I P. amount d au H, ameitiatlon and e%p pan Len a re lent or W INaI OR: 2452 PG: 2209 curd such a default and r.Insists, as pxowded In Lenders goad faith delermmalbn, m of the lion created by this Seemly urhg the ban appllcmmn process, gave ander will any material Informalbn) in Mona wncermng Borrowers occupancy of the it shalt comply wtih all the provision of the at merge unless Lander agrees to the Im the covenants and agreements contained In lots rights in the Property (such ea a regulations), then Leader may do and payfor opsdy. Lender's actions may include payhq in Won I paying reasonable attorneys' foes and paragraph 7, Lander does not buys to do so. I of Ssnowor secured by this Security mts.hall bear interest from the dela of bet to Bon"Or requesting payment. ....,u kine the loan secured by this aOcmily ,,,rage [eased a coasod to be in effect. Lender will oceep , use Ml fur he purled that LLoss m-ONOander recallments s)P widedInto rbe by an Inst ret the m,wor shall Pay till Pmmmms required to maintain mortgage um le mortgage Insurance girds in accordance with any written 9a prides upon and Inspections of the PropudY. Larder Snell give --..'I. - .o tar 0. imaoallen. 2 sky, in which the secured by this m secured by this RI amount of the to the lalling. Any the Properly odixalbn of Ins sums sutteesore in m000al. se of any light or remedy. a and agreements Of this he "who co�atgrns this go, grant and convey that d to pay in, sums scoured 6y, heasaf or make any ,,sent. maaimure We changes. nnectiun with the loan muco the charge to the 'hmapd to Sol ower sof payment to Boffmor. If Mga antler the NOW. arine II w by mailing g by vin fully affective paragraph 17. **" OR; 2452 FIG: 2210 *** 2p1 Mortgage tone O . ' 19, SW of Nota; Change of Leon Servleu, The Note or a partial Interest in the Note (together with this Security Insimmenq may be sod one amore times wlihoot prior miles to Solloway. A solo may result In a change In the entity (known as the 'Leon Sondeer) that muscle Monthly payments due under the Note and this Security Instrument. There also may be one or more charpas of the Leon Servicer minimal] la a 881B of the Note, If there Is a change of the two Sorvlur, Bwrowor will be given written notice of to change In eccaldanoo with parogroph 14 and applicable law. The means will stale the name and address of the new Loan Sarvicer and the address to which payments should be made. Tho nallco will also Malmo anyy other Information required by applicablo law. 20, Nssardous Substances, Borrower shall mol cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances on win ReProperly. Borrower shall mel do, mor allow anyone also to do, anything effecting the Property Ihot Is in violation of any Enviammenlol Law. The preceding two senlances shall rot apply to the Presence, use, w storage on the Property of email quaniites of Hazardous Substances that are 06mrslly focogNxed to be appropriate to momlal residential uses aid 10 aelntsnaace of the Property. Senawershall lxomplly give Lender wdaon notice for any Investigation, claim, demand, lawsuit of other action by any govemmemen of regulatory agency W private party Invedwrg the Property and any Hazardous Substance or Environmental law d whlcb Bwmwer has actual krowlodge. II eprraver learns, w Is nolignd py any gavernmonlai or regddory aUlheri(y. that any removal or other remealation of any HB2ardWs Substance affading the property is necessary, Reamer shall plomplly lake all mM,sary remedial actions in accordance with Environmental Law. As used in this mmumph 20,'Hazafdous Substance$' are Biose substances defined as toxic or hazardous imbalances by Environmental Lew and the following subsiarenl gasoline, kerosene, other flammable or toxic pauolsum products, toxic pollcidee and hemloeey, volatile solvents, matedds MyroWning asbestos cur formaldehyde, and mdloaclivg malvdals. As used in this paragraph 20,'Emirunnymod Law Mae" federal laws and laws of [let jurisdiction where the Prosily is located that mime to health, safety or environmental protection. 21. Aculs ndlon; Retnodln. Lender shag give notice to Bausman prior to acceleration following Bormayer s breach of any resonant of agreement in Ihis Security Instrument (but not prior to acceleration urdsr paragraph 17 unless applicable low provides olla niql39). The nolice shall specify (a) the default; (b) tire action required to cure the default; (c) a data, net lase than 30 days Intim the dale the notice 16 given to Warren. by which the default must by cured; and (d) that failure to cum the dofauil an W before It date specified In the notice may result in accelan sten of the sums secured by this Security Instrument. fwoplosufo by jualclal proceeding and sale of Ise Property. The notice shall further Inform Beauvoir it of the right to relations ager elx:eloretlon and the fight to "soil in the foraclosum proceeding the tam existence of a default or any dhor defense of Swrowar to accelaeallon and lomcbswo. If (he default is rot cured on of before the date specilled in Ins I miD, Lender, at Ib option, may require immediate payment In full of all sums socured by this Security Instrument wahom further demand and may torsions this Secmily Instrument by judicial precoodine. Leader shell be entitled t"lint all oxpemaa Incurred In pursuing the remedies provided in (his paragraph 21, Including, but net limited to. masonablo poomay6 fess and cab of the Into evidence. 22, ReNue, Upon payrtent of all Bums secured by this Security Instrument, Lander shall release this Secudly Insimmeni, willysul charge, to Borrower. Burrower enrol pay any mcordatlon Mose. 22, ANoruys' Fen. As used in this Secur do I n�anddhe Nota, `ottorneya' fees' shall Include any, attorneys' fan awarded by an aPP611810 =4 jjjppp 24, RWen to this Security Inslyu I @til led by Borrower and recorded together with this Sao only meta merit, Iho covenants 4gi Inonb d oa�h sucFrt��g t� I be lncor ated Into and ahall amend and supp'emem the over ams and a(and AW f his Security Instrument ass IOe I oris) were a pan of this Sma nity Inetrluaoni. (Check Appllcable Box) ..._,_� ❑ Adjustable Rale Rider �jj (8i I provement Idem Condominium Rider ❑ Qrsammod paymonr Ridar 1 �F I ❑ $sand Home Rider ❑ BBleon Away 1 Rd P Planned Unit Development RiderQgKK(6)(splcifyq SIGNIN of LOW, liifbywerrm ouds racdaUO' I terms and toys I, �glGVad In this Security Instrument and In ero 1 Slgnstuan t ssnl i� Sorrows+ Ra Eby bxmon Sigmtun: Co. Renewer Address: 200 Turtle Lake court a 106 Nsoloa, Florida 34106 STATE OF,_FI a COUNTY OF I hereby cemy that an this day, before me, an officer duly authorized in the state aforesaid and In the Monty ofwnoWlotakeackn ledgaments,PmsoomlyapPeared Kamy Robnson to me Nrwwn to be the parson(s)descdbod In and who executed the fwa0d Inetmmanl and acknow ed before me that )Hey a m they) oxeculed the some t the purpose therein axpessodf (��)� ` roQuuat ori u u Cd MA Z SKr cup) eek . fl WITNESS rely hand and omdal seal In I III S stay thi day of My Conmdsellon Expires: --- No U6 lure (Sed) ... _.....,. _._ 3 - -- 3180293 M 3286 M DD lk 011.1111 2505,01 11tAfile will wit 111011,101 COP! 05101/1001 1t 11d118 ell 1, $loci,tCLlq 0A1Tr 1 iffei 1.15 Piet 0P gbCONO NORT(iAOb THIS SECOND MORTRADE ('Socudly Inslmmwel Is given on ApdVf).2003, The Second Menages Is: Buyer Roles & Monica M. Canon, Husband and Wile which Is organized aha existing undo 5'BortoweY). This security lnalmment ie given to Collier Carrot ('LmnaaY6 the laws of ihs Unllod Slelar of America, and whose address is 3060 North B^:uaAo• uriw sole• 975 N •• Ylozi Bmeworowes lender the sum et'M T"^o••odeMe� tlu¢ �•oe�ro •rtgOt=.fm tl.• (U.S. i 9 500.011_5. This debt is $-does by Borrowete Nole tlelad 1110 soma dale os ml. 9ocudly lnslromonlni019oa�md oN�°n ed tq �hoh provide. for mommy payments, wllh the lull deTlh'Is g�pslry NaltUmanl sauprass to Lentler; (a) the repaym loss t haa••t• d •x•motian'�a and modllicetlone; (bj lh0 puymenl olAeli oiVpona Ie endlegroemenlsduntlaralnis Sea�diY gra^ Inelmmonl and the Nobe. °once P -e---_..__... pmpetylocalode, eel�County, Flodde. pond{ ondwhlchheslheaddre$sof: ppmorepanlculadydowelelae Lote,elak e, Nebll•t Vlllepe, Canter COV rico• L • r1orid• 34113 mr t l. appurtenances, rents, Ali replacements TOGETHER WITH all ma lmprovomenlo now or brasher omoted on 1119 property, and all easements, rights, Inslmmani. All of the foregoing is re�erred to in this SaudlY instrument TOm as lag., grant and royallle6, mineral, ell end gas lights and profits, wafer lights and stock and all Water now le managed this a part of the props s Ins end addition$ shall also be covered by Iho &acunty seized BORROWER COVENANTS tha'B mower 6erad Ilaxcepllorotmumblamed M Iword.y8oed rowend hrwartenisnend will generally convoy the Property and mal the Property the title to the Property against all claims and demands, subject to any arlBumbramI of record, THIS SECURITY INSTRUMENT t eni unllonn covenants for natlonat use and non unllonncovenanls With limited vedalmn by Iuda llodon to Conslllute a unllorm aecutlly lnalremonender driffcovenant ranteal and agree gr a Bortower Shall promptly paywhen due the principal Of and UNIFORM COVENANTS. 801r0i and Lender entand Late Ch res follows: I. Payment of principal and Interest; Prop•Ymanl •lid tal•Charge'wmor rales prior to mo accrual al any penmtios or interest hundred on the debt evalarwed by the Noto, 9, Texas. The Mongagor will Pay alt loxos, as $ aQ;��.obY r r thereon. I� a samoroapatNa Quo, (AI01 all taxes end govemmonlm other gf any The Mongayor shall pry or casae to be p d I name Usecu y, upkeep and Irnprovam°m of the Propony, and kind whatsoever whlc m y,diarydrusbelewful d3s a ed or levied ageinsl erwl dpsFlpo thupkeep and lmpm11u1111M „9890 e„e's s, netalim plapPda0J r e padad of y Including'wMco cheryae , incurtad or lm(soas for be i , ,KrrlaB°^Umainlimenis a cro roe sled 0119 paid during the loan N the Modgeg°, and (3)all eawssram". Bremer govemmontei eh e6 al awluly'belini' 00 as pflymnnl. obllgmed under the Mangogr to pay or onus to paid oNya ha o am rocalvod by Lender shall be appitad; Incl, 10 shall, PromPg99 slier the DaYmam of hU oVn I « abl aw 01 e a 31 1lppliaflon of Payma ` which may � �a pggj 'age In a 9 $hiorm°tldbutable to the Pmp°M1Y Inlareal dug; wdCho ,top dmlPal due; end leer, oan tat o e dmeuorgro V. Il en.� lower Shall PromPlly himish to Lender ail �a _ .4.. ... —�!ta�, A Idol rumanhe�e sehof oid peyms• � _ _-- .�A.arl 3111. Wel mea In wdllna to The lien; or lcl secv,aa-- adard9tandmisSul MY Pan ... a edke Identifying Ino lien. 8. HWra crrraP.nx ....•. _..__.. s..,......___._ .The msuuum,� �age1ne11oaBby lire, hazards included within the lerm'oxtentla cover regolasIosUramo• This Insureme .hallndmuire elnlelaaebjectIOLeg nTlOes mIs, covBrege top alar Lendate d9ms in the Prop°Ity in accordonce, 0.9,mvltllnd the Insureme shall bechosonby Borrowor subjat to Lender's appmvasip, 10 protecthall Len t W nmeoa lime withheld, It Sunni ag misai3 to V• 1""e,,,, ,,,,.....-. .__.. nawnm,,. r - i- Inciuding1 bol ml halted lo, all•dak ineurame p o bybre,Iign %Inh and other caeumpaa cusfomadly Insured against(IncluMng Boller e>ploslob coverage endomemenl, including debris removal Coverage. Suoh t...fame m all limos to be in an amount not less then Ino lull rePlacemen cost al ins Premises, exclusive of I opng° end fouadalioca. All Insurance iciae and ren$wale droll ba ecceplabio to Lander and shell Include a elantlsm mortgage f Paid Le Plan and ave n"I Harrower shell give prompt notice to the Insureme carder and Lander. Lender may make proof d loss 1t not made the fight to field ra ce poloand renewals, it fiends, requires, eorrowarsh611plomplly givelo Lender all rwoipt of peld prondums and renawa n0110e$. In The event of 1066, repair perty promptly by Borrower. Is Oot LAI... LIMAd and agree in Lama Codling, Inw6t's MOocaeds shell be appli11 ed to restmtion or umdbythe 101 ManagedOcommal;It the restoration or repair Isaonormeaily feaelble end Lenayssaumyi6listlessened.ethe theloordasnot power within 30 days instrument wfaselbin halher ornLOW-00 aol then rise, Cobh any a Eo eopald to Banower�imao 11 Bs oweWr as^dogs lhelProperly, sums secured by the SaudryUSO mce sums sawed by lhte Smurity, lnslrUmenL whether Or ml then due. TheC°shall rroi anolWent whether r no, thenauo,witBarrier hoe offered 10$Ohio aclaim, than Lender moy cceoutthe Insurance I n due, The 0 Pay The proceeds to repeh or restore the Property a to r an his, it under paragraph Witt begin when thethe uffs ragged, te at the Unless ommy payment$ atewmd la In Paragraph t Or change the Bamllount Of the Pa) rnos le principalParty Prior 2,,land or1 gtB prgtdY is acquired by Lender. Barroweyof he s right 10 sums secured dbmem Phis81,dpicerument uidna�lly Prior acquisition' shat s Lender file 9111$ •noY pa�ll passto nLender , Bert mOld nca $ori Protwlionsat/h property; obey days After (no Omdi BUBrmwda Lo$^NKadisleiy Prior to lh0 acqu151pon. ..urea. and Use Ino Plopedy p°Bortowsr'e principalresidence at beadone year alter tthin .he daleof..-.- )', Uahicha bb6Yondhis Security d ar gave commilthe I material �-- ORi ,SEGO C�� LJJV pl the profusely e9 a pdnclpel ,andante. 11 Ibis Soadty Inshumenl is on a lessehold. Borlowor shell comply with all the provision o1 the lasso. niBorro ,felt toL.pdeYsdth In the propoBY(such es a praeeding 1" In • Y, projection o) Unthe p Rfphls In lits Property, an It Bo -1111 falls toot mer, Iha covenants sort a9MOMWAS contained in this it Borrower Pcquires lea 1I11a to the nce. 11y, he murity I and the tae lino elrell not Merge umoss Lender -Buses to the metierm d i ng. ousaly to 8...My Instrument, or there is alegal,butding that ar Y to moka -13848- OART project Lendeys lights In the propedY. Update protons MAY Ing paying ganthes secured by Make which benkruplcy,probBle, lot corns a legal or Iodelturearto anloroelaws or regulMllons), then Lends( may do end pay for waled byIsn Which protect the value of Ing Property appealing in thud, Propel Update attorneys' lees and entering an the y Lender hes PdImY over iho Spwdly Inst Undo, apps B Although Lamar may la%s Mallon oderhlspealing paragraph 71 Lenderaging a SKI love to do so. MY amounts disbueatl by Lendonlnderths of pBYmOnI, lose oomsa dhail bald Interest Irom the data of tllsbursamem al lee NOIe rete antl ane ba payable, with inesL upon natcB pahough Lyahrll become addlllonel debt of Borrower5ecured by dols Security ine,menl, UNeSa Bmrowar sod Lenimsemefoolnrm s .1PaLeent. nd,to Scene rrequeallnp payment' aelnsumme esacondllion of making iho oranaecured, t this Sautlry Insurance a. Morblepllnsurana, If Lender requlrcd mora A e Insurance proViasly In eflecl, m a 0031 substantially equivalent to the cast la Borrower of the mort9ege Insurance ,"Gene teyullader shell yInseorceases Ip a in eIluot Bortowof Shall pay the premiums requlrcd10 obtain coverage subslansur Insl,menl, Borrower shall Pay Iho promiuma reyuirod to malnlaln the madgego ineureme In ell-ct. 11, for any reason, the modga9a p by egU)valenl to the modpag ends at) M lose MSMVe previously In tile,,nga ei sufarl emodgn9e insofar apptovetl by Lamer. 11 substOAVOly equivalentmortgage methneeing pule Is yo eVellBblq Borrower shall pay l0 Lendor each monthasum equal lO anB•lwellh,d flthBhoboof nnetainhoeP ailnu Airco coverage (N eortowe, BONOthelnswpmecovaege lapsed yronae eta bablellODa megW real accept, use end retain those peym Inlleu of motlpege ,In, period Lash reserve poyme In amount end forina ported (LOSShat meanender ,pay mo provided o i nghair eppmved by Lender again becomes Oval able and is Obtained- rovide a toss LOSS inpecllona of the Profusely Lender shall give Borrower the Mnoeandto end�lnleccordeme it maintain mortgage onywdtl nag emnsuranc InalBanowartono Lender or apps able low. requirement 01 Borrower shall Pall the With p fpspwitpA Lender or lis agent may make ree..bigougeaupa heats at the Ums of or prior to an Inspection Specifying Feesonabls close for the Inpmlion. Ie Contlomnallon. Tho proceeds of any a ward or claim lot damages, direct aransequenilal, In connecllon with airy tondomnalron Immediately ills at othralongi loMnB of Ina Prop°ny'the proceeds Shall be%ppllod to the sums securedby this,market Value om wrop or not thendue. or olhhr laking of any ped yl lhk Property, or for conveyance in lieu of andemnellon, aro ceroby as61gnyd and poll be ped to rLender. n ent of even any total paid to Borrower. In the AVON o1 a partial taking of iho Broady, lis which Y I ler ohnmarel value ofay Property below the taking is oquel to or9romerthen the mount of the Bums secured by this SecuriH ippinl^iBnl imoudti by mount at Udg 1100 ktl Borrower by the following (go on oO the lolel amount OI IhB bums 6aCemd ImmOdelely nitre In laking, divided by (b) Ina lair melkai value Borrower end Lender a Ideal sy egroe in wriUnA, the sums secured by this Security InlNmam shall be reduced ed the amount Ol the prow Mul iplied pi the PropsV Immedlelely balance the toning lsiops thanthe amount of iho sums securedimmadeetyfsrin,king. rt Immowingly olore the iehlrlg. Any balance shall be paid to BMmwkr. In the event of n pedield Immediately a Props the lair market value of the PlopsdY r ePost or change unless Borrower and Lender olherwiso agree In welting or uMesn eppilaNe low olherrm6e providoe, the proceeds shall ha applied to the sum pcured by ofProceedsIonstAlmo l shall'Itextend Oi POB[Pane Ihp du° da a Of Ins monthly peL do, and ymenerelehretl a in Pa ago aling any theamountfProceeds to Ps. / Q0 Man of the time for paymom or mailicagon of at Fndsosranos y} r e4ttiY �e �Qy � ,Nr,$$or In lntem5101 Bar,wer pltea not epamte to it. ecrrowsr Not Rolsaoatl, 9a 'ill ne pe requlrod t°cammancepraeodi^9s ur amortization of Iha some secured by this Security In a N IBasore In Interest, d¢ release In liability Of the Odglnel6arrOwer arBwWvl s' 444 1 arm aSuc0 sws Pint^sL Any lo,hoe,na°by 4andsr In amens any succoasor In lnterssl o,,close lo ex) ntl I p for payment or otborelaOm Ivy Mord t hof the sums securodby thea Sscun Instrument by reason of any demand ,alis by o orr0°� y Th covenants and agreements of this security "OnAsn'Sh8uldor,,dy shall not Alston Bo ndVa°tlil til ale exert pC`IoLegnl d9b It the s o p� d re I. y eonvn°rerfro Convey th this Swurry inplNmpnl shell bintl end onsite lee M"B ore it) turned 61 t0 ,ago, grant end convey mat Bpnawa!-""Intel Provisions of paragraph 17. Borr-wets cov nanl a ag a nl �aJ�l e t he sums secured by itis Smupry Insiremem: InelNment but Under 9ocu Ic sl Nna(art at'pe ea IH obit at t Ye any accommodm'ons wan raga, to to terms Intho PropanV � y and (0).greee that Lender and any other 80 yg m poW9Yae consent sr which sell max'mum loan ch1t9OS. end that of this security lnalNmenl trine Note without eo Is Security lnal,menl3 b l in 0oananan wiin the loan exceed lee permitted is, Lan Charges. Il he loan Allo, nrgepcdleclod or to the codas to lee Permitted limlb and(b)any sums law le finally hearyretod so that the '"'great or of h Imam n°casse weer Lender may choaoto make this rotund by limits, then: (0) BAY auoh Ian amps Anil O to I I 6bamW eta .,ready cMteotad from OOrrowar watch It or by pe l ploWWWWWer. Iferetold educp9 pdrlsiPOl, the reducgonwllin reducing Iho pnnolpal awed motor ills Nole or Making a+ttroc n ar_ R ofo. treated ee a penl9l p,paymentwithoul ony prepay, 'dv pdtress or any Other oddrs" 14, Notice/. Any notice ly Barrow, provided for in INA Seathy Ins, I, be d olden bypNNodng it86MA ed in is amwale. class mall unless applicable yew required use of Inaehor m0lhotl. The nmke shall6a ereetod to the property Bortowar. tl nless as by bye la to Laad. Any t anot to mmlar . Th n given la Bortowed M Lender when 91VOO es F I be in this paragraph. 14. C,I,,byp ltcg Sayerar. An Th is Security lnstNmom seg he governed by lades, law and Ills law ollasl the PrapkM1y le located, I In the event that any Provision or clause of %his S9CUdH Instrument or the Nola conniNa with appOc.ao ewsion. cantiol snail ntven effect without the go l it 01 other pmNelons of this PS my Instrument or the Note which o � o Nraan blo.ld of his SecuriH Inei,manLtlnO provision, To Ibis end the pr0vtpioae of this Security 1^sWmant antl Iho Nola aro declared to by severable. Interest in li IS said or 1t). BArroMrrs Copy eonowar shall be given aecalortned nosy 1T. Tnndlr of Ins property era BSMtloleNnledst in Bormmr. It sly Or any pen of Iha Prone or-try Uen9leYdeI (or It a beesUcith l ll rop IM Borrower Ic acid at hane¢npd and BmiOWar Is rtol a neluel po,on) w IhOW Leadeta pilar wOptio consent. Lenat MAY. at Ilei lane To'uire immediate payment In lull ofall sums eocured by the Smudry InWmenl. Howavegthe option Shan not be exerolsodby Lender it exorcise i6 prohibited by leder, law as of the tlel0 01 ibis Smarts InslN vide I 11 Lender sxerolpby LOod option, Lender easel Alva Borrower notice of accolon' In' acres The none ed b pIbis rovide a Security Comod A[muter. mt ass than Sit days pay the edaothe ma priortoto the e�balidoat a ort ale partuhm ed, Lenderr May Iich nv ke any melodies permitted by this SBca g? InstNmm willhout fu6he IIs to notice or demand on Borrower, nodes eppllcomn law may apaogy for 18, Iba m"e, Right to Rd mUd' . if to moats of e)te days (or d c INS Prm0d 06OPI w.r shall he,. the4 or (b) entry of a judgment this Beautlty Instrument dleoonunad at any limo Pilar to In ydint r : (e) , days (or such cher pa an Secnpep reinstatement) afore IBIS of the Propody Pureuenl to any W enlarging this Security lnalNmenl. TheacJordan ere the Bortowar,(e)pays Lender all Sumawhich then would under inti Security end 0onowars obligation to pay In sums InlNmentendlcuNyleaan0 ecThose0anhadoceulted;{bl coma end deleua at any other covenants or agreemeAw action as Laftrist nts; (c) pone Incurred In onlomIng Ibis Wooly haWmonb Ie Swug, buts IUlnnt, Le oerelathentlby Borrowee OhOmays4 this Security Inter at and he Obligations may ma,oneaabpy require to agents ity InelNment usehall cootinu-auomhengemend,folneldance in the PropertyIt in secured hereby shall rymen fully gaoad"es it hh acceleration had acund el,areain late (together with this SeciHllnSIAMIS )may acceleration 19 under of Note; 57. 1t), mss o1 Note; Cheops at Loan S,narro The Noeorafee duo under the Nole and tole SocudH InsiNmenL There also moY by oak or mora changes N the Lan 9eMcer n sold ono or more times without prior mace to d this er. A sale mny ent'Th a thetas in Iha shitty, (known as the 'Leon Sampler) e Callan monthHPayments Ilcabla tow, pmegred to 8antl applicable'theN)ew, Tn not as velli amts the nems and address of the now loan Servicer and the address to which payments un,letod to a pale of lap Note' 11 there s a thongs of the Lean Serveep Bonoworwill be given wrlle° notice al thOchange in Accordance wv 14 ehoula a maB, Tha notice will also contain ony other intonation required Got by SPP that is in violation 01 any po, Nwrdaa GA willy 1500 Borrower shell not cause or Psrmil lhB pre do anything dl9POSe. storage, ork1Bsme'I quantitiesNlease at any d sus ...__....,Irl nw. The Orasding0110vo lamp. 'bull net ppplyy t hen �o "��BSldenlle usea or sandto Maintenance olio Prepody. Bubetancee on or In the ProPed • Bottower shell ml do, Bar allow anyone alta to do, anything elon the ating las Props *alai OR; 3286 PG; 2339 "** Borrower shell promptly give LaMar wdaen notice for any Invasugallon, claim, 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 whits Borrower has actual knowledge, IfBurrower Issues, or Is nolilied by any governmental or regulatory authority, that any removal or other romedialior of any Hazardous Substance allecting the Property Is necessary, Barrowar shall promptly take all necessary natural actions in accordance with Environmental Law. An dead in this paragraph 20, 'Hazardous Subaluncoe' are those substances donned as toxic or hazardous Substances byy EnvIrman mal Lew and the following substances; gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides aid he U, idea, volatile solvents, materials comalnlno asbestos Or formaldehyde, and to Borrower, by which Me dell In acceleration of the auma as further inform Borrower of the provided In noun. Riders to Adjustable Rate Rider Graduated Payment Rider Baboon Rider Othor(e)(specify means federal laws and laws Of the ludas ictlan wham the Property is lust be ouraa; and to) Set mlure to cum I by this Security Instrument, foralosure to reinstate after acceleration and the rip rower to acceleration and foreclosure. 11 nmediata payment In full of all auras sec ry judicial proceeding. Lenderahsllboe Rate Improvement Rider 1.4 Family Hitler Weekly Payment Rider SIONINO BELOW, Borrower accepts and agrees to the by Borrower and recorded with It. Signed, seated and 40Ivgfed/(h the STATE OF FLO DA r COUNTY OP I hereby cattily that on this day, before me, an apecllled In the notice, Lender shall release this Security InSIMMnl, without and the Note.'aaomeye' fees' shall include any attorneys' leas Sweated by by Borrower anal recorded together with this Security o and shall emend and supplement the covenants and ❑ Condominium Alder El Second Home Rider U Planned Unit Development Rider any dome) executed Addrossn SiSi'x! u24441l�*srlcus Incus and In the county aforesaid to take eekrrowlodgsments, potentially appeared Dail Rules a Manta M. Canon to me known to be the person(e) described In and who executed the foregoing Instrument and acknowledged before me that (He/she/they) Steel the same for the purpose (heads exp essed. WITNESS my hand and all seal In the County getegforesaid the _.�i,Z, daay 014W, 20,4 My Commission Expires: cry Pubile'a Stipends (Seal) tOnNue s VARNER -- Notarya Printed Name File#; 03-101 4279863 OR; 4441 PG; 1090 ' RECORDED to OFFICIAL RECORDS Of COLLAR COUNTS, It �Y $ 04106/2009 at OMAN DNIGRT I. BROCI, C41RI &m SOLD 3000,00 ¢ h' OBLI 3000,00 w 35 LL RIC 111 35,50 N ELL DOC -35 1050 T'E E Iatn1IIPRISS/ FID II U m MV SECOND MORTGAOEICARSIIAL WATSON a 1901 N CTPRISS CRINI RD 39D PL F' 3 FT LAUDIIDALI FL 33309 V 3 THIS SECOND MORTGAGE ("Sewdly Instaffa l'9 is given on , 2008. The Second Mortgagor Is: TJazurina Blanco, a single person ("Bafower'). This Soddy Instrument is given to Collies County, ("Lender'), which is organized and axlsting under ilia Itlwa of the United Statex ofAmedw, and whose address is 3301 a Tamiami Trail Naplee Florida 34112 . 41 Borcowerowos Landerthesumof ThreeTh uesead anRom OOL00 Dpl , ($3,000.00). This debt is evidenced by ¢ }? Borrowers Note dated the Blame dale as this Security Instrument ("Sedum Mortgage' 1, which Provides for menihly payments, with the full debt, If not paid almost, due and payable on 1 f p t tv, fin C or 10.0 of homestead exemption . C<I This Security Ins(rumenl secures Ie Lentler: (a) the repayment of the debt evidenced by the Note, with Interest, antl all renewals, extensions O.q and modifications; (b) the payment of all other sums, with Interest advanced under paragraph 7 to protect the security of the Security L Instrument; and (0) thepemOrmenw of Borrowers covenants and agreements under this Security Instrument and the Nate. Forthepurpose, Borrower does hereby sewn mortgage, grant and convey to Londerthe following described property located In Collier County, Florida. As more parllculady described as Golden Oats EaL Unit 62, E75FT OF W 18OFT OF TR 88, Dollar County, Florida and which has the address of ("Property Address''): 3520 45- Ave Ne, Naples, PL 34120 TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, fight$. appurtenances, rents, royalties, mineral, all and gas fights and profits, water lights and Block and all fixtures now or hereafter a pod of the property. AO replacomenis and additions shell also be covered by the Security Instrument. All ofthe foregoing Is refected to in this Security materia las the"Properly". BORROWER COVENANTS that Borrower Is Iewfallolzedof theeglale hereby convoyed and has the right to mortgage, grant ood convoy the Properly end that the Propany Ia omen ba x�p4�ppi[fOf Sn7dr,Tbrs sels discard. Barrowerwarmnls and will defend generally the title to tM19 Propany a0alnef ell claims and demand r bJ�ct3�anyartn record. THIS SECURITY INSTRUMENT combine warrants tar natio a non•uniforrn covenants with limited variation by �'Judsdidion to wnslitutea uniform eecudty lnsfmrc�n dip real property. d UNIFORM COVENANTS. Borrower a99B Leqq gccowoegqt end agree as loth g 0_ t. Payment of Principal and lntere l;P payA7l$ and'Gle'Crag s. Borrd era all promptly pay when due the principal elan VO. ,ohdonts on Iho debt evidenced by the Nole. 2, Taxes. Tha Mortgagorwfli pays rex s s (,rpp w l6 eep or to lheawmol of any penalties or inPorosl themon. Tha MengagOr 6hall pay or cause t be p id, s (lid a $fres be in du (A 1) all taxes and govemmental charges of any kind Orvi o e Property, (2) aft utlllty end other charges, Induciff vee, a n upkeep and Improvement of the Property, ane (3)811 assessments or other govemmental chs 1 at may lawfully be paid id9 tall en By aperiod of years, the Mortgagor shall be obligated under the Mortgage to pay orceusol p tl only such Installment6`I to t ) robe paid during the term afthe Mortgage, antl shall, promptly agar the payment of any of the to � I forward to Mortgagee e f It payment. 3, Appleaaen of Payments. Unless ap n 1 den provides olltervAr al y nis received by Lander shall be applied; first, to Interest duo; and, to principal due; an lost, to any lel tied e under thp,No�. 4. Charges; Liens. Borrower shall pay all a, aQj? rp@n q nfea�n a end Impositions attributable to the Property which may alieln priority over this Santlly Instrument, and leaseh0ldpagm laser rod re sJ(any. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this paragraph, and all receipts ov lancing the payments. Borrower shall promptly discharge any lion which has priority over this Society Instrument unless Borrower. (a) agrees in writing to the payment of the obrigeflon secured by the lion in a manner acceptable to Lender, (b) contests In good faith the lien by, or defends against enforcement of the Ilan in, legal proceedings which In ilia Lavers opinion operate to prevent the ordainment of the lien; or (c) secures from the holder of the lion an agreement satisfactory to Lander subordinating the lien to this Security instrument. If Lender determines that any part aline Property Is subject to a Tian which may attain priority over the Security Instrument, Lender may give Borrower a notice Identifying the Ilan. Borrower shall satisfy the Gen or take one or more of the actions set forth abovewilhin 10 days of the giving of fallen. S. HazardorPropertylnsurance. Borrower shall keep the improvements now existing or hereafter erected on the Proporty insured against loss by fire,hazards included within the term "extended coverage" end any other hazards, inducing goods or goading, for which Lender requires Insurance. This insurance shall be maintained In the amounts and for the periods that Lander requires. Thelnsumnco carrier providing the Insurance shall be chosen by Borrower subject to Lendoe4 approval which shall not be unreasonably withheld. If Borrower falls to maintain coverage deserted above, Lender may, at Lenders option, obtain coverage to defend Lenders rights in the Property In accordance Wilt paragraph 7. At all times that the Note is outstanding, the Modgegor shall maintain insurance with respect to the Promises against such Oaks and for such amounts as aro customarily Insured against and pay, as the same become due and payable, all premiums in rasped thereto. Including, but not limited to, all-risk Insurance protecting the Interests of Iho Mortgagor and Mortgagee against loss or damage to the Premises by fire, lightning, and other cawanks ousiomedly Insured against (Including boiler exploslon, if appropriate), with a uniform standard extended coverage endorsement, Including debris removal coverage. Such insurance at all times to be in an amount not lase fhen the full replacement mat of the Premises, exclusive of footings and foundations. Ail lasuronce policies and renewals shall be acceptable to Lender and shall Include a standard mortgage clause. Lender abol hove he right to hold the policies and renewal.. if Lander requires, Borrower shall promptly, give to Lender all model. of paid premiums and renewal nodose. In the avant of loss, Borrower shall give prompt notice to the insurance carver and Lender. Lender may make proof of less fl not made pfamplly by Borrower. Unless Lender and Borrower otherwise agree In writing. Insurance proceeds shall be applied to restoration or repair of the Property damaged, !(the restoration or repair Is economically feasible and Lenders security Is not lessened. If the restoration or repair Is not economically feasible or Loners security would be lessened, the Insurance Proceeds shall be applied to the sums secured by the Security Instrument, whether or not then due, with any excess paldto Borrower. If Borrower abandons the Property. or does not answer w allio 30 days a notion From Lender that the Insurance comer has offered to settle a claim, then Lender may wiled Ilia insurance proceeds. Lender may use the proceeds to repair or restore the Property or to pay sums secured by this Smen ecudly Instrul, whether or not then due. The 30 -day period will begin when the notice Is mailed. Unless Lentler and Borrower otherwise agree in writing, any application of proceeds to principal shell not extend or postpone the due date of the monthly payments referrod to In paragraph 1 of ohange the amount of the payments, g ummu pamgmPb 21 the Property Is acquired by Lender, Borrowers right to any insurance policies and proceeds resulting tram damage to the Property prior to the acquisition shall pass to Lender to the extent of the sums secured by this Security Im umenl Immediately prior to the acquisition. $. Occupancy, preaervatloo, Maintenance and Protection of the Property; Bonowera Loan Application, Leaseholds. Bonewor shall occupy, establish, and use the Property as Bonowera principal redden within sixty days otter the execution of this SOwdty Instrument and shall continue to occupy the Prapony as Bmrowoes principal msid"ce for at [coat one year after the data of occupancy, unless Lender otherwise agrees In writing, which consent shall not be unreasonably wilhhald, or unless extenuating ciaximer oris exist which are beyond Boadmearadef, Borrower shall not destroy, damage or Impair the Property, allow the Property to deteriorate, or commit waste on the Property. Borrower shell be in default if any catenate notion or proceeding, whether civil or criminal, Is begun that In Lenders good faith 4ydgment'could msull In for ulture of the Property ntemet. Borrow' may caro such a dafault and r with a -ling Ihaf, In Lendots good faith delermim Impehmenl of the Ilan created by a Seoorlly Im loan application process, pave maleda"' Anise or An10MaAIan) In onnnemton with the loan evidence of the Property as a principal residence. If this S If Borrower acquires fee title to the Property, the 7. Pmteoloonof Landau Rights int Security Instrument. or there is a legal proosedin bankruptcy, probate, for condomtloaft or d Lends selft rif protect the value of the Property an has pdodly over this Security Instrument, appeal Although Lender may take action under this part pamgmph 7shalt become additional debt of Bot of payment, these amounts shall bear interest At from Lender to Bovowor requesting Payment. 8. Mortgage lnaumnee, If Lender to Instrument, Balyewer shall pay the promiume re mortgage Ins 8. notice at the to. or other Ankh the tali unless Provisions Inehumeni In the Prol and (a) ag of this San dans mail up Borrower def 18. ,,m provmoo m p, ["rude, wivi!= I orLondeys aeon ,.to informallon or e Noie, Including, t Inst -mart ie on a Ad and the fee Illie potty. if Borrower nay sbnlflcanlly al r enforce laws or n he Property. Land purt, paying mesa 7, Lander does nor .ecured by this Sar date of dlsbursem Loan Servicer. The Note notice to eonoWer. A ask e Note and this Security 11 OR; 4441 FG; 1091 Its, by causing this schen ortprarceeding toLt>a dismissed nrowoys Interael In (ho Property or other malortel fst. Borrower shall oiso he in defeullifeortower, during the ._ ._ , _ r,.Ov m nrnoide Leader with env material limited lo, representations rano cold, Borrower shall wmply with not merge unless Lender agrees perform the covenants and agn order's rights In the Property (eu( one), then Lender may do end ps :tions may include paying any au aitomeys' fees and entering on it to do so. Any amounts disbands, nst-Anent. U0e558orrowerand the Note rate and shall be pay* r terms notice law. . Lender shall give Bartower auction with any condemnallo hall be paid to Lender. In the %ant wnathar or not then due, rowel otherwise agree In writing, any into referred to in paragraphs 1 or change time far payment or modmostlon or n interest of Borrower shall not operate to M required to commence proceedings ,Iron of the sums secured by this Security lemst. Any forbearance by Lender in etly. :ovenente and agreements of this Security he y Bonowerwho co-signs this Secudly go, grant and convoy that Bonewefs interest i, sums assured by this Security instrument; any accommodations with regard to fire terns "miry Inshument. If Borrower fells to ,ardty Instrument Wthout further the right to have enforcement of this at In the Note (together with this Security IneWrneat) may fango in file ontily (known as the "Loan Servicer) that also may be one of more Changes of the Loan SBNICer alll bre given written notice of the change In accordance with OR; 4441 PG; 1092 peraglaph,14 and applicable law. The notice will state the name and address of the new Loan Servicer and the address to which payments should be made. The notice will also contain any other information required by applicable law. 20. Heareloua Substances. Samovar shall not cause or permit rho presence, use, disposal, storage, or release of any HamNous Substances on or In the Property. Harrower shell not do, nor allow anyone also to do, anything affecting the Propenylhat is In violation of any Environmental Law. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantiles of Hazardous Subslances that are generally recognized to be appropriate to K IM01 residential uses and to maintenance of the Property. Bonover shell promptly give Lender written notice for arty investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party Involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge. If Grammar Imams, or Is notified by any govemmemal or regulatory authority, that any removal or other remediation of any Hazardous Substance affecting the Propeny Is necessary, Honuwerahall promptly take all necessary remedlal actions in accordance with Environmental Law. As used In this paragraph 20, "Hemdoua Substances" are those substances defined as toxic or hazardous substances by Environmental Law and the following substances: gasoline, kerosene, other flammable orhado petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials. As used in this paragraph 20, "Envlmnmenlal LaWmeans federal laws and laws of the jurisdiction where the Property is located that Miele to health, safety or environmental protection. 21. Acceleration: Remedies, Lender shall give notice to ldonewerpriorla acmleralion following Borrow ea breach ofanycovenant or agreement In Oils Security Instrument (but not prior to acceleration under paragraph 17 unless applicable law providea o0rorvdse), The notice &hall specify: (a) the default; (b) the action required to cure the dofaull; (c) a date, not lase than 00 days from the dole the pones Is given to Samovar, by which the default must be cured; and (d) that failure to core the default on or before the data specified In the notice may result In acceleration of the sums moIaad by this Security Instmment, foreclosure byjudielal proceeding and sale of the Property. The noticeshall hlrther Inform Borrower of the right to reinstate al eracoeleMflon and the right to assert In the foreclosure proceeding the non-extstsnce of a default or any other defense of Bomover to acceleration and foreclosure. If it* default is not cured on or before the date specified In the pages. Lender, at Its option, may require immediate payment in full or ell sums secured by this Security Instrument without further demand and may fbmdoselhl&Se rylnslmmentbyjudielelpmowding. Lender shall be entitled to calket all asmu*as income In pusuhg the remedies provided In this poregmph 21, Including, but not limited to, reasonable ahomays two and costs of the the evidence. 22. Release. Upon payment of all sums socured by this Sawaty Instrument, Lender shall release this Security Instrument, without charge, to Burrower. Borrower shall pay any recordation costs. 23, ARomays' Fees. As used In this Security Instrument and the Note, "attorneys- fees" site]] Include any attomays' kes awarded by an appellate court. 24. Rides to this SeourityllaWmenL If one or more dews are executed by Borrower and recorded togotherwith this Security InsWmonl, the covenants and agmaments of each such rider shall be Incorporated into and shall amend and supplement the covenants and agreements of this Security Instrument as If the dder(s) were a pan of this Security Instrument. (Check Applicable sox) ❑ Adjustable Rate Rider ❑ Rate Improvement Rider Q Condominium Rider ❑ Graduated Payment Rider ❑ I-0 FamilyRlder / �—'�t ❑ Second Home Raba ❑ Balloon Rider ❑ Bhveekly Pa nigtlsN—Qy}af�e Unlit Development Rider ❑ Otranto) (specify Q SIGNING BELOW, Borrower accept. and stir tat et s. tlmvbsants-ao lalnodI his curly Instrument end in any rider(s)executed by Harrower and recorded with R. G "� Signed, amaledggddauyar"flt�o�f: 11 I "1 11)I )U_ -,l /k\ v/ I I , %-3830 45°a Ave RE Namlea, Florida .34120 STATEOF OFt, HIDA COUNTY OF GOLLIER 1 hereby carily that on this day, before me, an officer duly amhopzed In the state aforesaid and In the county aforesaid to take acknw,ledgoments, personally appeared Jeannine Blanco to me known to be the peson(s) described in and who executed the foregoing Instrument and acknowledged before me Viet (He) shalhay) execefl d the same for the purpose therein expressed. WITNESS my hand and official seal in the County and Slat a r s Id thl "al day f 2008. My Commission F,paires: C Notary Publl -S1 a urs F S (Seep Notary's .led Ndme Qq' =YF00"�' AtES i`(rzr-t6.bw IZZM% (CAUn ' ' �a nes 3'>o\E. �Oryvgmh T�o.r\ 11 1V0.\CS FL 3a1NZ nl�C�\\c Ai �Si�CS KeM 09-088 Signer's idenbly voluted in the following manner: I'd ed SUmdnauah •rr j'PerwnxM l4wvm Drives Meme Cuar. �--- EXHIBIT "N' LEGAL DESCRIPTION FOR 3520 45TH AVE NE NAPLES, FL 34120 FILE NO,: 2&08363•FL M OR; 4441 PG; 1093 **W REO NO.: THE EAST 76 OF THE WEST 180 FEET OF TRACT 68, GOLDEN GATES ESTATES, UNIT NO, 62, AS RECORDED IN THE PUBLIC RECORDS IN PLAT BOOK 6, PAGE 87, OF THE PUBLIC RECORDS OF COLLIER COUNTY, FLORIDA, 00 C 1981 2010 BINSTR MW 4470101 RCOLLIERRCOUNTY CLERKROFOTHE1CIRCUIT• PACES COURT 3 RIC $27.00 OBLD 50.00 OBLI $0.00 SECOND MORTGAGE THIS SECOND MORTOAOEr$ecrosYlnsimm0M0ls gNsn on / days[ Ao89p4 2010.The B6Wad M,dgegarts: Esmondida Rodriquez, a Bingle poison roon,Wmfi. TMS Socuuty Instrument is Divan to C131eY county (Tomsr),Wh@h Is mgan¢ed and aXisling under the laws Ofthe Unlled Steles olAmedca, enJ Who se oddness is 3301 B. Tamiami Txail Na lee Clotddn 30132 . nomwermos Landerthe6amel Th Th Q nd 00/100 Balers, IS4.000.00) ^�FNnnvmnn BtlWi hah0(m11 Ueb1, As mar, padimledy deserlbad as Lot 131, Library Lending, Collier County, Florida end Whkh bas the address op, ('pmpody Addrese): 3787 JH-tioo Cirole xCmmok,lee (Slot,) de a41 2 OR 4600 PG 1982 *** OR 4500 PG 1983 *** any allomays' fees awarded by on appollar. teen. 14. Rldem to this $eeWly Interment. It one or more rhtms are executed by apnewol antl recorded together with this Instrumenegreemonislhe .0sommen of this Secudyl sWmonl as if the Made) weresaf each such rBeat, be 0 pad o"daS wdylndrumem.,cmund Into end o(Check Appldic 1,1-00)ntiha cove ❑ Adfustable Rete Rider ❑ Rate Improvement Rider ❑ condomfnlum f1dor ❑ Generated Payment RM., ❑i-0Famlly Rider __ ❑ Second Home Rider `.^_ le ed Unit Deverp ment alder ❑ aelloon Rider ❑ Gareakly Pay^en A5� L T� p SecuMy naris and V so dmvenanW contained Ili hisS trey Instrument and In any dder(s) executed SIGNING BELOW, G 41ad wi noonpls Rod 901 Oih ata*_0� by Bence." 11. Signed, someand delivered in the pregente 1: �H ^ 2 _ _ STATE OF FLORIDA COUNTY OF COLLIER I hereby cooly that on thin day, before me, an O ficerduhy suthorhad In No state aforesaid and in the County elaraeald to lake schnovdedoements, personay oppaeredR mozaida Rodsdwaz to me known to bathe parson(s) described In and who executed the fountain Insimmant ad acknowledged before me that (Harsher they) executedthegame to,,tthe purpose Iheroin axprosseo WITNESS myhand and nMt:Bl'�•,:II'ltCouny and Sets stomach! this dt s day at�j_ ` ,1010• MYcottenlsslon Ex;•0"TA%2'•r9t&h 4�y hccmxunn eta Pu blies SIBnoWm _. (SeaO ie 4 .wtunri»ro ; T>: A men Ur • 'pp.«%C + Herculeort Name fit, ``OT OF c'Mon all Tileff: 09-253 INSTR 4457875 OR 4589 PG 3475 RECORDED 7/28/2010 12:59 PN PAGES 3 DWIGHT E. OROCK, COLLIER COUNTY CLERK OE THE CIRCUIT COURT DOC0,35 $10.50 REC $27.00 COLD $3,000.00 OBLI $0.00 SECOND MDRTGAGE THIS SECOND MORTGAGE(•Sewdy insimmenl') Is given on day of ,20tO. The Second Mortgagoris: YENEY SUAREZ, A SINGLE PERSON ('8onmver). This 8eegdy, Inducement is given to Collier County (1aMer), which is organized and tarragon under the laws of the United Slates ofAmedca, and whose address is 3301 E. Temiemi Txni , Naples Florida 34112 As mare particularly described as CONGO Oats Hold, Block % Lot 22, Dollar county, Florida and which has the address OC VI'ageertyAddress-): 4287 23r° Ave. Sit Naples Ploricia 34116 to In BORROWER THIS SECURITY INSTRUMENT wmbmes a to cypyilhl orDal(fiq�{asondnon•uNformcovononlsedNllmltodvarlallonby Jodstlldbn to consillulea unlPonn security insWmvy /in preport —aV UNIFORM COVENANTS. Oonowor an g a ovenanl antl agree as 11 1. Paymen,.fp at Principal and indorse In, mond and Late Charges. Brows, hall promptypay whom duo the principal or and Interest On thedebt evidenced by the Nale. FT- 2.Taxes. TheMadgegorwlll paye laxv,asdasmq U,awarr srwaer los rto the accOal of any penalties or Interest thereon. Tim Mortgagor shall pay orcause l be 1 , r a r 1 y e tt(A) ) all lazes and governmental charges of any kindwbvlsoovorwNch may at any trace ul a sae of N d g in o i r v ocpto lh Plapedy, (2}aquPilry and olhorohvges, aridullog%mv ulm,Aas", Incurted ertmp ad. m op 0 o 1 n ce, us ac p pkeep endlmprovement of The Property, and (3) all sssossmonls or omorgovommonlal ha op Inst s r ped ad of years, the Modg agar shag M obligated under the MotlgaAe lO pay or Dau& $paid any surth instal monlYos am eqW p paid during the lean of the Mortgage, OM shall,promply ener me payrnenf of any of We tip mg. Imwred to MOrtgag0e on eo aS� oyment. 3, Appllealkmm PaynmmM, Votes bv$I,ciebloI vIS asvlhe�el4 ayi�byl mcoivedby Landerahaibeapplled;drstlo by tire, Iighlntn0, and ether coverage aMOnemem, Int Cost or rho Promisee, exch Nilmurwtoapa1'. the right to hold the per e Dikes. In thooverm of lo: promptly by Borrower. Unless Lmderm damaged, R the roslomgon aconomicelly feasible or L, InsWmam, whether Or not a nogw from LaMar that 1 the proceeds t0 report or G will begin when the cancel extend or postpone the Me 21 the Property is squared the ecqulslllm shall pass I. 6. Occupancy, Prmoneat occupy, establish, am use shall coollnuo to occupy m othare isa agrees in wagon BO!(OWBr4 COn1101. Human Property. Bormwershailb Judgment could resuh in fat Interest, Boom., may Wt with a Other that. In Lends, ory to Lender subordinating me Ilan to this Security unknoenl. KI -ander general that any part "aero pdody over the Security marketed, Lander may give Borrower o notice Idenllybq the lien. more of the actions set farm above within 10 days of the giving of Perot. t. Roamer shall keep the lmpummanis now existing or hereafter created on the PropeM insured The term 'command covamga' erg any other be&arda. Including goods or goodmg, for which Lender maintained In the amount& and for the pounds that Lender. requaas. The Insurance carder lomem subkd to Lenders approval which shall not be unreasonably withheld. if 8onower fulls to 06 be data Bonotversholl also oR 4669 Pe 3476 F" OR 4589 PG 3477 "s• Environmental Lar, no yrOceding Hosardous Substances that ere 901 Borrower shag promptly olve Lends regulatory agency or pdvalo party 11 knowledge. 11 Borrowor leams, ori HaSNCus SubsenS affecting the Envimnmanlal Law. As used In Inas paragraph 20, "HBs and Ih0 folloxlrg substances: gas' solvents, maledea containing ebe real ... lNemeloirals. As used [all located that relate to health. Slaty 21, Acceleration; Rema or agmomonl In this Security Instru notice shall specily: (a)the default to Borrower, by which the defeoll n In.=[,own of the sum searel further Worm Borrower of the right default of any other defense of Hof Lender, at Its option, may requiro It fommwo this Security Instrument provided In this paragraph 21, inch 22. Release, Uponpew G1alge, to Bwramc Borrmversh; 23, ANorneyelfwas. A an oppellatesmud. 24. Rltlem to PROSocu to thosD substances defined as toxic namable or toxic"holeum prod otsr toxic substancesrdous pestlebesand heklel Lew eld a,, volatile ad marshal Lew- means mdaral laws and laws of the )udsdlclion wham me PmpeAy is n0reemenls of INS Secudty oub marll as If The ddef(s) were 0 pen ❑ Ad(usablo Rate RWor ❑ Rats Improvement Rider ❑ Graduated Payment RWor ❑id Famiy Rider El narrow Rider ❑Rrvoekly Psy/moa�JN. ❑ Guam(.) (specify / S A —1 SIGNING BELOW. Borrower accepts by Harrower and recorded with 14 Signed, aeanyilvamdim the p The Nola, "allome re fans• shall include any eHomaye fees awarded by are executed by Bonower and retarded Together with this Security cemorated Into and shell amend and supplement the covenants and ❑ Condominlum Rider ❑ Second Home Rider had Unit Uevelopmnl Rider lelnncenl and in any rider($) exeoulad STATEOFFLORIOA OOUWY0FCOLLIER 1 hereby o ify mal an This day, before me, on officer dairy eulhoAaed in The sato aforesaid and In The county aforesaid to take ecknwAodgvmonla, pomanalM appendxenev Suarez tome known to be the pemon(s) doscribad in antl who axeculad The f a.gang Instrument and acknowledged before me Thal (Het she? they) executed the area for the purpose therein expressed. WRNESS my hand and ohalal seal a the CountyoW Sale moms � tloy Ol,_,.1.X�6-el_-•20�. My Commission Expires: J/ o it's Signature /I (Soa9(OS H+�„+„'.r_.t•.=,v�ld.n' olaiyrs FARM Name ' WB@ N.=r)Purtt e:ebe(fbf4a t.fcsalD)aWeS ee:an ��Ypc� E ”"4"RGO pt � Pild: 09457 INSTR 4364823 OR 4511 PG 696 RECORDED 17./19/2009 8:15 AM PAGES 3 DWIGHT E. BROCK, COLLIER COUNTY CLERK OF THE CIRCUIT COURT DOC14.35$10.50 REC $27.00 OBLD $3,000.00 OBLI $0.00 SBCOND MORTGAGE TW98ECOND MORTGAGE I'SeoNiy lmtrudown is alvenno deTd , 1008.' me 8eoond Male b: Woldlmyr Plerm end Juliette Luo, a monled couple Ae man pordwiwlydmGlbo l se Golden Get@ E@t Gnll en, W T3FT of TR Te, Conler County, Mald@ and Mdohlm dw Odrom of: m 4511 PG 697 *** OR 4511 PG 698 *** arlwres daKnW m W&M Eazmdan eeMlaee. W Emimnmmlal law N Iodep.0adm padpeb, fade WNdd¢a and nerddd"'W.M. LW moon. 1"" Wwi and Wwa o1 BrelwNdkibnwm.mmo Raporty is Fin Z1. Pr1eaN, Upon peymaq adi eam.esLrad tytlJs3ewr17W50-Ixn.nt,Lmdo-ehDy rDlea+e mU 9eculry WaVuneN, rRNW1 cherya, toBmdyar. Baronet lBM peyemyrecprdatlonw.H. ]]. ANameya`Feaa. Aa uaotl in Wa eawrtN InallunMt eM Bfe Nqa, •d1aa.Ya'Haa• e0dl Wdude enYdlDmeyr'laea evmfded0y en Npelale cwt. ❑Ac9 wuU. Rela MW Pdal (�" fir -+lS no., BGfvdualadpsymad Rldw elf 'dwr .Nder PBIDm Ndar I)p�niPb- 1]plumad UNl vd ynl N, Gma(al(SPedN � SIGNING BELOW, Bou., acmpe b'Panpxar and racadatlMmlL Squad,aedod wld_lypW I map vydda(a)arDbAed STATEOFFLORIDA COUMY BFCOLl1ER IlwmtryadHymm on Wa dry, Oalapme, MDIAanrduly agamuvdlniM dqa abremld a+d In ma madyaba+ddto HNe adVWMa}daaenH-pe.aldN eppeerpdwaldimpx Piax[* and Tulietty tOo fD moWwxn to loo mapmM(>)tlpa<dhadW BIId Yd10 WaGladtlNbfa(IdnphlWmM1 Md aaiMeiotlpBd eWae my Ml (FIga 611B(tllVj) WAMW p1018ma Iq NO pJIpDSamafDln a.{reeeod. WRNSSS,rghand and Wdet rad Wma Caam, and SWlo.raoadd Wa --�L- dayal AU 00 EB::LVOy My CaM WME-0.5: �/'If (Sam dBryR "101"'OA""'°0— ` .� a A 11 B. Mills III,' DRIVER LICE'NS �: aN TASS'MUC-SUTSOPFLOMA , Ralph 13, Mills, JII ; CommlSsl00 BDMOS1 `- `b"�••' Expires: OCT 26, 2011 F1101 09-190 DtD 14S P14 Mrs UWIUUTd9. flRDCK RCIRNR OFUTUEOCIRCUITRCOUNT, COLLIER3COUNTY FLORIOA3 RIC $27.00 OBLO $0,00 OBLI $0,00 STATE HOUSING nUTXATMO PARTNRRSHIP (SHIP) PROGRAM SSCOND 14ORTGAOM THI994CON0 MORTOAOECSaWriy IBOWmanC)M ONan on %7 day of 0t7 ,2Ofl, ThO Bowed Moda-S- 1: .._,__ _ wed Vita TOOK Altl%BRdrO, A IDCYYled 0OYfn1B AB more pss tiwlas}y deacslbad se LOHB, Oldek l2r Naplea Menar lo%ae,a e u and uhdah hae tho xddseae ofl e mperty Addm e)! 8352 0110 "int SLWOOL te'rytea `lde' da `4p 33 r emne OR 4594 PO 3093 •as OR 4694 PG 3094 e*¢ 20. Meet sslancosdofinedastodoorha ,dmsubslanwsbyy ERdrenmenial Lew IttOAC paubfurn preduots, 19do pes04401 and hemioldae, WRIO, LW'moe4S Adaml law$ and ion** the(udedkdonwhem the p apedyls 1"Zolao, 'w USM16 m semreoo NI$aeGlnly lnalrymaR4leMatanp11R1a... fhb 30Wdty INWrn.m. without yrecameDoncoa . Assetlln Wa 3a4udrytnsWmenlaM lha Note, 'ollbmoya'foe sholi include any apomays'too, awarded by ' Adfoalable Rete Ride ❑Hold lmproWmem g�` - �❑ CondpmlAIM MIA Gtadualadpeymenl Richt to Family.. ' CpU Se9oM HMO Rider Dasoon Rkder U Mweekly �$y� .RI o �7ItlaWlopmanl Rider ❑ Oihel(a) (smay SIGNING BELOW, BMwef eeeapB andall veto elermae. ntseominedinp So ugly instrument AM many Meats)exssulod byn.c%serondrvwNadwllA lL ` --p q/ 9ipnad, sealed end delhroretlln tare prea¢nco ol: V `/ Atldeesst 6362 a11Oh5tet Smoot N�eR, Y or da 3 3 STATE OF FLORIDA GOUNIYOFCQLLIER I hereby cemfythat on this day, before me, an offleof duy aulhmsaM In No atslo aforesaid and In Be poorly efomeeld to lake RcknW1094menle, POKanaly appoamtl Yad.tznet ,Tuan and Vita ,Toon Alaxandaa to me known to be the ponon(s) dosorbed (naadwho exaaled the foregoing instrument and aeknowMer(Rd before me that (Hal shat [hey) oxecutad the same for 0e purpose Nondno>preseod. IE93myMMaMoiflGel coal In me CWntyand SlalootaresoW Wa -20 tlayol ddle. ,2011, ,p,nam srcushslsn AtDy� N (peel) tjA�sh", v4 N�sv ey Nia'e ns ore c' edit PIdl 10 Al$)2by'IA nen hikiif9 Audit d �a N• !ksGsr,. 1NOlatya Pdnied Nema RSIP Fllet/l 09.373 Prepared by: Collin CountyHouilng, Humen R vote." Depanment 3339 E. Tamlem 17.11, R idg H. Suite 211 Naples, PL 34112 Please Return To: Shepard & Leskar, PA, 100 NW 70th Ave. Plantation, FI 33317 4292612 OR; 4450 P0; 2669 RECORDED IB OFFICIAL BBCOADS Of COLLISR COUNTY, PL 05/0712009 at 03:02PH DWIGHT S, BRACY, CLEAR OBID 3000.00 OB1I 3000.00 REB FEE 35150 DOC -.35 10.50 Retro SECOND MORTGAGE BUYERS 717LE 100 AW 20TH AVE THIS SECOND MORTGAGE("Secudty lnsbumenl")is given on 3� dao PLANTATION PL J3333��77� y ,2008. The Second Mortgagor ie: Emilio Castro, a married man, joined by his wife Paula Martinez v (•Bonower"). This S000dty Instrument is given to Collier County fLender'), which is organized and existing under the laws of the Lague States 01Amedca, and whose atldmasis 3301 8. Tamiami Trail, Naples, Florida 34112 . Borrower owes Lender the sum of Three Thouaand and 00/100 Dollars (83,000,00). This debt is evidenced by Borrowers Nate dated the Dame dale as this Secudty Insommann ("Second Mortgage"), which provides for monthly payments, with the foil debt. It not paid serum. due and payable on Bale of ]2ro2erU, refinance, or loss of homestead exemption . This Security Instrument secures to Lender. (a) the repayment of the debt wlilenced by the Note, with Interest, and all renewals, extension and mod fi-110na; (b) the payment of all othersums, with Interest advanced under paragraph 7 to protect the security of the Security Instrument; and (e) the performance of Bonowers covenants and agreements underlhls Security instrument and the Note. Forlhis purpose, Hammer does hereby second mortgage, grant antl convey to Loader the following described property located in Collier_ County, Florida. As more padtculady described as Golden Gate lint 6 Blk 164 Lot 17, Center County, Florida and which has the address of. ("Property Address"); 5232 19na Ple.ce ew, Naples, Fr, 34116 TOGETHER WITH all the improvements now or hereafter erected on the property, and all casements, rights, appurtenances, rents, royalties, mineral, oil and gas rights and proline, water rights and stock and all Mixtures now or homelier a ped of the properly. All replacements and addition..1ml oleo be covered by the Sevu ity Instrument. All of the foregoing Is manned to in this Security Instrument as the "Pmpody' BORROWER COVENANTS that Borrower Is lawfully selzed of the estate hereby conveyed and has the right to mortgage, grant end convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims antl demands, subject Or any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform covenants with limited variation by ludsdiellon to constitute a uniform security Instrument covering real�rmpa UNIFORM COVENANTS. Borrower and Lender cove enhandmIum, dsJollows: Interest on the debt 2. Tares. thereon. or was to (3) all assessmanls or other no obligated under the Mortgage k shall, promptly after the paymm Interest duo; and, to principal duo; and 4. Charges; Liens. Borrow, again pdodry war (ms Secudty Instrun noticea of amounts to be paid under In Borrower Shall promptly disd (he payment of the obligation secured', enforcement of the lien in, legal prom the holder of the lien an agreement sal of the Property la subject to a Ilen whit Borrower shall satisfy the Ilan or take c S. Hazard or Propertyinom against loss by tire, hazards included v requires Insurance. This Insurance sh'. providing the Insurance shall be chbse. At all times that the Note le Ata..alhi—* g�18a�owerahall promptly pay when duo the principal of and sewer renl6 or�xV�(brYA(e\s pilar to rho accrual of any penalties or Interest espeel(v�ytbecome ve,j(s)(1) all taxes and governmental charges of any onl au ni at%.9ne,:kJd4 quihtlf be paid during the term of the Mortgage. and @@ i dof �jah aymenl. Imvjge .Soscelved by Lender shall be applied; fief to es positions al!mutable to the PropertywMch may p ormwefahell promptly fumleh to Lander all O I receipia evidencing lhay ,ym%iY . a,Gdmr by over thi 'try (islrument unless Burrower: (a) agrees In willing to 2 r blalq�q Yc)onteale In good faith the lien by, or defends against ra L dt5 Fddp7nGep bj��rgdr�s o prevent the enforcement of (he lien; or (c) secures from 'er Bubo ntingYtte't ef' n tO this Security Instrument. If Lender determines that any pan ugy over the Security Instrument, Lender may give Borrower a notion Identifying (he lien. e actions eel forth above %vihln 10 days of the giving of notice. shell keep the Improvements now existing or hereafter erected on the Property Insured xtendad coverage" and any other hazards, InchMing goods or flooding, for which Lender In the amounts and for the padods that Lender requires. The Insurance carder ,bject to Lenders approval which Shall not be unreasonably withheld. If Borrower falls to nders option, obtain coverage to protect Lenders rights In the Property in accordance Ing, the Mortgagor shall maintain Insurance with respect to the Premlaes against such inchong, but not limited to, all-risk Insurance prolocling tho Interests of the Mortgagor and Mortgagee against lose or damage to the Premises by fire, lightning, and other casualties customarily Insured against (including boiler explosion, if appropriate), with a uniform standard extended coverage endorsement, Including debris removal coverage. Such insurance at all (Imes to be in an amount not lass than the NII replacement cost of the Premises, exclusive of footings and foundallons. All Insurance policies and renewals shall be acceptable to Landor and shall include a standard mortgage clause. Lender Shall have the tight to hold the policies and renewals. If Lender requires, Harrower shall promptly give to Lender all recelpts of paid premiums and renewal ounces. In the event of loss, Borrower shag give prompt notice to the Insurance tamer and Lender, Lender may make proof of loss Ifni made Promptly by Bonower. Unless Lender and Borrower otherwise agree in writing, Insurance proceeds shall be applied to restoration or repair of the Property damaged, if the roslore0en or.pair Is ec009114 filly feasible and Lendoes security Is not lessened. lithe mnorallon or repair is not economically feasible or Lemnos s security would be Imaaened, the Insurance proceeds shall be applied to the Bums secured by the Security Instrument, whether or not then due, with any excess paid to Borrower If Borrower abandons the Property, or does not answer within 30 days a notice from Lender that the Insurance carrier has offered to settle a claim, than Lender may collect the Insurance proceeds. Lander may use the proceeds to repair or restom the Property or to pay sums seemed by (his Sacurity lnstrumenl whether or not then due. The 3D -day period Will begin when the notice is mailed. Unless Lender and Borrower otherwise agree In writing, any application ofprOceads to principal shall not extend or postpone the due dale of the monthly payments referred to to paragraph 1 or change the amount of the payments, If under paragraph 21 the Property to acqulred by Lender, Borrowers right to any Insurance policies and proceeds resulting from damage to the Property prior to the acquisition Shell roes to Lender to the extent of the sums secured by this Security Instrument Immediately prior to the acquisition. 6. Occupancy, Preservatlon, Maintenance and Protection of the Property; Borrowers Loan Application, Leaseholds. Bomwershall Occupy, establish, and use the Property es Borrowers principal makfance within sixty days afterthe execution of this Security Instrument and shall continue to occupy the Property as Borrowers principal moldence for at least one year after the date of occupancy, unless lender otherwise agrees In writing, which consent shall not be unreasenab"Idmld, or unless extenuating circumstances exist which are beyond Borrowers control. Borrower shall not destroy,damage or Impair the Property, allow the Property to deteriorate, or commit waste on the Property. Bonower Shall be in default If any fodeilure action or proceeding, whether civil or criminal, is begun that in Lenders good With judgment could result In forfeiture of the Property or otherwise materially Impah the Ilan created by this Security Instrument or Lenders security Interest. Borrower may cure such a default and reinstate, as provided in paragraph 18, by causing the action or proceeding to be dismissed with a rating that, in Lenders good faith determination, precludes forfeiture ofihe Borrowers Interest in the Properly or other material Impalrnent of the lien created by this Security instrument or Lenders Secudty interest, Borrower a hall also be in default if Borrower. during (he FFl 06C Security Instrument or there is a bankruptcy. probate, forcondeml protect the value of the Property has priority over this Security Ins Although Lender may take action paragraph 7 shall become additll of feaymant, these amounts shot from Lender to Sanower request S. Mortgage lnsumns IneW merit, Boomwor shat pay it In lieu of mortgage 11 the Amount and for t Borrower shall pay mortgage Insurance 9. (nspoe notice at the time of and (e of ihle law Is 16. 00WHIII the Property IS located. Conflict shall net effect this end the provisions 16. Borrow, 17. Transfei OR; 4450 PG; 2670 or Inaccurate infolmetion or so(emonts to lender (or lagn to provido Lenderwllh any main red by the Nole, Including, but not limited lo, represenlagono wnwming Borrowers occupai Security Instrument Is on a leasehold, Borrower shall comply with all the provision of the les e leasehold and the fee line shall not merge unites Lender agrees to the merger In writing. the Ing that may slonigwntly affect Lewer falls ton a s rights in the Property erform (he covariants and (sow this aro a Pocesding In Ilure or to enforce laws or regulations), then Lender may do and pay for whatever Is Accessi rights in the Property. Loners actions may Include paying any sums secured by a than will In Court, paying reasonable oand buProperty to pal mumph 7, Leader not have to do so. Any amoundisunited by Lender under this secured Instrument. Unless Borrower and Lender ree, to other (a from the dateof disbursement rsement sl he Note rata and s H be payable, with interest. upon rich equlred mortgage Insurance as a Condition of making the loan secured by this Security ei to maintain the mortgage Insurance In effect. IL for any reason, the mortgage Insur r. if Borrower meet - inform the enierof be sold ono or more times without prior nonce to Pv„a,. wllects monthly payments due under the Note and this Semi unrelated to a sale Of the Note. e of the Lo paragraph 14 and applicable low. The MAICO will them Is a state Ilia no should be made. The notice will also cal any other Infom 10, Haval Substances. Samovar shall not Sebetance5 on orin the Property. Borrower shall not do, ear low. Lender shall give Borrower lattice with anywndemnalio hall a paid to Lender. In ilia lent, whether or not than due, 1, any orchange lot N11 lhAVIa modify morowe In forest. Any forbearance by Lentler in oy fre arty.ii - o$ is. Tho VeOeis and agreements of this Security arrow b) -to he s ba ata ar 9A y Borrower who co-signs this Security Ir Inst Ata yto age, gone and Convey that BairawcrB lntereat mil 119 d the sums secured by this$Goodly lnslemcn; it, maul rb/p9 A . ka any ecormmuatlons with regard to the terms umenI Is U lawwhich seta maximum loan charges, end that xed BS,c1s is In wAna with ilia loan exceed the porn sed i duce the charge Io the permitted limit; and (b) any sums by lent to 80, 0n Ifaref nd educespa pa4a l ereductioke this n will the Note. urily Instrument shall be given by delivering It or by mailing it by first notice shall be directed to The Properly Address or any other address o given to Borrower or Lender when given as provided In this paragraph. I shall be govornn by fodoral law and the law of the luds(fiction In whhdi a Security Instillment or the Nola Conflicts with applicable law, such rte Note which Can be given effect without the wn0lciing provision. To clared to be severable. ted Copy of the Note and of this Security Instrument. orrowor. If all or any part of the Property or any interest In it Is sold or and Borrower is not a natural person) without Lenders prior written if ell sums secured by this SeCudty Instrument. However, this option shall A the date of this Security IneW menl. :calarellon. The notice shall provide a period of not 1088 than 30 days cost pay all sums 'dwred by this SOi Instrument. It BOMWA1 falls to M any remedies permitted by this Security Instrument without furtherer or a partial Interest In the Note (togaterwith I may roauil in a change In the entity (known as ur ment. There also may be one or more chs mMer. Borrower will be given written notice of "Loan Servitor”) that s of the Lon Servlwr :hangs In accordance with las to which payments ,lease of any Hazardous that is in violation of any �,� Ec OR; 4450 PG; 2671 Hazardous Substan s tal Law. Thehat amdgenerally retwo cognized toces shall nor be appropriate tto theo normal residential uses and to maresence, use. or storage on the rinlanameSaudi of the Property.ifillAS af Borrower shall promptly give Landerwdttan notion for any investigation, claim, demand, lawsuit or other Sedan by any governmental or regulatory agency or private party Involving the Property and any Hazardous Substance or Environmental Law ofwhioh Borrower has actual knowledge. If Borrower learns, or Is notified by any governments] or regulatory authority, that any remove] or other remadlalion of any Hazardous Substance affecting the Property Is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. As used In this paragraph 20, "Hazardous Substancos" are those substances defined as (axis or hazardoaa substances by Environmental Law and the following substrates: gasoline,kerosene, other flammable orto%icPnfoleum products, loxia pesticides and halbicidos,volatile solvents, materiels containing asbestos or formaldehyde, and radioactive materials. As used In this paragraph 20, "Environmental Law' means federal Iowa and laws of the Jurisdiction where the Property is located that relate to health, safety or environmental protection. 21. AcceloraBon; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenen or agreement In this Seudly, Instrument (but not prior to acceleration under paragraph 17 unless applicable law provides olherm"). The ounce shall specify: (a) the default; (b) the action required to aura the defaail; (c) a dale, not less then 30 days from the dale Ina notice Is given In acceleration nr. ywhich orlhe surms secured by this security Ilt must be cured; andnstrument, ment,iure to cure foreclosurethe by judicial proceeding and salleult on or before the eof theiProoperty. The no ce heli d In the notice May result further inform Borrower of the right to reinstate ager eccoloralan and the right to eased In the foreclosure proceeding the nmoxistence of a default or any other defense of Borrower to acceleration and foreclosure. it the default is not cured on or before the date spedged in the notice, Lender, at Ila option, may require immediate payment In fun of all sums secured by this Security Instrument without further demand and may foreclose this Security Instrument by judidal procaeding. Lender Shall be entitled to aonect all expenses Incurred In pursuing the remedies provided In (his paragraph 21, Including, but not limited to, reasonabte attorney's fees and costs of the into evidence, 22. Rolease. Upon payment of all sums saaured by this Security Instrument, Lender shall release this Security instrument, without charge, to Borrower. Borrower shall pay any recordation costs. 23. Attorneys' Fees. As used in (his Security Instrument and the Note, "attorneys' foes" shall include any attorneys' fees awarded by an appellate court. 24. Ride to this Security instrument. If one or more riders are executed by Borrower and recorded logelharwith this Security agreementslhe of thhiisvarrants and Security Instrument ants of each such as if the odm(% werershall a partofthiss security IIncorporated nstrument to and all amend (Check Applicable supplement the covenants and Adjustable Rate Rider Crestwood Payment Rider ❑ Balloon Rider ❑ Other(s) (specify ❑ Rate Improvement Rider ❑ 1-4 Family Rider ❑ Biweekly Payment Rider SIGNING BELOW, Borrower accepts and agrees to by Borrower and recorded with it. Signed, tested and delivered in the presence of:/ STATE OF FLORIDA ❑ Condominium Rider ❑ Second Home Rldn ❑ Planned Unit Development Rider Security Instrument and In any dome) executed Address:Srli21�N<7 j�laae ON COUNTY OF COLLIER " I hereby county that on this day, before me, on olgeor dulyyumodzed in a state olore aid and in the county aforesaid to take ayd r W.)/0. 'tC acknowlodgmMMt% personally appeared Emilio Castro to me known to be the persons) described In and who executed the foregoing Inshumenl and acknowledged before me that (Her she/ they) executed the same for rho Purpo{sseey therein expressed. ,meq WITNESS my hand antl official seal In the County and State afar aid this day of 1._of� My Commission Expires: A fes— —""— Notery by�csS netu (Seel) Note P. Beed mo CINSYSARSERA Notary Public • GUIs of fladda 0"rsniaa i reg smil),12 File#: 09-121 *** OR, 4450 PG; 2672 *** EXHIBIT "A" La 117, Black 164, GOLDEN GATE, UNIT 5, according to the plat thereof, as recorded In Plat Back 5, Pages 117 through 123, of the Public Records of Collier County, Florida. SECOND MORTGAGE THIS SECOND MORTGAGE CSecudly InslaaoeM') is given on Augusl22, 2007. The Second Mortgagor Is: PHXLLXP A ARENA Si., s single man ('Batmwer'). This Seel* InsimmmA is mert9ege, grant and convey,a,.un.,c, More paNculadyciesodbed as Lot 10, Block 6, Rapist Noples Manor Lakes, according to 1he plallhereol recorded InplelBook4, page 67, of the Feeds Records of Calller County Florida, Fb11,1162M0040002 and which has the address of rPropoay Address"): ® 5229 Jennings SC St. )udsdiction to consul UNIFORM 1. Paymai sad Interest on the ( 2. Tues. Thereon. _ c+,.ed.n'p 4066032 M 4276 PG; 0258 Rota: ROOAINO A OWN SERVICES RECORDED in the DIFIC19L ASCORDS of COLLI&A CDONiI, [L VELD 10000,00 RORSISROE DR 08129(2007 at 02t9IM DYIORT N, EROCE, CURE ODLI 70000.00 sena o INTEROlRCE: YRNDI ELOPT EEC !EE DOC -,75 27,00 105,00 SECOND MORTGAGE THIS SECOND MORTGAGE CSecudly InslaaoeM') is given on Augusl22, 2007. The Second Mortgagor Is: PHXLLXP A ARENA Si., s single man ('Batmwer'). This Seel* InsimmmA is mert9ege, grant and convey,a,.un.,c, More paNculadyciesodbed as Lot 10, Block 6, Rapist Noples Manor Lakes, according to 1he plallhereol recorded InplelBook4, page 67, of the Feeds Records of Calller County Florida, Fb11,1162M0040002 and which has the address of rPropoay Address"): ® 5229 Jennings SC St. )udsdiction to consul UNIFORM 1. Paymai sad Interest on the ( 2. Tues. Thereon. _ c+,.ed.n'p to M. o g. Oauupanoy, Preservation, Ieinlooance end mrshall occupy, eslabiJob entl usalhe PMi orty as Be, neat and $Yell continua to occupy the Property as Bar Lender othanviao agrees In mating, which consent sh are beyond 8orrowere central. BonoWarshall not owl i ruling that. in Lendete good faith determination, precludes if the Ila created by this Security Instrument orLender's sec aflon process, gave materially false or inecoumte Intermark, "on) In connection will the loan evidenced by the Note. I yof the Pmpeityus a pdnGpal residmw. If Ihle S3audtyins t. 11 Borrower acquires fee title to the Propady, the teasehald Ion of Lendoes Bights In the Property. If Bonowerfalls to or there is a legal procoWing that may significantly affect farmedemn alias or forfeiture or to enforce laws or regueno U. mortgage it, Borrower sl payments as a loss MONO In lieu m mong mortgage Insurance coverage (In the amen becomes available and is obtained. BerrmW reserve, until the requirement for modgage Lender. Intheovenlof or not then due, with s proceeds shelf be applied Bortower otherwise agree payments referred to in per 11, sonnowarp eamody shall not be ewalver r iaryand Assigns Bound; Jal lid b .holt b eani andars and. inlsshall ba total and sororel, OR: 4276 PG; 0259 Bormwot's Loan as a praweding in iaborwienemss er modgage Insurance as a condition of making the loan secured by this Security to malmo n Ua mortgage Insurance In effect. It, for coy reason, the mortgage , to be In offer, flammor shag pay the premiums required to obtain coverage dously In affect, at a cast substanllaily equivalent to the cost to Borrower of the ale mortgage Insurer approved by Landon. If son stangagy equivalent mortgage oLender each month a sum equal to one-hvelfth of the Yearly mortgage maracas voragetrMaUlforcraoseeltobehiefled. Lender Of accept use and retain these 5 a;ervp pQ ants may no longer be required, at the option of Lender. If d- a}�n,62r/1 kp$) provided by an Insurer approved by Lender again til, mlumsrequl t ' Q�lsin modgogalnsurancetnai/eG. orlopvvidealoss ads (n accordance %%I l an agreement bobvinon Borrower and Lender or ke`rtasmeDi engigs upon lid 1 precious of the Property. Lender shall give pgkftvin ason`aNI cuaafo Ns specuoa. e, '4 rm f am nav nI or consenuengel. In connection Will any diyArabomogG U or na the sums are than due, Batwe Ler gsp(( i �aa� II rrol elnond or postpone iia due date of Ne Tof G meals. Lender Not a Waiver. Extension of the amo for payment or modill Note Wshout that Bavowars consent. 13. Loan Chargee, Iftheloonse redbythlSSnudrylnstnrmentlssub)ecltoalawyghlchsetsmnimumlooncherym.mdUlel law Is finally Interpreted so That the Interest or other loan charges detected or to be colledemn wooden the loan exceed it. pamdhed Units, than: (a)any such lam charge shell be reduced by me amount 11003380 to reducothechaugotothaP�gled limit; and(b)nysums already collected from Borowarwhich exceeded permitted Ilmit$will be refunded to dimmer. Lendar may dmosoto make this refund by reducing the principal owed underlhe Now or by making a drrecl payment to B3newef. If a rotund reduces principal, the reduction will be treated as a partial prepayment VAUwui any prepayment charge under the Note. Io Nmicre. Any notice to BonowarProvided for In this Sewtlly lnseammlaftalt be given by delivering It or bymalling it by first doss mail unless appliumblelawrequired use or another method. Thenotiw shailbodirwted lothe PmperlyAddrass aranyothereddmss t onmvur designates by notice b Lender. Any notice to Lender shall be given to Borrower or Lendur When given as Provided In this paragraph. 1st Ment. In the Sevata any pr Federal or Ouse and of his Se unityhe n5briion it r ildhthe the Propenyls tooled inapplicable law. this Sentlty Inetmmens In the event that any provision or douse of this a Note unman bit or the Nom conoids veli applicable mw, such congldshall rwleffedolherprovlsins of this Security InsWmenlarihe Notawfiichcan be given agent vAthoulthe conglWng Provision. To this and the provisions of this Security Instrument and the Note we declared to be severable. ia. Harrowers Copy. Borrower shall be given one conformed copy of the Nola and oflhis Sasudly Instrument. 17. Transfer of the Property or a Beneficial Marcell" Borrower, hall orany padmfhe Praparlyoranylnlerestin ills solder transferred (or if a benendal Interest In Bmrowerls sold ortransfarred and Borrower Is not a natural peman) wi0toutLembes pdarweden consort. Lender may, at its option, require immediate payment in full of all sums secured by this SawrityInsWrnent Haswer, Lendershall not exercise this option if federal law as of the date of this Security instrument prohibits exercise. If Lenderoxordsad this option. Lender shall give Somewer notice of acceleration. The notice shag provide apadod of hatless thaiQO days from the date the AmmIs delivered Or malted oomwer falls to expirationiotf this padod, Lenderich 130ame, ust may iinvoll eures, secured any animates permitted by this y this Instrument Sowdty Instrument wlihaut further notice or these Sears drior 10 ute emand on Borrower. 2 .n,ed.wp VOW O 18, Is Sewdlylnsbument. Tlwseeondl0nns and the Note as If no aoxesunion had 18. Salo .f Nolel unange m roan ,,,_,..••••-1 -.- •- be sold one ormore times without prior nmiwlo Barmwer. A suM may r.su collads monthly payments duo under the Note and this SocudrylnsW ment. unreacted to a sale of the Not.. If there is a change of me Loan Servtcar, 80. vAth paragraph 14 and appiicablo low. Thu nogw will state the name and payments e Should b..nn de. The ie Substances. IlWas BorroW flain any et elf Out ceusef of pe or narbidaas, Volatilet,j� not enarlederalS laws and lam c *** OR: 4276 PG: 0260 *** I of the new Loan Servicer and the address to red by opplicabaa law. pfosenca, use, disposal, Storage, or rmeaso As used In t that relate to deme, to Bonowar. 80M 23. AROMSYs' P byan appellate court.. agreements of MIS sewnry mswnmm ee, N7� --�- Adjustable Rate Rider ❑RateImrove Qu ❑ CMuMMMium Rider Graduated Payment Rider Trj"�i7--L'e.�XrA�m(IIj. Y, ❑ Second Home Rider T SI ant Wdor Planned Unit DevelopmOrd Bidet ❑ Beliwn Rider ❑ Other(s)(epedfy SIGNING BELOW, Borrower accepts and agrees to the terms and covenams contained In this Security Insbument end In any Mier(s) executed by Borrower and recorded with It. Signed, sealed and delivered In Ilia preseaw of: 4f.Q Signature• • WMesa 9lgnetur°: rrA� Berm er P7 II•LIY NANA 13R• WBness Pdnt Name: p -Y 11 91ipunu Bmto l �'� Bortov+er Witness Signature; x !Oµ`— Wllnes9PrintName: Siel/+wa• oT.^n�5 Address: Naples Florlda5229 Jemningg t 34113 STATE OF Florida COUNTY OF $,41115( I hereby w lify that on this day, before me, an affiwr duty authorized in the scute aforesaid and in Mo costly aforesaid la leko acknowbmilements, personalty appeared $RILLIP ARENA to me known to be the pemon(s) described in and who executed the foregoing instrument end ackrewfedged before me Uel HFl SHH THEY executed the same for the pumem therein exprossud. WITNESS my hand and official seal in the County ofd Sim, aforesaid this August 22, 2007, My Commisslon Expires: Notary Publide store �T W ef Nolays Printeded Name (SEAL) 3 +iNetl.NP !(�� NFHOYA N.4pf �. MYupInErSIBN9 W3D3)I6 E%PISES iP, YmB .s{ ae.un,vw,Apt 12, e.aw THIS SECOND MORTOAGECSocudly lnetmmerr) Is given on September , 2003 The Second Mortgagor lei William & Rhlm Hilaire, Husband and Wife ('Borrower"). This Security inurement is given to Collier County ('Lendoe'), which is organized and existing under the Iowa of the United Slates of America, and whose address is 2000 North iforseahoo ➢rive, NeDlea, Flarida 34014 . Borrower owes Lender the sum of rive Trioumaad and No/SOOkha ➢ollara(U.S.$ 5,000.22J. Thladebtis evidenced by Borrowers Note dated the same dale as Ihls Security Insimmenl ('Second Mortgage'), which provides ler monthly payments, With the full debt, it not paid enrller, due and payable on Bale of groperty refinanan, or loan of homestead Somal ion . Thls Security tnstrument secures to Lender (a) the repayment of ilia dabs evldoncad by the Nate, with interest, and all renewals, extensions and modifications; (b) the payment of all other sums, with interest advanced under paragraph 7 to protect the security of the Security Instrument; and (0) the performance of Borrowers covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby second mortgage, grant and Survey to Lender the following described property located In Collier County, Florida. As more particularly described as Lot 24, Jubilation Subdivision, Collier County, Florida and which has lha addres l of ('Properly Address°): 1163 Serenity Nay Irnmokalear Florida 34142 TOGETHER WITH all the Improvements now or hereafter erected on the property, and all easements, rights, appurtenances, renis, royalties, mineral, oil and gee rights and profits, water rights and Stook and es features now or hereafter a pad of the propedy. All replacements and additions shall also be covered by the Security millennium, All of the foregoing is referred Win this Security Instrument as the'Property". BORROWER COVENANTS that Borrower la lawfully seized of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property Is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, Subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform covenants with limited variation by jurisdiction to constitute s uniform society Instrument covering real property. UNIFORM COVENANTS, Borrower and Lender covenant and agree asfollows; 1. Payment or Principal and Whereat; Prepayment and Late Charges. Borrower shall promptly pay when due the principal of and Interest on the debt evidenced by the Nota. ; 2. Taxes. The Mortgagor will pay all texas, asesvoYp�" e e liter w ter rates prior to the accrual of any penalties or Interest thereon. /§ v'' �I The Mortgagor shell pay or cause to be ga(d, a� same respectively o0ie, pe, (A)(1) all Incas and govermes ual chargee of any kind whatsoever which may at any time be lawiulfIf4 a sed or loviod against orwit asp eE to the Properly, (2) all utility and other chargee, Including'sorvlce charges", Incurretl or Imposed'for lb§pparalio , mrr� almonangg, use, pa cy, upkeep and Improvement of the Property, and (3) all assessments or other governmental ch //ties at y4 ally apan Ippppslallme sov r a period of years, the Mortgagor shall be obligated under the Mortgage to pay or cause o Is paidImam of ty a 1 sl s $arm reA fired o be paid during the term of the Mortgage. and shall, promptly alter the payment of any of th fore In gip) 0 au payment, 3. Application of Payments. UnI ss a II lots w rod l 15e7ya y ants received by Lender shall be applied; first, Ol Interest due; and, to principal duo; and last, t 99-B,,y to chs ea u u d r e Note F11) [[[ O e,7 4, Charges Liens. Borrower shat paV Iht ,a m �o urges na s cantons attributable to the Pro µ any witlnf ay attain priority over this Security Inslrumenl, n t� ahold payments or grow ante, f an .x rower shall promptly furnish blender all p notices of amounts to be old underthle arag}�_�, nil nilrecel is evldencil�� e y s. �rz Borrower shall Pompll dlsnhaP a anJJ,,)1 'rt Ich has �lorll over Ihlg ec ri) ,I( more unless Borrower: (a) agrees In writing C the payment of the obfige�on scoured by tie Ilenti� m mer ecpcaptabia to Lentle , ,j(t9 kpnJ4sIs in good faith the lien by, a tlefands again > m enforcement of the Iter In, legal proceetlinga whirh LyQttpe �dera opinion opampQ[e Ent the enforcement of the Ilan; or (a) saeuros fr ro m� the holder of the If. en agreement eallslaclory col.eArle�boTdinnOog)halleftyt�is ecurilylnetmment. If Lender dalermines that any roD� of Iha Propedyfs eLander may give Borrower a nodce Identifying thoe3Q D Borrower shall satisfy the Ifan ar take one or mote of ilia aatilrsc' "eUorltio within 10 days of the giving of notice. G) S. HozordorProportylneurnnce. Borrower shall keepihelmpmvementsnowexisting orhereafter erected onIlia Property ln*ed $+N against loss by fire, hazards Included within the term'extemled coverage' antl any other hazards, Including floods or flooding, for which LadOder D requires Insurance. This insurance shelf be mnlmained In the amounts and for iho pedoits that Lender requires. The insurance senior Iii r providing the Insurance shall be chosen by Borrower subject to Lenders approval which shall not be unreasonably withheld. If Borrower falls to M maintain coverage described above, Lander may, at Lenders option, obtain coverage to protect Lenders rights In the Property in accordance with paragraph 7. At all times that the Note Is coalescing, the Mortgagor shall maintain Insurance with respect to the Promises against each , c risks and for such amounts as are customarily Insured against and pay, as the same become duo and payable, all premtums In respect thereto, Including, but not limited to , ell -risk Insurance protecting the Interests of me Mortgagor and Modgagea against loss or damage to the Premises Z by fire, lightning, and other Seasonal; customarily Insured against (Including holler explosion, it appropriato), with a uniform standard extended coverage endoreemenh Including debris removal coverage. Such insurance at all times to be In on amount not lass then the lull replacement cost of the Promises, exclusive of footings and foundations. All Insurance policies and renewals shall be accepth bla to Lender and shall Include a standard mortgage clause. Lender shall have the right to hold the policies and renewals. If Lendof requires, Borrower shall promptly give to Lander all receipts of pnld premiums and renewal notices. In the event of lose, Borrower shall give prompt notice to the f emeare o center and Lender, Lender may make proof of loss II not made promptly by Harrower. Unless Lender and Borrower otherwlse agree In writing, Insuranco proceeds shall be applied to restoration or repair of the Property damaged, if the restoration or repair Is economically feasible and Lenders security is not lessened. II the restoo llon or repalr fa not economically feasible or Lender's security would be lessened, the Insurance proceeds shall be applied to the sums secured by the Security InsW ment, whether or not then due, with any excess paid to Borrower. If Borrower abandons the Property, or does not answer within 30 days a notice from Lender that the Insurancn carrier has offered to settle a claim, then Lender may collect ilia insurance proceeds. Lender may use the proceeds to repair or restore the Properly or to pay sums secured by this Security Instrument, whether or not than due. The 30•day, period will begin when the notice Is mesad. Unless Lender and Borrower obetwlse agree in writing, any application of proceeds to principal shall not extend or postpone the due data of the monthly payments referred to In paragraph 1 or charge the amount of the payments, It under paragraph 21 the Property Is acquired by Lender, Bonowera right to any Insurance policies and proceeds reuniting front damage to the Property pilot to the acquisition shall pass to Lender to the extort of the sums Secured by this Security Instrument immediately prior to the acquisition. B, occupancy, Proservallmi Maintenance, and Protection of the Property; Borrower's Loan Application, Leaseholds. Borrower shall occupy, establish, and use the Properly as Borrowers principal residence while sixty days alter the exaculion of this Security Instrument and shell continue to occupy the Property as Borrowers principal residence for at least one your after the date of occupancy, unless Lender otherwiso agrees In writing, which consent shell rat be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrowers control. Borrower shall not destroy, damage or Impair the Property, allow the Property to deteriorate, or commit waste on the Property, Borrower shall be in default t any forfeiture action or proceeding, whether civil or criminal, is begun that In Lenders good faith judgment could result in forfeiture of the Property or otherwise materially impair the lien created by this Security Instrument or Lenders security Interest, Borrower may cure Such a default and reinstate, as provided In paragraph 13, by causing the action or proceeding to be dismissed with a ruling that, In Lenders good faith determination, precludes fodslture of the Borrower's Interest In the Property or other material Impalrmenl of the lien created by this Security Instrument or Lenders Security Interest. Borrower shall also be In deiaus It Borrower, during the loan application prooese, gave materially false or marrieds information or statements to Lender (or failed to provide Lender with any material Information) In connee lon with the loan evidenced by the Mole, including, but not limited to, represenlaliona concerning Borrower's occupancy of the Property as a principal residence. It Itis Security Instrument is on a lenaehold, Borrower shall comply with all the provision of the lease, It Borrower acquires fee use to the Property, the leasehold and the too title shall not merge unless Lenderagrees to the mandarin writing. OSLO $000,00 3201452 OR; 3426 PG; 0652 0041 �j� n �3s.00 111111 - Lift LA AAC0000 10 the 0111CIA1 "C0100 of COLLIAA Coul", 1L AIC nA ggC-,35 -00 r' 17,50 AD 10/2113003 fit 0005AX 1311607 R AAOCA, CLAAA 35 SECOND MORTGAGE .x aasan: ss <x THIS SECOND MORTOAGECSocudly lnetmmerr) Is given on September , 2003 The Second Mortgagor lei William & Rhlm Hilaire, Husband and Wife ('Borrower"). This Security inurement is given to Collier County ('Lendoe'), which is organized and existing under the Iowa of the United Slates of America, and whose address is 2000 North iforseahoo ➢rive, NeDlea, Flarida 34014 . Borrower owes Lender the sum of rive Trioumaad and No/SOOkha ➢ollara(U.S.$ 5,000.22J. Thladebtis evidenced by Borrowers Note dated the same dale as Ihls Security Insimmenl ('Second Mortgage'), which provides ler monthly payments, With the full debt, it not paid enrller, due and payable on Bale of groperty refinanan, or loan of homestead Somal ion . Thls Security tnstrument secures to Lender (a) the repayment of ilia dabs evldoncad by the Nate, with interest, and all renewals, extensions and modifications; (b) the payment of all other sums, with interest advanced under paragraph 7 to protect the security of the Security Instrument; and (0) the performance of Borrowers covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby second mortgage, grant and Survey to Lender the following described property located In Collier County, Florida. As more particularly described as Lot 24, Jubilation Subdivision, Collier County, Florida and which has lha addres l of ('Properly Address°): 1163 Serenity Nay Irnmokalear Florida 34142 TOGETHER WITH all the Improvements now or hereafter erected on the property, and all easements, rights, appurtenances, renis, royalties, mineral, oil and gee rights and profits, water rights and Stook and es features now or hereafter a pad of the propedy. All replacements and additions shall also be covered by the Security millennium, All of the foregoing is referred Win this Security Instrument as the'Property". BORROWER COVENANTS that Borrower la lawfully seized of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property Is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, Subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform covenants with limited variation by jurisdiction to constitute s uniform society Instrument covering real property. UNIFORM COVENANTS, Borrower and Lender covenant and agree asfollows; 1. Payment or Principal and Whereat; Prepayment and Late Charges. Borrower shall promptly pay when due the principal of and Interest on the debt evidenced by the Nota. ; 2. Taxes. The Mortgagor will pay all texas, asesvoYp�" e e liter w ter rates prior to the accrual of any penalties or Interest thereon. /§ v'' �I The Mortgagor shell pay or cause to be ga(d, a� same respectively o0ie, pe, (A)(1) all Incas and govermes ual chargee of any kind whatsoever which may at any time be lawiulfIf4 a sed or loviod against orwit asp eE to the Properly, (2) all utility and other chargee, Including'sorvlce charges", Incurretl or Imposed'for lb§pparalio , mrr� almonangg, use, pa cy, upkeep and Improvement of the Property, and (3) all assessments or other governmental ch //ties at y4 ally apan Ippppslallme sov r a period of years, the Mortgagor shall be obligated under the Mortgage to pay or cause o Is paidImam of ty a 1 sl s $arm reA fired o be paid during the term of the Mortgage. and shall, promptly alter the payment of any of th fore In gip) 0 au payment, 3. Application of Payments. UnI ss a II lots w rod l 15e7ya y ants received by Lender shall be applied; first, Ol Interest due; and, to principal duo; and last, t 99-B,,y to chs ea u u d r e Note F11) [[[ O e,7 4, Charges Liens. Borrower shat paV Iht ,a m �o urges na s cantons attributable to the Pro µ any witlnf ay attain priority over this Security Inslrumenl, n t� ahold payments or grow ante, f an .x rower shall promptly furnish blender all p notices of amounts to be old underthle arag}�_�, nil nilrecel is evldencil�� e y s. �rz Borrower shall Pompll dlsnhaP a anJJ,,)1 'rt Ich has �lorll over Ihlg ec ri) ,I( more unless Borrower: (a) agrees In writing C the payment of the obfige�on scoured by tie Ilenti� m mer ecpcaptabia to Lentle , ,j(t9 kpnJ4sIs in good faith the lien by, a tlefands again > m enforcement of the Iter In, legal proceetlinga whirh LyQttpe �dera opinion opampQ[e Ent the enforcement of the Ilan; or (a) saeuros fr ro m� the holder of the If. en agreement eallslaclory col.eArle�boTdinnOog)halleftyt�is ecurilylnetmment. If Lender dalermines that any roD� of Iha Propedyfs eLander may give Borrower a nodce Identifying thoe3Q D Borrower shall satisfy the Ifan ar take one or mote of ilia aatilrsc' "eUorltio within 10 days of the giving of notice. G) S. HozordorProportylneurnnce. Borrower shall keepihelmpmvementsnowexisting orhereafter erected onIlia Property ln*ed $+N against loss by fire, hazards Included within the term'extemled coverage' antl any other hazards, Including floods or flooding, for which LadOder D requires Insurance. This insurance shelf be mnlmained In the amounts and for iho pedoits that Lender requires. The insurance senior Iii r providing the Insurance shall be chosen by Borrower subject to Lenders approval which shall not be unreasonably withheld. If Borrower falls to M maintain coverage described above, Lander may, at Lenders option, obtain coverage to protect Lenders rights In the Property in accordance with paragraph 7. At all times that the Note Is coalescing, the Mortgagor shall maintain Insurance with respect to the Promises against each , c risks and for such amounts as are customarily Insured against and pay, as the same become duo and payable, all premtums In respect thereto, Including, but not limited to , ell -risk Insurance protecting the Interests of me Mortgagor and Modgagea against loss or damage to the Premises Z by fire, lightning, and other Seasonal; customarily Insured against (Including holler explosion, it appropriato), with a uniform standard extended coverage endoreemenh Including debris removal coverage. Such insurance at all times to be In on amount not lass then the lull replacement cost of the Promises, exclusive of footings and foundations. All Insurance policies and renewals shall be accepth bla to Lender and shall Include a standard mortgage clause. Lender shall have the right to hold the policies and renewals. If Lendof requires, Borrower shall promptly give to Lander all receipts of pnld premiums and renewal notices. In the event of lose, Borrower shall give prompt notice to the f emeare o center and Lender, Lender may make proof of loss II not made promptly by Harrower. Unless Lender and Borrower otherwlse agree In writing, Insuranco proceeds shall be applied to restoration or repair of the Property damaged, if the restoration or repair Is economically feasible and Lenders security is not lessened. II the restoo llon or repalr fa not economically feasible or Lender's security would be lessened, the Insurance proceeds shall be applied to the sums secured by the Security InsW ment, whether or not then due, with any excess paid to Borrower. If Borrower abandons the Property, or does not answer within 30 days a notice from Lender that the Insurancn carrier has offered to settle a claim, then Lender may collect ilia insurance proceeds. Lender may use the proceeds to repair or restore the Properly or to pay sums secured by this Security Instrument, whether or not than due. The 30•day, period will begin when the notice Is mesad. Unless Lender and Borrower obetwlse agree in writing, any application of proceeds to principal shall not extend or postpone the due data of the monthly payments referred to In paragraph 1 or charge the amount of the payments, It under paragraph 21 the Property Is acquired by Lender, Bonowera right to any Insurance policies and proceeds reuniting front damage to the Property pilot to the acquisition shall pass to Lender to the extort of the sums Secured by this Security Instrument immediately prior to the acquisition. B, occupancy, Proservallmi Maintenance, and Protection of the Property; Borrower's Loan Application, Leaseholds. Borrower shall occupy, establish, and use the Properly as Borrowers principal residence while sixty days alter the exaculion of this Security Instrument and shell continue to occupy the Property as Borrowers principal residence for at least one your after the date of occupancy, unless Lender otherwiso agrees In writing, which consent shell rat be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrowers control. Borrower shall not destroy, damage or Impair the Property, allow the Property to deteriorate, or commit waste on the Property, Borrower shall be in default t any forfeiture action or proceeding, whether civil or criminal, is begun that In Lenders good faith judgment could result in forfeiture of the Property or otherwise materially impair the lien created by this Security Instrument or Lenders security Interest, Borrower may cure Such a default and reinstate, as provided In paragraph 13, by causing the action or proceeding to be dismissed with a ruling that, In Lenders good faith determination, precludes fodslture of the Borrower's Interest In the Property or other material Impalrmenl of the lien created by this Security Instrument or Lenders Security Interest. Borrower shall also be In deiaus It Borrower, during the loan application prooese, gave materially false or marrieds information or statements to Lender (or failed to provide Lender with any material Information) In connee lon with the loan evidenced by the Mole, including, but not limited to, represenlaliona concerning Borrower's occupancy of the Property as a principal residence. It Itis Security Instrument is on a lenaehold, Borrower shall comply with all the provision of the lease, It Borrower acquires fee use to the Property, the leasehold and the too title shall not merge unless Lenderagrees to the mandarin writing. 7. Protaothel of Lender's Bights In the Properly, If Borrower fails to perform the covenants Siid'eg amens milamild OhIs Strategy Inslm'an4 or them Is o legal preceeding that may slgnNeanily affect Lenders lights in the Property (much as a proceeding In bankruplcy, probate, for condemnation or rumpus or to enfomo laws or ministrant), then and may do and pay for whatever is necessary to protect the value of the Property and Lenders fights in the Property. Lenders actions may include paying any some so;uretl by a Ilan which has pdotlty aver this Seeudly Ins mem, eppeatlng in court, paying reasanablo eltorneys' fere and enledng on the Proparty to make repairs. Although Lotdor may lake action antler INs paragraph 7, Lender dolts not have to do eo. Any amauns tllebumpd by Lentler under this Para0raph7 shall baoome additional debt of Borrower son it by chis 9aau instrument. Unless Be war a ad Lender agroo tootherterma of payment, these amounts shall hear ra'.at lfam the date of dan"Remmenl at the Note rale and than bre Payade, with Interest, upon nonce Tram Lentler to Borrower requesting payment. B. Mortgage Insurance. It Lender might mortgage insurance as o inamtlon of making the loan secured by this Securlry Instrument, Borrower shall pay the premlumltrequlred to maintain the mortgage Insurance In affect 161oranyreeson, to me' lesuranco covamgo required by Lender tepees or ceases to he In final' Borrower Shall pay the Panel u... s required to Obtain coverage eubslemtally equivalent to the in .9.Insurance previously In often at al a coal substantially equlvalent to me cost to Borrower of the mortgage insurance pravlously In effect, from an alternate mortgage Insurer apProved by Londer, it substantially equivalent mortgage breacnco coverage(snot avallable, ti power shell Pay to Lender each month a atm equal to oma-twelgh of the yeul(y mortgage Insurenc s premium bola paI by Sonoran when the Insurance coverage lapsed or Conrad to be in effect Lender will accept, use and retain mese payments as a toes reserve In llou of mortgage Insurance. Loss reserve payments may no longer be required, at the apllon of Londer, if modgage Insumrxw covemgo (In the rmouni and for the period that Lender requires) provided by an insurer approved by Leader again becomes available and Is Obtained, Sortowar shall Pay the premiums required to maintain modgage InSumnoa In affect, or to provide a loan reserve, deal the Requirertent for mortgage insurance ends in decoration with any wmten amential betwomn Borrower and Lender or applicable law. O. rAMMI[an, Lander or its agent may make reasonable antdea upon and Inspections of the Peoporty, Larder shall give Borrasar no l u at the lima of or prior to an Inspection specifying reasonable cause for the inspeollon. 10. Cendomnut[on. The proceeds of any award or aloin for damages, direct or consequential, In connection with any condemnallon at other taking of any port of the Property, or for conveyance In Ilan of condemnation, are hereby assigned and shall be paid to Lander. mine event of a total laking of the Property, the proceeds shell be apppilod to the sums secured by this Socudry Instmmonl, whelharor not than due, with any excess paid to Borrower. In the event of a partial inking of the Property. in which the fair market value of the Property Immediately before the laking is equal to or greater than the amount of the sums secured by this Security Inmmment immediately before the laking, unless Borrower and Lenderothmwlse agree In wil the fume secured by this Security Instrument shell be reduced by the amount of the proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before the taking, divided by (b) the fair market value of the Plurally immediately before the taking. Any balance shall be paid to Borrower. In the event of a partial taking of the Property In which the fair market value of the Property Immediately before the taking Is less than the amount of the same secured Immediately for the taking, unless Borrower and Lendorotherwise again in writing or unless applicable law Spandau provides, the precoods shall bo applied 10 the sums secured by(his Sscudry lnsimment whether or not ilio sums are men due. Unless Lender and Borrower ethomhu agree In willing. any applioailon of praccads to principal shall not extend or postpone the due date of the monthly payments refined to In paragraphs 1 or change the amount of such payments. 11. Borrower Not Returned, Forbearance By Lander Ota-Welyer. Extension of the time for payment or modification of amadlzallon of the sums secured by this Security Instmme t g 1p byy[Lt mnc�e ny successor In Interest of Borrower shall not operate to release the liability of the original Borrower or Basic ,aVbygt nlRfdlJJs�shall not be required to commence proceedings against any successor in interest or refuse to extent e p ym Rtor alhots�ie yamanlzallon at the sums secured by role 8eoutlty Insimmont by (seem of any demand made by the bdn di4forrower or Banrowerse c an in Interest. Any forbearance by Leader in ezemlaing any fight or remody shall not be a wet or o r roc u a his pxordse of any ht a amedy. 12. Succesaom and Aselgnr SOUR ;Jo ILBBpp¢¢ "er Illabllltyf o-S[gn . acovenants and agreements of this Security Instrument shall bind and benefit the success a StampsbNO;" r1nd So war, au acct theProvisions of peregraph l7. Bartovrrs cave anis B a �pint V8yyyggg y8onowerwMco-slgnsmis Security InaWnwnt bN dealt tet execute iho Note:(a la 10 irryp slnd�r ilf,oh oda as, grant and convey that Bonavera interest In the Property under the terms of this Socud Ins eel; O I e 1 to ay tr auma Secured by this Security hamar m; and (a) agrees mat Lender and any other Be W a a 1(m fly, to a or ak any accommodations with regard to rho Immo of INS So ardly treatment or the Nota Warren t or era co ant. 13. Loan Chargee. If rho loan sect - §milt Security Inat'meat ubJe t to Ya' Nch tele madmum loan charges, and that law is finally Interpreted so that the Interest are Yl n chargee oelleoied orT e c )la i connaation with the loan axceotl the parrniged Ifair.,then: (a) anysuch loan charge sholl be to iho amount necesae pe 1 chamalo the permitted iim6; and(b) any sums already collected from Borrower which mcarded Ilmle will ba refunded to pdo r. Lender may choose to make Ihie rolundby reducing the principal owed under the Note or by mk(, r [ payment to fryy W�'pl 1 refund reducer pdnclpel, the reduction will be treated as a Radial prepayment without any propaymtrnF r(3�QNILq$ai�'"V� 14. Notices, Any notice to Borrower provided to frhhLLaa�1TT tic riQJ}�gg((�a m nt shell bo given by delivering it or by matting 11 by first class mall unless applicable law required use of anothmmet '7nerea s�lil»mrectetl to the Property Adtlrese or arty oareinddress Borrower dealgnates by notice to Lender. Any notice to Londer shall ba given to f7orrower or Lender when given as provided In this paragraph. [8. Governing law; Sevembillly. This Socudry instnmem slteli be govematl by fotleral law and the law of the judeMeffort In which the Property Is located. In the event that any provision or clause of Ihls 3ecudty Inslmmant or the Nole Oonfliala wire epplbeblo law, Bob conflict shall not affect othorprovisloneollhls Social 11 or iho Nole wldahoan ba given effect wkhout the conilkgng provislon. To this and the P OV18form of this Seoudty Instrument and me Nole aro declared to be aevemble. 16. Scrrowora Copy, Borrower slid)[ be given arm conducted copy of the Note and of this Security Inst'ment. 17. Tmnster. of tho Property or a Banelialal Interest in Borrower. If all or any part of Iho Propertyorany Inb rest in file sold or Irenmfened (erg a beneficial Interest In Borrower Is sold or tmneferred and Borroworle not a natural portion) without Lenders prior writtenconsent, Lender may, at Its option, require Immediate payment in full of all sums secured by this Security Instrument. However, this option Shall not be exercised by Lender If oxomias is prWilland 4 federal law as of the data of this Socudry Imanspont. It Lander orarolaed this option, Londer shall give Borrower notice of occupation. The police shall provide a period of not loss than 30 days tram the dale the notice is delivered or palled within which Borrower must pay all sums secured by this Security Inatmmant. It Borrower falls to pay those sums plot to the expiration of this period, Lander may Invoke any remedies permitted by this Security Instmmentwithout fudhar notice or demand on Borrower. 18, Borrower's night to Reinstate. If Borrower maple certain condillmns, Borrower shall have the right to have enforcement arms Security instmmont dlscongnued at any time prior to the eadlarol : (a) 6 days (or such other period as applicable law may spaclly for mmeatement) bolero sale of the Property pursuant to any power of sale conmrned in this Security lnslmmam; or (b) entry of a for mont enforcing Ihls Socudry Inawment. Those condlllon t am that Borrower. (a) pays Lender all sums which then would be due under rola Security Inelmmenl antl the Note as If no acceleration had occurred; (b) cures and default of any other covenants orapori menta; (c) pays all expenses Incurred in enforcing this Security Instrument, Including, but not Invited to, reasonable attorneys lees; and (d) takes such action as Lender may reaeonaNy mutual to assure that the Ilan of this Socudry, Inetmmenl, Leaders rights in the Property and Bonowere obligation to pay the sums secured by this Security lnsttment chat[ Colima unchanged. Upon reinstatement by Borrower, this Security Instrument and the obligations secured hereby shall renege fully affective as It an acceleration had occurred. However, this dghl to reinstate shell not apply In the use of acceleration under paragraph 17. 18. Solo of Note; Change of Loan Servicer. The Note or a partial Interest In the Nate gogolher with this Security instrument) may be sold one at more Ames withoutppdor notice to Borrower. Arno may result in a change in the antily(known as the'Lean Service") that collects monthly payments due utder the Note and this Security lnstmmam. There also may be one or more changes of the Loan Sorvleor unrelated to a auto of the Note. it there Is a change of the Loan Servicer, Borrower will be given watton nollon of the change In accordance wad paragraph 14 and applicable law. The notion will slate the name and address of the new Loan Sorel and the address towal payments should be made. The notice will also contain any other In/onaallou required by applicable law. 20. Hazardous Substances. Borrower Shall ail cause or permit the presence, use,disposal, storage, or lelaano of any Hazimoua Substances violin the Property. Borrower shall not do, nor allow anyone Oise to do, anything affecting the Property that Is in violation of any Environmental Law. The preceding two sentences shall not apply to the presence, into, or storage on the Property of small quantities of Hazardous Someone that are generally reoognlzed to be appmpdale to normal residential uses and to maintenance of the Property. Sorrower shall promptly give Lender wager, pollee for any Investigation, claim, demand, lawsuit or other action by any Governments[ or regulatory agency or private parry involving the Property and any Hmzurdous Substance or Environmental Law of which Borrower has actual knowirae. It Borrower lemma, or Is notified by any governmental at regulatory authority, that any removal clamor remadimion of any Substance agoeling the Property is Inimiu ary, Borrower shall promptly take all necessaryir�enY/M edltldN aWrari{11iJIV and the following sub: advent., materials Cc radioactive materials. (mated that Miele tot 21. Accelel oragroementinthis: nollce shall specity: 1 to Borrower, by whief In acceleration of the further Inform Borrow default of any other of -Hezafdous Subslancoe aro those substances defined as lexlC Of hazadlous substances by Environmental law gasoline, keroseno, other flammable or toxic pegolaum products, tole posticlden and herbicides, volatile asbestos or f000aMenydo, and d In this paragraph 20, 'Environmental Law' means (social laws and law. of the )udsdicllon where the Propenyls of ny or environmental protection. iomedles. Lender shall give notice to Borrower poor to acceleration following Borrowers breach of any covenant Instrument (but not prior to combustion under paragraph 17 unless applicable law provides Otherwise). The —.11. re1 a,. —a— --i'm m,n,m the defend: ret a dale. not less than 30 days from the date the notice Is given ) auto loaur( the di on of the notice notice, provided In this paragraph 21, Including, an not Bianca on, rea.onema eauumy —....-..-.--. 1.— ""_ I ......... 22, RWOI Upon payment of all aides secured by this Security, instrument, Lender shell roleaae thin Security lnBinm9m, without charge, to Borrower. Borrower shall pay any recordation costs. 23, Attention", Face. As used In this Security Instrument and the Not),'attenmye'foss' shall trotude arty ONOTTO e'less awarded by an appellate noun. 24. Riders to this Seo ditylnstruenon6 if one or more riders are executed by Borrower and retarded together with this Security Instrument, the covenants and agreements.. this Security Instrument as It h ddereements of each r(s) wauch nrera pad of this Security hatmshall be Incorporated into aunt a(Check Applicabll amend and supplement elBOX) tthe covenants ala [] Adjustable Rate Rider Rate Improvement Floor ❑ Condominium Rider ❑ Omduated Payment Rider "Fsmdy Rider ❑ Second Home Rider ❑ Balloon Rider ❑ Biweekly Payment Rider ❑ Planned Unit Development Rider ❑ Other(s) (specify SIBNINO BELOW, Borrower accepts and agrees to the terms and covenants contained In this Security Instrument and In any Odeon) invaded by Borrower and retarded with It. Blgnod, eo loid.end domid'ar 141v"sente of; STATE OF FLORIDA �� O) COUNTYOF,_S.nLy1,(�1 I hereby caditythat on this day, before met Tuly amtadze�(� 10 abresaid and in the county aforesaid to take acknowledgamems, personally appeared William & Rhlta tfP �e;`Jrif0 rjioba the Peterson) described In and Who executed the foregoing Insitument and acknowledged before me that (He/ she/ they) meardeddt�the same Im, (he purlcse therein expressed, WITNESS my hand and official heal In the County end State aforesaid this_LS"_day of—Odak-�.0/La. My Commisslon Eaphein N ry Pubilo's Signature (Seal) Notary's Printed Name aYP QRIUWAOiN1Y9ELL 1••••••• wxllaaP ONNAet ip�a4Pe4f i+ Gni tu+w FBM SZ 'vrrPFa cgINB9MW NeMam 0 o'ft`s n. ): NFA Of P rOA NYCGMMtsspv LMnnEG File#: 04-017 0� oGo SvxUPNnaVmA:%Z O.xVN�s.kwNN sm mon eo'n.6o-P NYoce4awxwle: Inca MzJUI)!,,n,?Ms 3018814 OR: 3077 PG: 2677 05(91717 110111C1AL 0500105 01 uta1111 CM, It 'tic n=n101 0712112102 at 12:1705 Him 1, eta, Cls 3733 Thodamf Troll .� N. 96CO21D 23ORTIAGN 011W 1311,71 Nupl Ste/ 34 a/ Re 1301.71 ue -.j/ 051 05.01 DOC•,31 MIS THIS SECONO MORTGAGE ('Security lnstrumenl'l i given on July �, 2002 The Socond Mortgagor is: 11}•,112 13111 kt0: Jose A. Flores S Ruth D. Cones, Husbandimdif ftt11 N ('Borroww'). This$county instrument is given to Collier County PICK j1LemerL which is organized and existing under the laws of the United Steles of Amoco. grid whose address is 1050 north Horsehoe Drive, 11175, In lea, Iloride 34014 . Boneworowea Lender(hAemaef a Yen g'h Usand ►iw BUOdrad and NO/100th¢ Dollaea (U.S�. This debt Is evidenced by Conifers Note dated the Seine date as UIs Sscudty tnsirvmane('Second Mortgage'), which provides for monthly payments, with the lull debt, it not paid eadet, due and payable on male of Dre9erty, refinance, or lose of homaateed eraastion . This Security Instrument secures lolentivr.la)th maymenl One debt ewdencvdbyme Note, with Interest, and all renewals, enenalOAS and modllkaders; (b) the payment of On other sums, with intereal advanced antler paragraph 7 to project the sacumy of the Seaudly Instrument; and (t) the performance of Borrower's covenants and agreements under this Security Instrument and the Nota. For this purpose, Borrower does hereby secoW mortgage, gram and convey to Lender the following described propadylovmedln Collier Ceenly,Fladda, Asmompaillculsdydesodbadat Lot 12, Black 9. Naples Muter, Unit 1, Collier County, Models andwhichheslhooddressoF. ('Properly Address'): 5137 Johne Street, HaDlaa, aloridef 34113 TOGETHER WITH all the Improvement new or hereafter arectod on the property, and all onsemenle, rights, appurtenances, ranks, loyalties. mineral, oil and gas rights and prolits, water rights and stack and all fixtures now or hereafter a port of the property. All leplacemems Of fulci lona shall also be covered by lho Security Inslmmonl. All of the roregomg is Island to In this Security Imminent as lhe'Propedy'. BORROWER COVENANTS that Banner Is lawfully seized at the estate hereby conveyed and has the right to mortgage, grant and convey the property and that the Properly Is uncncumbared, Oxcept for encumbrerlcas of retard. BonmwOI wanani , and will defend gersufay the title to the property against all claims and demands, subject to any encumbrances at word. THIS SECURITY INSTRUMENT oomblinas uniform covenants for national use and honwnllorm covenants wish limited variation by Jurisdiction to conslllule a unifomt $acudty Inslmmenl cOvedng reel li"Ay. UNIFORM COVENANTS, Borrower and Lender covens and agree as follows: L Payment of Principal and Interest; pnpyme0t and Lot Charges. Borrower shall prop ity pay when due the principal of ani hderest on the debt evidenced by the Note. 2.Texas. The Mortgagor will pay all taxes. aSHISSATEms Mau is or Water fetes poor to the accrual of any penautos or interest Thereon.�'.,(�p, The Mortgagor shall pay or cause to W paid, I ' hvely,'oa0p us. (A)(1) an taxes and governmental charges of any kind whatsoever which may Al any time be lawfully as:dNetl eAafnal enol Ito the Propody, 12) all utility and odarchatgAs. Including 'Service charges', Incurred or imposed for,llhgrin, malAtmenco, use, y, upkeep and Improvement of the property, and (3r' all aeseetmanie or other govemmenlol ohargeYlhagydWlY bepatdlninslellme is off eponod of years. the Mortgagor shall be ohlgatetl under the MortOege to pay or cause tofhUa(pp pa��chin lelimeelBre roqul�oal UO paid during the term of the Mortgage, and aneli, pramplly attar the payment of any of ihel ga g, lafw'e[dT M h pee evi ante ol3 h vacant. 3. AppllGllon o7Pgmentl, Unlea a c9bl e e at i to Ivad by Lender shell be applied; Bm6 to mtresl due; entl, to ptlnOlpAl tlue; end last, to my 14 c d e f n of . a, Charyul Ltfu. Borrower shell yet tut e,e e m ni, If e,o s rid PG Along attributable to the Pmperty which MY again priotlly over lhle Bsoudty lnslrvmvnl,s p 05111114. nts, at shall promptly fumish to Lender ell no0cea of emounte to be paid under ihls pemgr a reeei s evident - he no At BoaOwenhall pmmptiydlenhage any kh hes ptlodry averihls mad In §Iunless Borrower. (e)e0roas In vnitirp to iho paymentmthe obilpellon sWuredby the Ilan net accepleNO to Le lb a ,7 ngo0d1e1lhihelien by,or dOlaMlsageinal oniorcamonl of the Ian tn, legal places lnpa whk antloYe oWNon opera) (b fi b enlomement of Iha Ikn; or (e) secumsimm the holderot the Ilan an egreemsnl segefaclory loL or Itotdlneting the hen to lh i Instrument. it Lendmdetarmimsthatany Ped of lhv Propertyis eublacl to Allan whkhmsy adainp qq eT?iihh secedtyln 4Sy ember may give tsonowor a notice Marrying The lien. BatloWer shall tell ft the lien or lake one or more of the oq{�S �P h day sal lhoglvilg olnolke. S. HIM or Pi difimunnes. Borrowrrahelt Pd!.eI no n new extallrg ar hareetler elected onlhe Propedy Insured against toes by If ha if owlWedwlthinthetenn'axtendolcovorege a anyolbothezardc,imlWingll odeorlloodtrg,lorwTkh Lancer requires lnsuruwe, Th14 Insurance shall be melmalnad In the amounts and lot NB PedOde that Lender requires. The Insurance Order providing Ilia Insurance shell be chosen by Borrowersubjecl to Leader's approval which shall not be unreason daly withheld. It Borrower tails 10 maintain coverage de arrlbetl above, Lender may, at Lender's Opaon, etdmn cw el,00 10 protect Lenders rights In the Property In accordance wilhpuagraPh7. At All (Imes that the Nolo is outstanding, the Mortgagor shell maintain Interface with respect to the Promises Against such risks and for such amounts as ere customarily Insured against and pay, as IM same become due and payable, all palmums In respect thereto. Including, but not limned to.all•dak Insurance proomigthe Interests or the Mortgagor and Mongagea against less or damage to the Premisaa _ by fife, lightning, and other casualties ouMomadty Insured against (Including bettor explosion, It appropdme), with a umlotm standard extended coverage endorsement, Including debit$ mine") coverage. Such insurance at all times to be In an amount not test than the full replacement cost of the Preadult, exclusive OI footings and foundations. All Insurance petioles and renewals shall be acceptable to tender aad shall Include a Standard mortgage clause. tender shall hove the right to hold the policies And renewals. II Lender requires, Banower shell Promptly give to Lender all recolpls At paid premiums and renewal notices. Inihe event of lose, Borrower shall glue promfolmolce tolha Insurance cetterand Leader. Landermay makoproot of mss It Aril made Q promptly by Sonower, Unless Lender and Romewef ollefflee Rome le writing. [assurance proceeds shall be SWIM to restoration or repair el the property p damaged. 11 the r6elaration or repair Is economically feasible and Lenders SfWdty if nnllaSRAAed. IllhoreslethCQMJrmpakhriaT .J oconorokelly feasible or Lenders security would be iestaned, the insurance proceeds shall be applied to the sums secured bythe Security `B Instrument, wholheror not than due, with any excess paid to Borrower. (f Born rabandmtheprupemy,momsmIanswerwghin 3o de a notice from Lander that the Insurance carder has offered to sett a claim, then Lender may collect the Insurance proceeds. Leader may us 1 the proceeds to repair or restore the Properly or to Pay sums earned by this Secungy Instrument, whether or net Ihon due. The 0o day period % o will begin when the notice is mailed. Unless Lender and Borrower otherela , agree In writing, Any Application of proceed$ to principal shell act extend or postpone the due date of the monthly payments relerned to In paragraph l Or change the amount of the payments. U Under paragra 21 the Properly Is acquired by Lender. Sommers right to any laurancepolicies and proceeds resulting from damage to the property prior to ti the acquisition shall pass to Lender to the extent Of the sums amand by this Security InsUumaAl immediately prior to the Acquisition. 6. Occupancy, Mtlntenamt and PnhNlOn of the PropartyiBgiewlW Lan ApWloABon, LeaaeAoldh 11 Occupy, Astablleh,anduse The Pwonlyae BOU"I's pdnciP41 reeldence within sixty days aflerthe execution of this Security dnslmmmnt elM SAY¢. shall continue to occupy the pw9dy asBonower$pdmlpefro$Idellca for at leas( one year after the date of occupancy, umess leader Q olhuwlse Agrees in wining, which consent shall not be unreesonablywlihhaM, or unless extenuellrg cimumstlltba axtstwhlch are beyond O Gallowses control. Bofrowu shall not destroy, damage Or Impair the Property, allow the Propedy to dModorate, or commit waste on the Pmpsny. Borrows, shell be In default 11 any iodeaure action or proceeding, whether civil or criminal. Is begun that In Leaders good high e fudgmanl could result In fanatical of the Property orolhomise materially Import the lion created by this Svcudty Instrument or Landers secudry interest. Borrower may more such a default and reinstate, as provided In paragraph 18, by Causing the action w procoadirg to he dismissed Win a rating that, in Lenders good Ialth determination, precludes fodeilOre OI the Borrowers interest In the Property or othermt l Impeimienl of the gi roefee bylht county lnelrvmenl Or Lentleta security interest. Gatrowar ahsll also Oe N deleuli It Bottowen during the loan apWkegert pa, gave materially tales orinaceurete InlotmaVon orelatamanl$ to Lemkr (orlelkd to pmwde Lender wile any materiel Inlormelion) in aolan with the loan evidenced by iha Nota, IlnlWirq, tom no111mta1 to, reprosenlstkna aonseming Bgmwera ocauperny of the Property aelPataidence.IfthifBarrower acquiIINe 10 N$ pmpedy, lea Ieeaehetd end IM leg lilt shall rel mage unless Lender egress lolhe merger IA writing, OR: 3077 PG; 2678 7. Protection of Landu's Rights In the Properly. It Borrower tails to podomt the covenants and agreements contained In this nshoora 1, or there Is a legal proceeding that may Significantly affect Lenders rights In the Property(such as a proceeding in III, probate, for con lamnallon or fodelone, or to enfome laws or regulations), Then Lender may do and pay for whatever Is necessal a value of the Property and Lenders figure In the Property. Lenders actions may Include payneg any sums secured by a Ilan Shot Allhough Lender may lake action under this paragraph 7, Lender does not have to don. Any am Bunte dishureed by Lenderomder this paragraph 7 shall become additional debt of Borrower secured by this Security Instrument. Unless Borrower one Lender some to never terms of payment, those amounts shall bear Interest from the date of disbursement at Ilia Note rate and shell be payable. with Intoma , Won notice from Lender to Borrower requesting payment. 6. Mortgage Insurance, Il Leder required mortgage Insurance as a condition of making the loan secured by Into Security Instrument, Borrower shall pay the premiums required to maintain the mortgage Insurance Inellooe It, for any reason, the mortgage inseane coverage required by Lender lapses or "aces to be in offset, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the mortgage Insurance previously in offset, at a cost substantially equivalent to the coal to Borrower of the mortgage insurance previously in effect, from an alternate mortgage Insurer approved by Lender, it substanlial"Quivalent mortgage Insurance coverage is not available. Borrower shall pay to Lender each month a sum equal toone•Iwolilh of the yearly mortgage insurance premium being paid by Bormwerwhen the nsurati uo0v ratio lapsed oraea9ed lobe In affect. Lender will accept. use and retain these murnams as a foss roseNe In gall of mortgage Insurance. Loss reserve payments may no longer be required. at Option at Lender, if mongago Maureen coverage (in the amount and for the period that Lander requires) provided by an Insurer approved by Leader again becomes available and is obtained. Borrower shall pay the premiums required to maintain mortgage Insurance In effect, or to provide a lose reserve, until the requirement for mortgage In*nranso ands In eUCIXdm air With any Milan agreement WlWeee Borrower and Lender at applicable law. V. Inapeetiam Lendavol Ila agent may make reasonable minas upon and lnspucllons of the Property, Lender shall give Borrower notice at the time of or prior to an Inspection *pacifying reasonable cause for the Inspection. event of a total taking of the Property. The proceeds shall be settled to the sums secured by this Security Inswment, whether or not time due, tae reduced by the amount of the proceeds tekm%divided by let the lair market value unless 0ornewor and Lender otherwise agree In writing or unless applicable law a onrlse provides. The proceeds shall be applied to the sum secured by This Security instrument whether or net the sums are then due. Unless Lender and Burrower olhewisa agree In writing, any application of mccesde to principal shall not extend or poalpono the due data of The monthly payments terminal to in paragraphs 1 or change Ills amount of such payments. 11, Borrower Not Released. Forb•ennca BY Lender N or, Extension of the lame for payment or modification of amortization of the flume aodurotl by Ih16 security In5lruma ipig py 'e r y successor In Interest of Borrower shall not reasons to release the liability of the original Borrower or Borrower uc b �k4"' - shall not be required to commence proceedings against any engrosser in interest or refuse to extend tI ay mentoromeZile i(y• in ruzation of the sums secured by this Security Instrument by reason of any demand made by They orrowera Bmrowerss io ininleresl. Any forbearance by Larder in exercising any right or remedy shall not be a woiF rot yyf u a aha exercise of any n l of reedy, 12, 6uaress0rs and Assigns Bonnyp Jot Ie as" Nd&billly- Big covenants and agreements of this Security Instrument Shall blvd and benefit the successoJa an a*in no 1'4 anJprvgndgotrwor,sub it the Ir the terms 01 in1898rnglis nI; )I no p09 n IIyO 1B4 1 yt eBumssecured mondythis Sweaty to Tom L$nde and en other Bor a y,lo e r ka My ereammafailons with rtgatd to melee mmenl or the eta without lizr s con ore.umeml ) to hlch gals maximum loan charges, and that charAes CdIBCi'd Or 1 C necllar with the [on exceed the pemdiletl each loan enema obeli w r d, v the amount neweeary t charge to [be permitted limit: and (b) any sums 14. Notices. Any nogoe to Borrower provided for ThilgeSdcddty% ther�nt shall be givenbydefteming it or by mailing troy first class mail unto$$ applicable law required use of anothermelho0. TPe Co shag be dewed to the Ptolemy Addres or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given to Borrower at Lender when given as movidod In (his paratrap 16, Governing Level SSWnWlily. This Security Inawmsia shell be gravamen by federal law and the law of the jurisdiction In whk the Property is located. In the event that any provision or Clause of this Security MSmMg rel or the Note conflicts with applicable law, such conflict shell not affect other provisions of lm$ Snugly Instrument or the Nota which Can be given effect whhod the conflicting provision. To This and The provisions of the Security Instrument and the Nola are declared to be amenable. 16. HoNl wor's Copy. Borrower shall be given one conformod copy of The Note and of this Security Instrument. 17. Transfer of the Property at a Beneficial Integral In Borrower, II all or any pen of The Property or any inlemm le It is sold or transferred (or It a beneficial Internet in Borrower Is sold or transferred and Borrower Is not a natural Bernard without lenders prior merger If Lender exercised this option, Lender shell give Borrower notice of acceleration. The notice share provide A period of nor less than 30 days Tram the dela the notice Is delivered or malted within which Borrower must pay all sums secured by this Security Instrument 11 Borrower falls to pay these sums prior to the explranon of this period, Lender may Invoke any manages permitted hytflis Security Instrument Witham higher nonce or demand on Borrower. 16. Borrower's Night to He state. II Borrows memo certain conditions, Borrower shall have the light to have enlomement If He Seemly Instrument discontinued at any Time prior to the cantor of! (a) 6 Jays (or such other period as applicable law may sporty tot reinstatement) factors sale or the Properly pursuant to any power or sale conlalned In this Security Instrument; or (b) entry or a judgment enforcing this Security Instrument. Thula conditions are that Borrower; (a) pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred, (of care* and default of any other covenants or agreements; (c) pays all expenses recurred In enfommgg this Snugly Instrument,Includingg, but not limited to, reasonable attorneys loos: and (d) lakes such action as Lender may reasonably require to secure that the had of this Security in*Irum ml, Leaders fights in the Property and Borrowers obligation to pay the sums secured by lids Security Instrument shell continua unchanged. Upon numalalamernt by Borrower, this Security Instrument and the obligations secured hereby shell remain fully effective as It no acceleration had occurred However, this light to reinstate shall not apply in the case of acceleration under paragraph 17. 19. Ban of Notal Change of Lean Sarvlror. The Note or a partial interest In Ina Note (Together with M15 Security Instrument) may be sold ane at mon Innes wllhout prior notice to Borrower. A solo may result Ina change in the entity (known as the'Lome Servicer') that collocla monthly payments due under the Note and this Society Instrument. There also maybe one ormare changes or the Loan Somicar unrelated to a sale of the Nola. If there Is solvents of the Loan Servicer, Sonowm will be given written notice of the change in accordance with momaraeh 14 and epollcable low. The calico will *late the name and address of the new Loan Servicer and the address to which oavnrents I. The notice will also contain any other lnfommtlon required by eppiloeble law. wardens HWstanwa, Borrower *hall not cause or permit the presence, nee, dispose, storage, or release of any Hazardous ortnlho Property. Borrower shall not do, rmrallow anyone also to do, anything affecting the Property that is in violation of any me actual any OR: 3077 M 2674 cling the Property Is necessary, Bormwar shell promptly take all Moeseary mmedmi actions In accomence with 20,'Hoyardns Substances' are Thos, substances defined as toxic or hazardous subslams by EnNr011nl0nlal Law m.. aasnnna. Rarosene. other llammablc Or toxic polmloum products, toxic pesticide$ and he idea, Wallis 21, Ai or agreement in Miles shell spa FM, an ❑ AdjuslaWS Hate Rider Graduated Payment Most Balloon Rider Other($) (Specify Lew' means federal law, sad (ews of the Wdsdlclln whom the Propohy Is Borrower prior to acceleration lullovdng Banwal's breech of any cov'enam s underoarooranh V unless eppilcatle law provides otharwlsof. The to reinstate anal acCelemtlM mm ins nam ry ua>o,1 u•o- I------" . --' - - rawertoacceleratfonandforeclosure• Il the default is not cured n of before the data specified (A the notice, ryjudicial proceedingment In ' Lender shell be l of all sums need to collect all xpenseIncome Mimedfurthertie remedies nd and y Iding, but MI limited lo, reasonab•a attorneys tees and costs of the title oviklam . Mut of all gums secured by this Security monument, Leader shall release this Security Instrument. without ul pay any mcamallon CUBIC. s wed In Ibis Sacudty, Instrument and the Note,'ailomeys' lees'shell IMlutle any flllomeys' lass awarded by dryim RM,,ot. 1l ora or mom Odom am executed by Ba"Wer and nc. eltop elerlFsathis Sneerer HFrom Improvement Rider Condominium Rider 1.4 Family Rider rr11 Second Home Rider Biweekly Payment Rider U PlanMd Unit Development Rider STONING BELOW, Borrower accepts and $areas to the forms end covenants camel-00In IN, Seventy instrument am In any rider(s) oxeculed by Borrower and recorded with It, Signed, sealed aryl dalivarod in the presoMO of:^, t/ 'R (n s'L`I. r A STATE OF FLORIDA r� O COUNTY OF n&UL G I hereby Comfy that on this day, belare rM, 0.1�r ulyeuthads iG 1J Iarea9ld and m the contyaloresaidto lake ocknowledgemanlo,peraonairy eppnred Jago A. Flom, HW� nown lobe the poison($) described in and who executed the foregoing instrument and acknowledged before me that (Hal Shot they) exeouled the same for the Pu1POse therein expressed. WITNESS myhand and official 0901 In the County and state afomseld in _g,!:-deyol20�• My Commieeton ENnms:A�'°�"F'E�^; NOW, Publb'e Slgnelu��SG/L 1F K (Seal) Notary. Fri Neme AA SO MY AKCTE VORA AR REYS IN11:7 N O.1)00 Sa0N P. File#: 02-247 Pilo No.; 202050121 ' •' EXHIBIT "A" 0 LOT 12, BLOCK 9, NAPLES MANOR, UNIT I, ACCORDING TO THE PLAT THEREOF, OF RECORD IN PLAT BOOK 3, PAGE(S) 57, OF THE PUBLIC RECORDS OF COLLIER COUNTY, FLORIDA. x k pM O CAN O J J b fa7 N a* OO O k 3! st 51 RRL CORMI) 52OPIICIA,RSCORDS f COI370 R IR COOAII,It 02/08/2005 at 12;231R 0111. BROCR, C6BRR SECOND MORTGAGE OBLO 10000.00 OBLI 10000.00 r„v,.ariiCAN HERtiijc- is t is RBC 188 21,00 9696 BONITA B r:CH ROAD BOC•135 35.00 S(:;T.+' T.09 Reth: BONITA Ft. 3''-105 ARBRICAR HSRITAOB T1TL8 t4rQs 9696 BOHM BBSCR RD 1209 i� BOHITA RINGS 16 A135 8302 THIS SECOND MORTGAGE ("Security Instrument") Is given on December'} f , 2004. The second Mortgagor Is: Marie I. Dedula, A Single Person, Joined by Ludne Augusto. A Single Period Cameavee). This Security Instrument is given to Collier County ("leader'), which Is organized and existing under the laws of the United Slates ofAmedoa, and whosn address is 2800 N-Eth H r h Drive 1400 Naplae, r1orida 34014 . Borrower owes Lender the sum of TO, Thou It und 14o/100ths Dollars (U.e.i 10 A00.00 3. This debt Is evidenced by Borrower. Note dated the same Fain as this RWUAtY lastramant ("Second Mortgage'), which provides for monthly responds, will the full debt, 0 net paid easter, due and payable on dale of 12 party, sef tnsnca or loan of homeatead exemption . This Security Instrument secures to Londer:(a) the repayment of the debt widened by the Nola, we. Inirosl, and ail renewals, extensions and mdi7cailons; (b) the payment of all other sums, with Internet advanced under paragraph 7 to protect the Instrument and the Noe. For this purposor the e. Instrument; does hereby the secoo d m� of Borrower's d coney to and the following described pragreements under this operly Mooted In gaga, grant and convey Collier _County, Florida, As here partimllady described as Lot 18, Timber Ridge, Unit Ono, Collier County, Florida and which has the address of ("Property Address-): 2733 Eden Avenue Immokalee 64. 3d1d2 TOGETHER WITH all the improvements new or hereadur erected on the property, aril all easements, dghle, appurtenances, renis, royalties, mineral, oil and gas rights and profits, water rights and Stock and ail bdures now or hereafter a pad of the properly. All replacements and additions shall also be covered by the Savory Instmment. All of the foregoing Is referred to in this Security Instrument as the "Properly'. BORROWER COVENANTS that Bmmwerls lawfully seized of Na once hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Bo mmorwxren s, and will defend generally (he tills to the Property against all claims and demands, suq)ae ppypRc70n yaws of and no. THIS SECURITY INSTRUMENT cemblin If n se and non-unifartn wvenenla with limned variation by Mutation to consulate a uniform security, Insured t'Son rprope . UNIFORM COVENANTS. BOnower en U venaNand agreesIt�1 - s 1. Payment of Principal and lnrea,P yment and Late Charges. no shall promptly pay when due the pdnclpal of and Interest on the debt evidenced by the Note. 2. Taxes, The Mortgagor will pay tax 'R OR as ower r n or wade cot prior to the accrual of any penaWes or Interest the eon. The Mortgagarahall paymcause obs a 11 o e ue,()(1)all lanes and govemmontel charges of any klndwhalsoovorvAr!on may at anytime be l ul a ass le g r Us sp 11 the Property, (2) all u011ry and alba charges, Including'mavice charges Incurte0 or Im a t so shill n m I e rice, u a, co ttgc , upkeep and Improvement of the Property, and (3) all assessments or ocher gdva mental he riiay ul pa In in it n r a period of years, me Mortgagor shall be obligated under the Mortgage to pay or taus o paid only such lnalellm as er Ir to bom�lduring the term of the Marriage, and shall, promplly ager the payment of any of In 0 Ing, forward to Mmtq d a pits pay S. Application of Payments. Niles life law providing also e, II eyp) ata received by Lender shall be applied; first, to Interest due; end, to principal due; and lest, to a to arBos duo under the No U 4. Charges; Liana. Borrower shall pay as to chs Afire rid impositions attributable to the P(OPdy which may olein priority over this Security InslmmenL antl leas p nisocgsm�nl ,dg)� any. Borrower shall promptly lumish to Lender all actions of amounts to be paid under this paragmph, ed BII �el(idq,�r0 payments. Borrower shall promptly discharge any ilenwhich has deity-averI a3ecudty Instrument unless Bnpawar:(a) agrees In wrung to the payment of the obligation secured by the lien In a manner acceptable to Lender; (b) contrite In good faith the lien by, or defends against enforcement of the Ileo In, legal precoedirgs which In the Lenders opinion operate to prevent the enfo rogranlof One Ilam, m (c) secures from the holder of the Ilea an agreement ssnafamory to Lendor subordinating the Ilan to this Security Instrument. If Lender detm Anes that any part of the Properly Is subject to a lien which mayatlato priority Override Security Instrument, Lender may give eertewm a nation IdenWng the lien. Borrower shell satisfy the Ban or take one or more of the action at fads above within 10 days of the giving of nonce. 6. Hazard or Property Insurance. Bormwershall keep the improvements now existing orlmeafter erected on the Property insured agelrwl toss byflro, hazards Included within the lenm "extended coverage" and any other hazards, including floods or flooding, (or which Lender requires insurance. This insurance shall be malmOlned In the ameuns and for the parade that Udermqulres. The insurance carrier providing Iho Insurance shall be chosen by BonowersubJecl to Lenders approval which shall not be unreasonably withheld. If Borrower falls to maintain coverage described above, Lender may, at Londor's option, obtain coverage to protect Landers rights in the Properly In accordance with paragraph 7. At all times that the Note is outslandhg, the Mortgagor shell maintain Insurance with respect to the Premises against such sake and for such amounts as arecumomadiy insured agarol and pay, as the same become due and peyalnstlollall a premiums llrespect es ctttthereto, Including, bud not limited to, eii•dsk Insurance promoling the Interests of the Mortgagor and Modgagae a8 nises by fire, lightning, and other casualties customadiy Insured against (Including berm explosion, If apprapdate), with a unliben standard extended coverage endorsement, including debris removal mlvemge. Such Insurance at all times to be in an amount not less than the toil replacement Mgt of the premises, exclusive of (entrails and foundations. a Gauss Lentlmshall have All Insurance policies and renewals shall be acceplabla to Lender and shall Include as(andard mortga0 the dghl to hold the policies and renewals. If Lender requires, eomevershall promptly give to Land" all recalpls of paid premiums and renewal notices. In the event of loss. Borrower shell give prompt notice to the Insurance cnMar and Lender. Lender may make proof of loss if act made promptly by Borrower. Unless Lender and Borrower otherwise egrea In writing, Insurance proceeds shall be applied to reetaraOon or repair of the Property damaged, if the restoration or repair isecerromlcallyfeaslble and Lenders seeudly is not lessened. iftherealoranonorrepalrlsret ecmcmically feasible of Lenders semtdly would be lessened, the Insurance proceeds shall be applied to the sums secured by the Security instrument whether or not than due, with any excess paid to Borrower. If Borrower abandon$ the Property, or dove not answer within 30 days a notice from Lender that the Insurance carderhas offered to made a claim, than Lender may collect the Insurance proceeds. Lentler may use the proweds to repair or restore the Property or to pay sums secured by this Security Instrument, whether or pat than due, The 30 -day pard will begin when the notice is malls. Unless Lender and Borrower otherwise agree in writing, any application of pmcoods to principal shall act ewe.,d.,...•."r,,,,.,.. in,, dim dela fir In. mantra, navmenis referred to In paragraph 1 or change rho amount of the payments. If under paragraph occupy, ealimIlSh. and use the Property shall continue to occupy the Property as Othemdse agrees m writing, which cans, Borrowers control. Borrower shall not Property. Borrower shaft be in default if Judgment coOld result In forfeiture of the Bonew rshall Instmmentand ,a Lender god faith Lenders samilty OR; 3730 PG; 2397 interest. Borrower may cure such a default and reinstate, as provided In paragraph 18, by causing the schen or proceamng ro tie wsmwsse with a ruling that, In Leaders good faith determination, pro bu his forldhi a of the Borrowers Interest In the Property oroNer material impalement of Bre lion created by this Security Instrument or Lenders Smelly Interest. Borrower shall also be in default H Borrower, during the ban application process, gave materially false or inamorata Information or statements to tender (or felled to provide Lender with any material Information) In comeallon with the loan evidenced by the Note, Including, but not limited to, representations concerning Hefowers occupancy of the Property as a principal residence. If this Small Instrument is on s Imsehokl. Borrower shall comply with all the provision of the lease, If Harrower acquires fee tide to the Property, the leasehold and the fail rule shall flat merge unless Lender agrees to the merger In writing. T. Protection of Landara Rights in the Property. if Borrower fails to perform the covenants and agreements Watched In this Security Instrument, or there is a legal proceeding that may slgrincanlly affect Lenders aging In the Property (such as a proceeding In bankruptcy, probate, for condemnation or Ioffial ure or to enforce laws or regulations), then Lender may du and pay for whatever is necessary to protect the value of the Property and Lenders rights in the Property. Lenders anlers may Include paying any sums secured by a Ilan which has priority over this Semdly haimmenl, appealing In mud, paying reasonable alu mays' fens and entering oa the Property to make repairs. Although Lander may lake action under this paragraph 7. Leder does rut have to do so. Any amounts disbursed by Lender under this paragraph 7 Shad become additional debt of Borrower secured by this Semdty Instrument. Unless Borrow" and Larder Some to other terms of payment, these amounts Shall bear interest from the date of disbursement at the Note rale and shell her payable, with Interest, upon mrUce from Lender to Borrower requesting payment. 8. Mortgage Insurance. If Lender required mortgage Insurance as a condition of making the loan severed by this Security Inslmment, Rormver shall pay the premiums required (o maintain the mortgage Insur nm in effect. If, for any reason, Ne m ftgaga Insurance oovemge required by Lend" Imaes or ceases to be In affect, Borrower shall pay the premiums required to obtain coverage substantially equivalent to Ne rta09090 inaumnoe previously In effect, at a cost Substantially equivalent la the mal to Borrower of the mortgage Insurance previously in affect, from an alternate mortgage Insurer approved hyLender. If substanllaily equlvafent meLgege Insurance coverage (s ret available, Borrower shall pay to Lollar each month a sum equal to one{weldh of the yearly mortgage Insurance premlum being paid by Borrower when the Infamous, coverage lapsed or ceased to be In effect. Leader isdo amep4 use and retain these payments as a loss reserve In lieu of mortgage Insurance. Loss reserve payments may no longer be required, at the option of Lender, If mortgage insolence coverage tin the amount and for the period that Lender requires) provided by an Insurer approved by Lender again becomes available and is obtained. Borrower Shall pay the premiums required 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 at pplicable law. g. Inspection. Lender or Its agent may make reasonable an(des upon and inspections of the Property, Lender Shall give Borrower notice at the time of or prior to en Inatmiu on spec fying resemble cause for Na Irepeclion. 10. Condemnation. The proceeds of any award or claim for damages, direct or consequential, In connection Sigh any malformation or other taking of any part of the Property, Offarconveyanm In lieu of condemnation, am hereby assigned and shall m paid to Landau In the eartower and lenderoltawAse agree In writing, the suns secured by this Security Instrument shall be reduced by the amount of We procooas momplled by the following fraction: (a) the total amount of Iia summa Immediately before the taking, divided by (b) the fair marketvalua of the Property Immediately before Ilia taking. Any balan y r. In the event of a Potosi hiking of the Property in which the fair market value of the Property bo nuflatefy hero( t 1 1 ung of the sumo emerge immediately for the taking, unless Borrower and Lender othalwlae agree in wdq applicableprovides, No proceeds shall be applied to the Sums secured by this Security lnstomentwhelheror n YtHa, acre then due, Unles da nd Borfowm otherwise some in writing, any application of proceeds to principal shall nor am no ipone the due tlale of the nlhd aymonls (eferred to in paragraphs i at change the amount of such payments. 11. Borrower Not Released, Fa are 4 tl@@rN aWalve Extens not he time for payment or modification of amonizalion of the sums secured by this 5 yrity n4 conn rA qp aadgr espy rIn Interest of Borrower shall not oPemte to ml�se Ne tabilily of the-iotroatilt l earcower Bo e s 1r�a'p(u{n n ,stfld s alio t be required to mmmenm pomedngs against any successor In interest or refuse t ed d met. ea o s s fY n me Ization of the sums secured by this Security Inspearegnt by meson of any demand made d Qrr w r o ars as Internet. Any forbearance by Lender In exercising any dghl or remedy all 11 not be a r precltde' a a of g ady. 12. Sgcceeaomand Aealone Bo Int and Several Liabili Co•S one a reversals and agreements of two Security InsWmenlahaii bind a one art the so assigns of Lender and w r, lathe Provisions of paragraph 17. Borrowers coven agreements shall be )a fi d . Any Borrower who co-slgns this Security instrument but dean not execute the Note,,(a)Is fg lits Semdty lnsWmen oagage,gmnt end renvay that Borrowers lnlerasl tons of this Securitylnf his not PemonaiI i or make opay the sum secured by this Security lnsirumanl; In the Property under the antl (c) agrees that Lender and any other Bell m r and -r ,oYV ar any eCmmrtwdalion6 with regard to the terms of this Security Instrument ar the Note without that eo nit`. 13. Loan Charges. Iflhe loan Second by Nis Som slmm aSubject to afew which sots maximum ban charges. and that lax Is finally Interpreted so that the Interest or run low charges collected or to be collected In co0mation with the loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount neceasery to reduce the charge to the Permitted limit; and (b) any sums already collected tram Borrower which exceeded permitted limits will be refunded to Borrower. Lender may chmsa to make this refund by reducing the principal meed under the Note or by making a fired paymentlo bestowal. [to refund reducing loWpal, the reduction will be treated as a partial prepayment without any prepayment charge under the Note. 14. Notices. Ann, notice to Borrower ofovlded for in this Socially Instrument shall be given by delivering It ar by mailing It by that Borrower Is. Go ter in noose to Lembi Any nonce to Lee distnumshall be hallo to Borrower or Larder law n divan as of theodlu this paragraph. 1ty Covnmiegtaw;Bovambtay. ThisProvision, Security Instrument shallbo governedbyfederallaw and the law win a placable law. such wilds the Praphall is located. to the event Net any provision In trument orthis h Note which can be en Nolo coithouters wllh applicable rovi ouch conflict shall re affect other Security of this Smudgy Instrument or the red t which cert be gluon offer without the eonfiinirg provision. To Nis end the provisions a this Semdry Iwer shall and the Nolo are declared to be severable. 16. Borrower's Copy. perlyor shall be Interest ono conn Borrdmpy of the None pollnd ofhis he Plop lly lnsWment. 17. r If a ben of the Property or a eefl s sold f rr Borrower. If all or any pan of the Property or any Interum in itren Is sled or transferred (or If may, at its Interest In Borrower Istoldy transferred and umsseciseiba annual this security Landerspoors-pu vaillen mnsenl, Lothar may, sl its option, requtre Immediate payment intuit of oil sums secured by this 3ecumy lnsWment. However, this option shell not be momisod by Londe if exorcise is prohibited by federal law as of the date of this Semdty Instrument. If Lender exercised this option, Lender shag give Barringer Make of acceleration. The notice shalt provide s period of not less than 30 days from the date the notice is delivered or makod within which Borrower must pay all sums secured by this Semdty Instrument. If Borrower (alis to pay these sums prior to the expiration of this period, Lender may Invoke any remedies permitted by this Security lnsWment without further noose or demand on Harrower, 18. Bormagn's Right to Rebates. If Borrower meets certain conditions, Borrower shall have the night to have enforcement of this Security Instrument discontinued at any time prior to the sailer of: (a) b days (or such other period as applicable law may specify for reinstatement) befom sale of the Property pursuant to any power of sale contained in this Socurity instrument; or (b) entry Of ajudgment enforcing this Securly Instrument. Those condlouns am that Safflower (a) pays Lender all sums which then would be due underthis Security Instrument and the Note as if no acceleration had occurred; (b) cures and default of any other ,vansms or agreements; (c) pays all expenses Incurred In enforcing Uns Security Instrument, Including, but not limited to, reasonable attorneys fees; and (d) takes ouch onion as Lender may reasonably require to Secure that the Ilan of this Security Instrument, Lendare rights in the Property and Borrowers obligation to pay the sums secured by this Security Instrument shall mmlnue unchanged, Ulan rainstatemenl by Borrower, this Semdly instrument and the obligations secured hereby shall ramaln fully offeeliva as If no acceleration had occurred. However, this right to reinstate shall not apply In the cess of acceleration under paragraph 17, 19. Sale of Nele; Change of Loan Sarvlcar. The Note or a partial Internet in the Note (together 'Mill this Security Instrument) may be sold one or more limes without prior nation to Borowar. A sale may result In a change in the entity (margin as the 'Loan Servicer) that collects monody payments due under the Nano and this Security Instrument. There also may be one or mom changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower Mine given written notice of the change in accordance with paragraph 14 and appifol la few. Tha notice ant slate the name and address of the new Loon Servimr and the address to which payments should be made. The notice wlu also contain any other informallon required by applicable law. *** OR; 3730 PG, 2398 *** 20. Hazardous Substances. Borrower shall not cause or permit the presence,use,disposal, storage, or release of any Hazardous Substances on or In the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property that Is In violation of any Fnvimnmontal Law. The preceding Nva sentences shall not apply to the presence, use, or storage an me Property, of small quantities of Hazardous Substances that are genomlly recvgnlzed to be appropriate to normal residential uses and b maintenance of the Property. Borrower shall promptly give Lender written notes for any Investigation, halm, demand, lawsuit or other action by any governmental or regulatory agency or private party Involving the Property and any Hazardous Substance of Environmental Law of which Renewer has actual knowledge. It Borrower teams, or Is notified by any governmental or regulatory authority, that any removal or other remediallon of any Hazardous Substance affedinp the 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 Environmental Law and the following substances: gasnima, kerosene, other flammable or bade petroleum products, toxic pesticides and fmmlddes, volatile solvents, materials containing asbestos or formaldehyde, and radloactive materials. As used in this pmagraph 20, "Envimnmenmi lad' means federal laws and laws of the Jurisdiction where the Property Is located that relate to health, safety or environmental protection, 21. Aceelmation; Remedios, Lender shall give notice to Borrower prior to accelaralioh following Borrowers breach of any covenant or agreement in this Sodmly lnsbmneni(but Trot prior to acceleration under paragraph 17 unless applicable few provides othmvfae). The ratite shed specify: (a) the dofauR; (b) the action required to cure the default; (c) a date, not less than 30 days from the date gm will to given to Sommer, by which the default must he cured; and (d) that failure to cure the default on or before the date specified In the nafice may result In acceleretlon of the sums secured by this Security Instrument, foredosure by Judicial proceeding and sale of the Property. The coffee shall further Inform Borrower of the fight to reinstate after accetwagoo and the right to eased in the foreclosure proceeding the ran-exlstenco of a default w any other defense of Bonewer to acceleration and fareclosure. If the default Is not cured on or before me date smrAiM in the mgr Lander shall be argued to collect provided in this paragraph 21, including, but not limited to, reasonable attorneys face and vests of the title evidence. 22. Release. Upon payment of all sums secured by Us Security Instrument. Lander shall release (his Security lnsbument,Wthout charge, to Sormwer. Borrower shall pay any recordation costs, 23. ARornays' Foes. As used In this Security helmmenl and the Note, oal(erneys' fear" shall Include any attorneys fees awarded by an appellate court. 2d. Wears, to this Security instrument. If one or more riders are executed by Borrower and recorded together Wth this Security Instrument, the covenants and agreements of each such rider shell be incorporated into and shall amend and supplement he covenants and agreements of this Security Imtremont as if the riderfs) were apart of this Security Instrument. (Cheek Appllcabb Box) ❑ Adjustable Rate Rider ❑er Graduated Payment Rid [I Balloon Rider ❑ Othar(s) (specify ❑ Rate Improvement Rider '❑ 1-4 Family Rider ❑ Biweekly Payment RigaL SIGNING BELOW, Borrower accepts and by Bonowor and recorded Bath IL Signed, sealed and fkall pro thBpresm ❑ Condominium Rider ❑ second Home Rider Planned Unit Development Rider Instrument and In any dder(s) executed --�' �F Ld�LZi - 'Vden Avanuee r �vdokalna, FL 34142 STATE OF FLORIDA '' "" COUNTY OF�� ,.(_ALs,��ni I hereby certify that on this day, before me, an officerdyty authorized in the slate aforesaid and In the county aforesaid to take or I acknowledgements, personally appeared Marie 1.Deicing &Lust aAuguste to me known obe the persons) described in and who executed the foregoing Instrument and acknowledged before me that (Hct she) they) executed the same for the purpose therein expressed. WITNESS my hand and official seal in the County and Stale aforesaid this —day of ej6 20-a-- My Commission Expires: -- A Q L"—Z� S=1Y NuliryPybi(dP Bignvturq, n/ I Ct Wit Nolerys Printed Name t('1P Fileff: 03-320 )(It --- - - -- - .... ..... — I-- .. -- — —.1 ... ............ h 'D XNSTR 4766'164 OR 4857 'PU M1 BBC A ED 11/26/2012 2324 -PM 4PAGUS •a - E. BROCKCLVAK Or THE CXRCU FEET, COLLIER COUNTY, 4QC9j5 $70.00 RAC $52.59 OSLD.$20 .1000.00• cA a Qlatnon'., 'do Yet •,y20(7, The BgapndMalgagerip:, l; Dig PAW! 7AdO.Dip.i".'ft si.'ii Do ia.tiwe Secant, hall Van A. 6.1110c'Coanev BRIE, Qpnii.d end ex7slbg und¢nihd 1pws of lhp VnllRdiSla{eaalAmelan,eaVwlmeeapduan 4vannaPoo QY u0now"OU Wo oplug Me own El, 'Second 11 1 Payment., The to[) debt, hot left aialltu,fit dm,Vp to 9 or 00 rl v:aapaymenl(g j¢log a In be rp U got ila �ah a T peaop 'f, to ql not a) yattahlofth.dabittvIdeglo, VIA Ole, th I Intarattladanucluna4bnotimV O47loproleollho V. InHA I I a -g� �la,W;�o Col. 40 +`Bo, of& pNb�lo Roache I , ..'. '. I . "i'M. . — , — . I I-- .'. — . . — .. I - � . I - . _ ., . .1. . ":e . tt $Otttall.t' .A -Peeq • :,-3aoy?]1b -nilft..),oflaad. ..9qht$andpEafil,,v V�111rphla andeloObAn! all Monte Ewa, too 'Re"a age", "a Ing" "a' lao� get BE "On"el" g lb fteng 7 At I U... a 'Hoph .1 IdHo; bd fal I., adeal-l". otgaRv, .1;gagn-d lo, o - In ang 00 011. t o, h1glag"a all I - 0yegoo. B'doagagg'l :1;o On, or he P.ae.. god, SLR; dB$7 Pa 31 2. t1' �•fudgmen� could raeoillntodelWro of mo Pmpi Inle�ee6 Sonovmtmaydets oodfaithdaten YAlhatpllnp lha6lnnP B + 1mFdimtenlof the Ilan tcalatl dy01e Secudfy onapplQn)In ptoceeoiaave thele n ole •' InfonneQpnJln cpnnediodvAN the teen ovlda I the Pmpotlyas apAndpalresippnce, If lh'. piewtwterewuirea Pellpalo tha PfopdM' A hpe @qgadilmgfi aluigmw Won 11 pot Mugu orpo"IlItuip...110g, 05-, q- any In. nqrallw,gn�oam ont0a, onffing dinalopplyUll CIPIAMMOSO.Prato Ulela 4sAlamullor W at I anon of tyand vEly'l , I ie ortowarehPIl to all to On SobaIappeaby h.?erdauB jobi co& . 0, . dgaY-: Igaati; nau4ioM And In IKOVAVP on I ..... . .. ............. ....... - ------------- t. .. . . ....... ... ti a POP L14 I I 09 4857, 'PG'SISs' STATE. HOtTSING XF vlgnoroh Z.dd Dino, 00pind'A.A4 y ". 0 a) PRO Be llw di a. 000. 0 (kht tvi slup U w FTpm tienofax aPd vhgjp.6n tt Vffa. Wl tp py. thip Not; nor on.. from llh� det. .n ot".Xho Bogr9w9r), 4.941 #oxeaiod9ka,oB'the .F. z box, -dnonakRifai' roT.. 4, '-'-P tft*.OR %7857 PG 3A$6 ---------- by oPpli.able I#w Rod x cle4arib.4 In fBJ b.1m, . xC Eta got'e hAd.z' tak., right tq-1,q-VaAd,bbok foz ,p, okY1NA os lioxLGse:' unlat moat ba •gly.11 to MO/vA Rh Matt ql..6 mail. to me al :net, v144 many or thio Nota. Land altv.otdotr I.... I..... % 7R JR./us to pay Mda Nota.:&ldqit;. pe,t4 :40d, ,:Roqnq-v adl coot and Mon Atq qo.4. #.64pdtnq, but not to the Not. alldo. 'Not. JIPAOqF St thm PHM M01029h Pth.Aj pOY:n6tide that ..r ,qg dQuw4ny 4, 0. by Wlinq -It. by "AW I nRv 9,4f . qav 0 4 6h in.'ad . TIM:)M td,.%T Kit. q, ro rr ....... .............. "Collidi a.. a..and YpkaFCp.:$eFvdgeP APBEO 17. An • 3339 X notorat T.t, I v I Ia at. T yi d' I v on On -f % H 4878 DED 13 :25 Pi PAGES 4790201 E90RROCK nCLERK OFOTHE7CCIRCUITRCOURT, COLLIER4 COUNTY FLORIDA Oslo $20,000-00 os 105205000 OO40.00 REC $27.00 STATE HOUSING INITI C R MORTGAGE (SHIP) PROGRAM 2012, The Second Modgegar is: THIS SECOND MORTGAGE("Sacudly lnshimenV) is given on dayot Scott Michael Davis and Roxana Margarita Davis, a married couple Veonower). This Secudly lnshement is glean to ,agonized and existing under the laws of Ilia Unite Florida 34112. aonawerowea Lenderfhe avldenced by gallowses Not, doted Ilia some did payments. Tho III debt, If not paid Pedlar, is due onoymem is residual. As la's as the bonowefce term, no an lila leen wunolhaveto amp th antli modlfcollona;(b)IIapPYmenl of all oltlarasums, wgthe h Interest advanced undrpam'dOm Of the debt evidenced gmph 7 topraectfthe secudty of the Se,udand all OMOWOIS, ty nelons rant and conVeyto tandar the rollowing described property located In Callier Courtly, Fladde. Inslmm,nl;ond(0)thepedormanceof Borrowers covenants end siseem,les under this Security lnskumenl end the Nolo. FCo spurs , Donower does hereby second mortgage, 9 As more PPJiculedy dascdbsd as Golden Gat- Before' Unit 62 B 7611 or W 160 It ofTfl 1t OR 6e4 PG tea, of the Puhlle Reeorda of C.Pler County, Florida and which has Iho u hhous eC 34120 ("P(opertY Addr,ee'): 755 41-r Ave NW N° (City) (51818) 1.0 (Zip) r,Ye ............ ... _.._._,,. _ u,a'.... _. andaddldonsehagalsobo.VcMdbythe ecu ns BORROWER COVENANTS that Rorrowarrrll6�yyA u 6zed"Otlheea I wnveyad an ll ,ng lhaliilM loth, Pr pproperty and that the ell Game oI- Ond doce 0ga�n8s/ay bw(x topanyr-naurnbra fro cert, Dortowerwartants and will defend generally The SECURITY iN3TRUMEN7 PamyyYnesr Al(ono-eovo sola for nMlbnet us ndn muneonn wvonanls with imltedvadallon by )udsdidlonlo c,nslilut-eunItortn s, dlylnetrGme coJadng el Pr o y' rob 11 Promptly pay vthandua the pdndPal or and UNIFORM COVENANTS. Hertower ntl ndor oven � S gtef follovm: t, Paymen, ofa dbyel and int -r %l;� Y enelges as, interest Inlereslon letlebt evdencad by lila Nda. ss6 1�! r neer al rfa sc P or to the Mutual of an p 2. X.S.7aThe Modgagorwlll pay Iigv tnnn��/ Ihoreon. U as the same reapedi 1 .0 .. , Ma 06 end govammontal charges ofa a The Margolis, shell pay or Musa to I d, Ivey' p 2 all ulilll and other charges. sassed or bvletl ageind with ea o Ihu kae oo yid lmpmvement ollhe P/opody, en kimlwhalsaeverwNch Silly 4l any time be Is Q V apomllen, melnlonenWy so o raped�cryeart.Ibe Modgagorahallba induding "servlp+cM1arges", incurted orimp oda aid loins aiD P ob)Ilgaletl wrier the MortgagMan,$ or other oil ali.6-ie Pay Or nwluso to bo sit aNs has alplmealso 9 Red to ba paid dudam lila fertn of the Modoaga, and shell, promptly after 11" payment of any of the forage �toMcrta h (such payment . 3. APPIIaellonof Payments. Unless epplea5°AC�°a I its I payments received by lender shall be epplled;Grs6 io Interest due; ad to principal due; and lust, to any lalfees., es.. § ea, fines and impositions Mentionable to the Properly Which May 4. Ohara,.; Mans. Donower shallpey all voxes,.....I.as .nara"dr . _...__._u.,.,,,monm ns, arounJ renis, if mry. DorrowershallprompRy furnish to Landaro lI the fells to ale to Lan der a id shollIncludeota standard re mortgage Clauspaid prom 0.0 ase ad renewal Seeowloodaslp card� aka rooroflossifnolmado o to rho insaance ceMerentl Lender Lentlarmaym P Ing, Insurance Pfousads shall be Mpead to reslomlion or tepalr of the PPOPedY _ . _......n 111h.aaa iralionorrep.ahnol OR 4878 PG 2171 ontlnue unchanged. Upon reinara'—.... � �a--., _. In mow=�. as it no sasalmeilon had =090d- Hall"' 'big right to "Insists "ho" he rdin he no o0g strument) May lice$,,h,,r T N01011orista MOYlesultintarehange In the ete ntity(known as Ilhe"La TI3enrclwf)Rant Vat, end this Security Instrument. There also may be one or more changes al the Loan S,rvlcer e change at the loan 3aMceg eortowerwill be given wddca n,8w o"ho ehenge In aecordanw With *** OR 4878 PG 2172 *** paragraph 14 and applicable I[ ahouid be made. Tho nmlcaw 20. Hazardmre Sub Substances on or in the Prop& Environmental Law. The prea Hazardous Substance -that or Renewer shall Menially glue L regulatory agency or private p: knowledge. If Emrow&r leeme Haaardous Substance affaciin Environmental Law. As used In this paragraph 20,' notice SeMcar and the address to which Payments anymmoval epelroleum products, nixie pesticides and heabletdes, volatile mean. federal laws and Imve of the judodiotlonwhere the Property Is V may provided In this paragraph 21, Including, but not nmueu to, fee eoneus mrm,my .,•- 22. Release. Upon payment ofmisums secured by this Security instrument, Lender shall release thin Sacudty lnsWmem,without m,,M, to eonuwor. Borrower shall pay any recordation costs. 23. Attomeya'Feos. As used In this Secunly Instrument and the Note, 'AhmneYe face' -bell inceels any attorneys' fees awarded by an appellate court. 24, Rlderafethleeeaurl YUMArumea4 if one or more diem am axocuted by Borrower and mounted together with this Security InaWmant, the oovononls and agreements of each such floor shelf be incorporated Into end shall amend and supplement the covenants and agreements of this Secudry lnmmmenl as if the rider(s) were a pan. Is Secudiy inshmmom. (CheokAwlkable Bex) 7 Adjustable Rate Rider Rate Improv rn �d 1R. �.��J Condominlum Rider Graduated Payment Rider El 1-4 Fam�¢ sound Home Rider ❑ Balloon Rider ❑ Does coon RIdar P ned Unit Development Rider ❑Other(s)(-Pacify 7 In any dder(s) executed Signed. Co. Borrow r ttoxana margorma av Synelum; �I.(.(n NaA ti. G/�x^`•' Address; 19941t0 Ave NW Naples FL 34120 STATE OF FLOFIUA COUNTY OF COLLIER I hereby cadlfy that on this day, Scott Nioheel Davi. std Rcx,.a M. Davie before me, an ofacerduly authorized In the stale morsaald and In the county momsaid to lake aaknowladgsmenlS, pemanaily appeared tome known to be the peasants) described M and who executed the (emgoing Insimm m and acknowledged before me Ihol (Hot abet they) executed the same (or the puryose therein expressed, //// 9CA;t_�� WITNESR my hand end official seal In the County antl State e(eresald thisMyCommission Expires: ��\\\\ (Seal) Cammtl DDgg8leRg Sxpiros rt1ef2010 Revkcd: 1012012 ✓<- SHIP Reg; 11.073 SHIP Purchase Assistance Program Collier County Housing, Human & Valorous Department 3339 & Tomimel Trall, Bldg H, Suite 211, Naples, FL 34112 INSTR 4858372 OR 4937 PG 2503 RECORDED 6/26/2013 4:02 PM PACES 5 RE-RECORD DWIGHT E. RROCK, CLERK OF THE CIRCUIT COURT, COLLIER COUNTY FLORIDA REC $44,00 ('Borrower). INSYR4790201 OR4078 PG2170 RECORDED U23/20134:25 PM PAGES 3 DWIGHT E. BROCK, CLERK OF THE CIRCUIT COURT COLLIER COUNTY FLORIDA STATE HOUSING INITIATIVES PARTNERI DOC@.35$70.001NT@.002$40.00 REO $27.00 OSLO $20,000.00 OBLI $20,000.00 SECOND MORTGAGE YTOAOE ("Securlly Inelrvmenl") Is given on IRA 01'0(3 day of Zr"todye , 20t2 The second Mangagor Is: Scott Michael Davis and Roxana Margarita Davis, a married couple laws of the t wren Lender as occupy which is This Security Instrument secures to Lender: (a) the repaymonl of the debt evIdanced by the Nola, with Interest, and all renewals, extensions and modlgcatlone; (b) the payment of all olhersures, with Interest advanced under paragraph 7 to protect the security of the So city Instrument; and Cc)the performance of Borrowers covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby second mortgage, giant and convoy to Lender the following described property located in collier Counly,Rodda. As more particularly described as Golden Gate Esiatoe UUIt62 E 7611 of W 160 it of TR 11 OR 604 PG 123, of the Public Records of Qo01or 00t aty, Florida and which has the address of: (Trepeny Address°): 756 41" Ave HN Nap16.2i 34120 (Address) (City) (Slate) (zip) TOGETHER WITH all the improvements now or hereafter a,,led An the propedv. and At....m.me, d.hls, 11111111111% nod, jurisdiction to constitute a uniform security It UNIFORM COVENANTS. Barrow 1. Payment of Principal and fair Interest on Hie debt widonead by the Nato, 2. Taxes. The Modgagorwli pay thereon. The Mortgagor shall pay or cause kind whatsoever which may at any time be I, including "service Another", Incurred or Imps Interest due; and, to principal due; and last, to any fele ohRaiiAda 4, chargee; Liens. Borrower shall pay all taxes, essessi attain pnaNy ever this Security Instrument, and leasehold paymentr notices of amounts to be paid under this paragraph, and all receipts Borrower shall promptly discharge any Ilan which has pdoi the payment of the obligation secured by the lien In a mother pump enforcement of the Ilan In, legal proceedings which in the Lenders c the holder of the Hen an agreement satisfactory to Lender subardina of the Property Is subject to a lion whlch may attain priority over the Burrower shall satisfy the Ilan or We one or =to of the actions set A. Hazard orPmpony insumnen. Borrourershallkeepl against loss by fire, hazards Includedwthln the term "extended cow mqulms insurance. This insurance shall be maintained in the amou providing the Insurance shall be chosen by Borrower subject to Lent maintain covomge described Above, Lender may, at Lenders option with paragraph 7. At alt limes that the Note U ouialandinn, the Mart variation by promptly peywhen due the prindpol Aran! r to the accrue ofany penalties or Interest he :tis received by LaMar shall be applied; nal, to I Impositions attributable to the Property, which may Harrower shag promptly grmWh to Lender all pralect Lenders rights in the Proper Insurance with respect to the Premli area due and payable, all premiums Property icsured for which Lender mvera0oendorsomonl.ineludingdehrlsremovalcoverno. Such lnsuranceat all times to be In an amount not less than the full replacement met of the Promisee, exclusive of feelings and foundations. Ali insurance policies and renewals shall be acceptable to Lander and shall Include a standard montage clause. Londershallhove the nature hold the policies and renewals. If Lender requires, Donoweraiali promptly give to Lender all recelpls arpafd pmmiums and renewal nallces. In the event ofloss, Borrower shell give prompt nonce to the Insurance carrier and Lender. LaMar may make proof of loss if not made promptly by Borrower. a OH 4937 PC, 2504 Instrument, In no. of motion the amount and Borrower shall p modgagainsum B. Ins notice At the Ilm 10. 0, or other taking c event of a total 1 wire any excess before the holds Bummer and L. multiplied by the ofiho Property the fnirmarket t unless Borrows V. the Property is ton connict shalt pot a this and the Jim* 16. Bot 17. Trial transferred (or it a trial to a Roy written of May make at pacifying rear of any award fee tip. r Land.en security o be dismissed material to actions may Include paying any sums secured by 0 Ileo whist able attorneys- fees and entering on rho Pmpelty to more Warm - own to do so. Any amounts disbursed by Lender under this ritylnmumment. Unless nonowor and Londorapiumn, olherlorms it at the Nota rate and shell be payablo, with minimal, upon nollce as a complion of making the loan secured by this Sscudly )ago Insurance In affect. If, for any reason, the mortgage InsomnW dl pay the premiums required to obtain coverage substantially Bally equivalent to the cost Io narrower of the mortgage mallow I 1I substantially oquiVeleol mortgage Insurance owning. Is net dWh of the yearly mortgage Insurance premium being paid by ander will accept, use and retain these payments as a toss results unnerved b Lendng, at the er ion f der oain becomes ALender, if vailable Insurance,age aillable and le he (In In effect, etre provide a loss 1060Na, until the requirement for an Borrower and Lender or applicable law. .,,n„n nnd(n.nxcennserlhe Pmnmul. Lender shell give narrower mcmetlby this Security Instrument shall continue unchanged. Upon reinstatement secured hereby shall remain fully effective as It no accelemgon had acourred. Now acceleration under paragraph it, 10. Sate of Notoi Change of Loon Barvicer. The Note ore partial Inter, be sold one or more Wool wghout prior notice to Somers er. A Belo may maul) in a unrelated tMonthly ale ofthels duo Note. if therer e Yeah age of the L000 and this n ServiceInstrument. Borrower the =Loan roceeds shall be alm od to tiro sums rower oihemis8 aarea in wd(Ing, any mis referred to In paragraphs 1 or change true for payment or modification of n lntamred to comenn proceedings oc edings to se required to communed by this Sec upon of the sums arancedbythio rinutlly terser. Any forbearance by Lenderin try. averesta aM agreamanle of Ihls Security a law which Bela by Inslmmenl, of not less than 00 days alrumunt. If narrower yells to strumant without further to have en(arcemenl of this one ur mom changes of Na Loan S.'Amr written nogw of the change In accordance who, OR 4937 PG 2505 paragraph 14 and applicable should be mad.. The notice 20. Hazardous St party Environmental Law. As used In Ihis paragraph 20, "Hr and the following substances: go solvents, materials containing as] radioactiva materials, As used In located that total. to health, earei 21. Accoloratlen: Ran to the name and address of the now Loan Smvlear and the address to which payments r Information required by applicable Law. It not cause or permit the presence, use, dleposnl, storage, or release of any Hazardous 101 net allow anyone else to do, anything affecting the Property that is In violation of any 311 not apply to the pro sonco, use, or storage on the Property of small quamNes of o be appropriate to normal residential uses and to maintenance of the Proporty. any Invertlgation, claim, demand. lawsuit or other action by any gavermnontal or ty and any Hazardous Substance or Environmental Law of which Borrower has oatual ,vammanfal or regulatory authority, (hot any removal or oNer remod atlon of any :ary, Borrower shall prnmpily, lake all necessary remedial actions In accordance with further Inform Borrower of the right to reinstate after acceleration default or any other defense of Borrowar to acceleration and fare Lander, At Its option, may require Immediate payment in full of all foreclose tills Security Instrument by judicial proceeding. Lender provided In this nomograph 21, Including, but not limited to, teaser 22. Release. Upon payment of all sums assured by Ih charge, to Borrower. Borrower shall pay any moordalon coats. 20. Attorneys' Foes. As mad In (his Security lnslfum. an appellate court 24. Rldom to this Security Instrument. If one street Instrument, the covenants and Agreements of each such rider.b eg domanta etude Security Instrument as [(me rider(s) were a p, ❑ Adjustable Rate Rider ❑Rate Improv anlf�l� ❑ Graduated Payment Rider ❑ 1-4 FOMI j�� ❑ Balloon Rider ❑ Blwee t'� ant Rid ❑ Olhar(s) (specify Signed, Wilna.02: IV — V Signature: V11M ArItl 6. bjc ,) STATE OF FLORIDA COUNTY OF COLLIER Lnw' meere federal laws and laws of the judadmitan where the Property is Inslmmem, Lender chair release this Security Instrument, without Nole, "allameys' (see *hall Include any attorneys' fees awarded by , executed by Bornewar and recorded together with this Security ,muted into and shell amend and supplement the covenants and eeudlymabumont. (CheckAppllcebte Sox) JT h Condominium Rider �� eased Home Rider PI geed Unit Dovelopmon( Rider Instrument and In anydder(s) executed Oo•Sorrowor Address: 756 41" Ave NW Naples. FL 34120 I hereby comfy, (hal on this day, Bantle Miehaol Gavle And Roxana M. Davle boron me, an officer duly authorized In the slate aforesaid and in the county Aforesaid to take acknowledgemente, personally appeared tome known to be the persons) desenbed in and who tormented the foregoing InsWment and acknowledged befaro mo that (Hat shef they( executed the same for the purpose Ingrain expressed. 3 aoi� WITNESS my hand and official seat ln the Courtly and State o%sold ihlsaye 0 `z rte r' My Commission Expires: ,•Notary Public' Ig Fume (seat) I/I�,-,r, ��I✓4S C,ommB 000001830 "plm fiW013 Revised: 1012012 SHIP NO: 11-073 SHIP Perohnse Assistance Program Collier County Housing, Human & Yetemns napariment 3339 B. Talnimn '(SPll, Bldg 11, Suite 211, Naples, FL 34112 OR 4837 PG 2506 *ATE HOUSING INITIATIVES PARORSHIP (SHIP) PROGRAM PROMISSORY NOTE Date% (.nary 3, 2013, Darrow¢r: Scott Miohael Davlo and Roxana Margarita Davie 75B W. Ave NW Replan FL 34120 (Property Address) (City) State) IUD) 1. BORROWER(S) PIIOMISE TO PAY; I/We pxwd.e to pay Twent Thousand and 00/100 Dollar. ($20,000.00) (this amount will be called "principal") to the order of Collier county SHIP TRUST i or to any otnex holder of this Note (the "Lender"), whose address is 3339 E. Tamlami Trail Naples, Florida 34112, I/We understand that the Lender may transfer the Promteaory Note. Tho Lender ox anyone rho takes Chia Note by transfer and who Is entitled to receive payments under this Note will be called the "Note Holder". 2. INTEREST: Interest on this Not. shall be zero percent (0a) per nouumt except that if I/lye fail to pay this Nota as required, the interest rate shall he tW01VO percent (12%) per annum from the date when payment of this Nota is due until I/We Pay it in full. 3. PAYMENTS; Payment in full 19 due upon 1 f P P Y ithi the fifteen vee deferred payment loan, if sold after the fifteen year taxm no repayment is x,quad.�s long a. the borrower continuos to own and Croupy the assisted proparty during the term of the mortgage, then the 10 Aillof have to be repaid. My/Our total payment shall be U.S. 920,000.00.' �'tn q, BORRONEA's c Y lP AtO;p Y:`'ffV�k'he right to make payment- of principal at any time befo ff re due. A payma df'jpky.neipaI only is known an a "prepayment". Nh.n I/We mak apt ayment, I/we will tel D a to Holder in writing that i/we am doing so. I/W: y m a full�C4p% i_nt( r Parti 1 to Holder charge. The Nato Iloldar will use all o my xe to reduce t e .mous. of@@@@\\\\\\the prinolpal that I owe under this No tae if I/, Is k¢ a art r ayment there itl lbs no changes in the due data or in the amou�t o yym /p o aid a Ia1ldar agrees In writing to those changes IY I Yle k a r to p opo an , t �t�f ill be no, prep In w penalty adhering to or 0, LOAN B uta f old icgnapplk& o a aan and which aarq maximum loan cheo b is f �dll loterpreted so the the rex r. nthox loan Chaxgea coh noted Or to be Colla � n cenn.ction with th t to n e the permitted limits, then (i) any such loan g9 s -hall De seder. t o n nooeaeaxy to reduce the charges to the permit ¢' it' and (111 any s L e collected from me which exceeded refs trey limits refunded to me/us. e b e Holder may chola, to make this refund by reducing ,f'p (pal that I/Wo nd this Note or by making a direct payment to me/us. I `N a reduces ('` 6 the reduction will be treated as a pox tial prepayment. �) „iy LJ war a.knowladga and agree that this security instrument G. BUSOIiDLtUTION: l.nn n a e is subject and subordinate in all respects to the Siena, torms, coven.. to and conditions of the First Deed of Trust and to all advance. heretofore made er which may hereafter be made pursuant to the First Deed of Trust including all sums advanced £or the 11=P050 Of (a) protecting or further assuring the lien of the First Deed of Trust, curing defaults by the horns-,, under the First Deed of Treat or for any, other purpose expressly permitted by the First Dead of Trunk Cr (b) constructing, renovating, repairing, Eurnlshing, fixturing or equipping the Property. The terms and provisions of the First Deed of Trust are paramount and controlling, and they supersede any other terms and provisions hereof in conflict therewith. in the event of a eoraelosuxa or deed I. lieu of f .... J,zer. Of the First Dead of Trust, any previa Song heroin or any Provisions in any Other collateral agreement raatrictinq the use of.. the Property to low or moderate income households or otherwise restricting the borrower's ability to call the Property shall have ns further force or effect on subsequent owners or purchasers of the Property. Any person, including receiving title to the Property Lie ugh (other than esorrower or a foreclosure or .dead inlated lieu a of the norxow.,) i of foreclosure of the First Deed of Trust shall receive title to the Property free and clear from such restrictlon-. lieu o , if the Seniure, r. theaon lien oB this Securityr acquires le to the instrument shall automata ally terminate account to a dead In lien of foreclosure, sure, provided that (i) the Leader hes been upon the Senior Lien Holder's ..qqi.iticn of title, p shall not have writtennotice tthe default£ault undernlhe theFirst sDeed ad of of Trusttwithiniitheh 30 -day ,period provided in such notice cent to the Lender. g, Uono ER(S) pAILM TO PAY AS MQUE8TED1 (A) Default IE I/we do not pay the full amount no required in Section 3 above, I/we will be In default, I£ I on la in d requireh me/us toder pay maybring Note about Holder'. costactions and a pense$prohibited as de applicable law and raga (ascribed in (Si below. (n) Payment of Note Holder's Cont and Expenses *** OR 4937 PG 2507 *** eNote Holder takes such actions as deed above, the Note Holder will have the r to be paid back for all of its coots a pons.., including, but not limited to, reasonable attorneys' fees. 0. OIVINO OF NOTICES, Unless applicable law required a different method, any notice that must be given to me/us under the Note will be given by delivering it or by mailing it by first class mail to me at the property Addreae on Page 1 or at a different addxesa if I/wa give the Note [(older a notice Of my/our different address. Any notice that swat be given to the Note Holder under this Note will be given by nailing it by first class mail to the Note Holder at the address stated in Section 3(A) or at a different address if I/we have been given a notice of that different address. 9. ORLIDATIONS OF PERSONS UNDER THIS NOTE: If more than one person signs this Note, each person is fully and personally obligated to keep all of the promises made in this Note, Including the promise to pay the full amount owed. Any parson who is a guarantor, surety or and.rsar of tills Note is also obligated to do these things. Any person who takes over these obligations, including the obligations of a guarantor, surety or endorser of this Note, is also obligated to keep all of the promises made In this Note. The Note Holder may enforce its rights under this Note against each person individually or against all of us together. This means that any one of us may be required to pay all of the amounts owed under this Note. 10. WAIVERS: I and any other person who has obligations under this Note waive the rights of Presentment and notice of dishonor. "Presentment" means the right to require the Note Holder to demand payment of amounts due. "Notloo of Dishonor" means the right to require the Note Holder to give notice to other persona that amounts due have not been paid. it. DNIFOMI eECURED NOTE: This Note is a uniform instrument with limited variations in soma jurisdictions. In addbsn.ba,the protection given to the Nota Halder under this Nota, a Mortgage, Deed OE ,e [ i Deed (the Security Instrument"), dated the same date as this Note, pto �lPoitAe from possible losses which might result if I/rre do not keep th a^NAYch'TYwe L Chic Note, That Security Instrument describes how and up a conditions I/Wa A required to mak. imnsdiate payment in full of all amoup JJ owe under Chla Nota. s me f those oonditiana are described as follows: clal me et In Sorrowor. If all or any part of the sold tr nsfexred (oc if a beneficial interest in I Boexc sx a net a natural pBraon) without Leader'B ,N 9 opti n, .quit. immediate Payment in full or g xq c men However, this option shall not be ar ,ib ted by federal law as of the data of this IF L e%eYcisas this optio�i Lend c h iv0 DBxraweY notice of acceleration. The Actio A 1 provide a period o , of A. thirty 130) days from the data the notice is dei V,ar�. or mailed, within �h oxq must pay all sums secured by this Security Instre piit`,� if So[[owex(s) Ya C 6 ase sums prior to the expiration of this P V�a'd4trN may invoke any Yem n mitred by this security instrument without further n 1eA demand on Soxxawoy ,,C, ance proceed.tan rn0 t)jewe'^`C�O¢i ..wey'Es rights loth to collect and apply the for Lion eocoeds heeeun ��3 7tYpt' antl suborUlnate to the rights of the Senior Lien Hold.. to collect a -ap a�ocaeds In accordance with the First Deed of Trust. 12. Thin note is governed and construed in acaerd.nco with the Law. of Eno State of Florida. WITN688 THE wa,r(('S))AAM SEM(S) OF THE UNDERRICNED. Seat Bof war So tt Mlahael Davie ' Borrower Roxan. M. Davie MOAN TOI Collies county Housing, Human and Veteran Serviaeo U.partmant SHIP PURCHASE ASSISTANCE PROGRAM 3339 E. Tamiami Trail, Building H, Suite 211 Naples, Florida 34112 SHIP Filets: 11-073 Revised 10/4012 INSTR 4741288 OR 4837 PG 75 RECORDED 9/19/2012 11:56 AM PACES 5 DWIGHT E. BROCK, CLERK OF TOE CIRCUIT COURT, COLLIER COUNTY FLORIDA DOC@.35 570.00 REC $44.00 OBLO $20,000.00 i ' �CA� � Jslsedlide3wrcWW3aa VN 182TmpEa33613 ue ui Tamps,YT,31G13 7• Ybox: elYs69427G STATE HOUSING INITIATIVES PARTNERSHIP (SNIP) PROGRAM SECOND MORTGAGE THIS SECOND MDRYGAGEt"Security lnalrvmonC)IS Olden on /IV -nay of lfjr—,2012 The 68cand Mod9egofis: Reinaldo A. 8arreica end Angela M, Andella Marta Po Secroira, a married auapla Lender'), which Is organtzed and t°HOmewae). TSIs Soonaly Instalment l5 given to Coll—'RE C tV-SNIP i (•i Trail Naples, Fle: muting Under the laws of the United States of Amedw. antl whose address is 3339 £ T Is adi12 BenowarUwas Landar(hesumor TNBat Thousand antl 0O 1OO�o^el0arawhlch ur OMos /o�mon monthly paymae Heard wimm mon years all."o ,.,,,,.,t.,-• 4OW041 edvdudeg the lerthe rmofiheen year (an a, repayment is required. As 1009 as loan VAN not have to be rancid. -Bile Becudty Insimmanl secures to BanOwar does hereby second mortgage, g As more particularly described as Naples Maurer takes Bill 13 LOT 16, of the Pubile Records of Oodlor County, Florida and Wnidt hos the address of: Na lea Sterids 36113 t"ProPany AddtOss'"): 5398 2'c "test )Clly) (Stele) (zIP) J�-r, 7 OR 4837 rc 76 PR 4837 PG 77 pemgmph 14 end sppilwbla law. The nolice will slate the name and address of the new Loan Sewlear and the address to which payment. should be made. The nollw wilt also contain any other Information mqulmd by applicable low. 21). Hazardous Subatsoc.s, Bonower shoil not Musa or permit the prosence, use, disposal, storage, or release of any Hazordo Substanweonorkl OOPr000dy. Borrower sholl not da, not allow anyone also to do, anything affecting the Property that is In vlolagonofs or lalion of any eecordancewlth v Environmental Lew federal laws and laves of the)udsdictlon wherathe Property Is sate may ,.,.,..........,....,............. ._.._.___._I .____ _- - , 22. Release. Uponpaymentofall sums secured by this Security lnslnrmunt, Lendar shall release this Secudly instmment, without charge, to Borrower. Bonower shall pay any recordalbn casts. 23. Attorneys' Pecs. As used In this Security Instrument and the Nola, -attorneys, fees" shall Include any euomeys' fees awarded by an eppsirde coud. 24. Riders to this 6aeudty lnalrumont. If one or more ddom are executed by Bonower and recoiled together with this goodly inslrumenh the covenants and agreements Of each such rider shall he Incorporated Into and shall amend and supplement the Oceanside and agreements of Olt Secudly instrument sasit the dder(s) were a paynn of this Security instrument. (Chock Appliooble Box) ❑ Adjustable Rota Rider L_1 Rale lmprovv @nP�I�A CUUE. Condominium RWef Q Graduated Payment RiderO 1-4 FamlJs91 ♦ ' Y sand Home Rider Seiner, RWm Bhvee 1 ant Rider \ 1 need Unit Devoiopmont Rider Olhor(s)(speGfy —11' SIGNING BELOW, Borrower accepts and OR as h le a . a it nit ' t is unity Instrument and in any minis)executed by Burrower oml recorded v4lh It Signed, sealed and deVvared in the presence Wilnes.01: ('1 I yr Slgnatom _ "- i l�. Rnrcowor .4 O A. $BrIO L¢ Address; 5358 Trammel Stract Napl Florida 4,113 STATE OF FLORIDA COUNTY OF COLLIER I hereby Unity that On this day Reinaldo A. Fer i and N 1 M Andeliz tin%te De Forzeira before me, an olik er duly authorized In the slate afomsald and In Ran woody aforesaid to lake ackmmviedgaments, pomonally appeared to me known to be the porson(s) described in and who executed the foregoing inslmmne and acknowledged before me that (Hef abet they) executed the same for tho purpose therein expressed. WITNESS my hand and official Baal in the County arrJSltI.�_ day ol2 rub+ 2012.My Commission Expires: 5lgnalula r ts,aNemo SHIP MIA 11-012 Prepared by: Collier County Housing, Human & Veterans Department 333913. Tamiaml Trail, Bldg 11, Soil -211 Naplcs, PL 34112 GR 4837 PG 78 ' STAT$ HOUISING INITI SORAYRWMRSHIP (SHIP) PROGRAM ROS Date: C LUQOT /v/ Burrowari Beineldo A. Oarteira and Angola 14, Andaliz Marta Da Pekreira Th and d 00/100 Dollars 1. RORBOWER(s) eROMIBE TO PAY: I/We promise to PAY to the�C ilio Count t 20 oeo.00) (this amount will be called "Principal") those address 1 SHIP or to 3339 2. any other holder of t3'41'2 Note (the "Lord""/ti' understand that the Lea f. and Tumiami Trail Na lee FloridaT 3411nlocoto szecaI-- payments under rthis Nota " anDWill be nailed the who takes this o,Nete te by Holder". who laentitled 2 n=TMST: Interest on this Note shall no zero Percent shall pax annum) except that i£ I/Fin fail to pay this Note as requixed, the interest race shall bo twaieein e�ui}t (1281 per annum Eeom Cha darn when payment of this Note is due until I/We Pay year tato. If 3, pAYNENTB; Paymont in full is due upon .ale if cold within the fifteen y sold within fifteen years then the loan will x tarmgthen Alanoee owed is zo=os oa=f cold nt years so that aY. Cha end of thsn£izetayment is required. to long he the recithen after the fifteen year tato, Cho can will not have to be repaid. My/Our. Coral payment shall be U.S. $20,000,00, contSnuae to own end occupy the assisted property tluring the term of the mortgage, q, eoHROFER'D RIGHT TO PRRPAY; I/Pie have the tight to make payments o£ Principal tl at (Veen rkn al only is knownasa "Pxwe am doing so. time before they era due. A palaaenYyaf'P c1P der in Tiring that I/ I/00 maks a prepayment, I/we wil �® charge. The Note Nolder will usa Q partial pre i nl that I owe under this Bata - the may make a Eul} preps n All of my Prepayments ko r d the amount of the e'1 Q P es In the do' date or in the e a rct--tl are will be cHang If I/Wo mako a partials p en u11b the No Ider ge a 1n writing to those ahaeogeox amount of my monthly P t� ra iri11 be no Pre ayment penalty adhering IE I/We make a partial xe a associated with such Pre a n _ a i Yp t s 1 n an ich seta maximum loan changes, 3 LOAN cWHiCEB: if a }aw rw A E n= a an charges collected anyt such the be etea r ted 11MLtal than (i) is findlly interpreted this loan arcs th P collected in connection b tris soca e e 8)r to reduce the charges to the loan charges shall be = d sums already a cam me which exceeded permitted Pei 1}mttl and (it) The Note Ho e�} y choose to make this refund by 9 or by making a direct payment to limits will be refunded t 1 A. unlet tj S trial reducing the principal that / utiun will be treated ns a pa t me/us, If a zn£und caducas xi." prepayment. 7I' 1. Instrument 6. aweORDINATION: )ander and Borrower aaknonledge and agree that this Security in subject and subordinate in all respect. to the liana, terms, covenants and conditions r oss of o£ the First Beed of Trust and to ail. advances hoxatefare made oc which nm prinre defaults Made pursuant to the "itrtaoDead curinf the allencofdthe Firsall t Deed dofn Truseox the �u P (a) protecting g permitted by the First Deed of Trust or ib) constructing, ranovatingr repairing, ing, by the Dos=ower under the First Deed of Trust o far any Debs= purpose express y furnishing, fixturing or equipping the Property. The y supersede and provisions r to £Sant B, of Trust are paramount and controlling, one they su fore o any ot, deed in lien her terms and an rovisions herein or any Provisions in any prnvieions hereof in conflict thacawith. In the avant or a fa Co ion or omvisions Income of. foreclosure of the First Deed of Tenure Y P other collateral ageoament YoeExicting the use of tla ProperIn ty arty. nny have bel Enor rthex otherwise os effect on subaequant Downers or purchasers loI the prop rty aball forc than person, including receiving title to Che property"c' (other through Da Bforeclosure orrower or a ox adnedAradinDlieu of the Borrower), Of forndlDaure 0f the First Deed of Trust shall receive title to the Property free an cleat from such restrictions. Property pursuant to a deed In te PUYthe=, 1£ the Senior Lilian acquiree title to he p mat the Lender. has been lion or foreclosure, the sSen the lien of this 5ecurity Inatran'Sled shall t (;t the L.nde the., been upon the Senior Lien folder's acguteition of title, P of and shill not hausll given tra=ed notice hn default sult and =ndor the theFirst Oeed a of Trust within iChah 30 -days paha provided in each notice sant to the Lender. 7, BORROWER(B) 111LURE TO PAY AS REQUESTED: (A) Default I D will be in I£ I/we do not pay the full amount' ee required in Section 3 above, /wAct default. If I am in default, the Nara Holder mth bring aHolderbout ',a coat nand expr nsesita9 by applicable lata and esquire ma/us to pay desaxiaym in (B) below. (B) Payment of Nota Holdor.'e Cost and Expenses N •sa OR 4837 PG 79 -•- 0. 10. 11. if the Note Holder takes such actions as described above, the Note Holder will have the right to be paid back for all of its casts and expenses, inclutling, but not limited to, reasonable attorneys' Enos. GIVING OF NOTICES: Unless applicable law required a different method, any notice that first clling it by aeaem it to/Uma Under tho)�RrepaxEye Net. lll be Addressen by onPage of i or r at aing t differeor by nt iaddress if ,Iwo give the Note Holder a notice of my/our different address. Any action that must be given to tha Net, Holder under this Note will -be given by mailing it bfirst class mail t the different address if I/wee Holder the Not, aaddress have been givenanotice of that different address. (A) or at a If Moro than one person signs this Note, each OBLIGATIONS OF PERSONS UNDER THIS NOTE: person is fully and personally obligated to keep all of the promises made in this surety including the promise to pay the full &mous owed, Any thinperson who is. Any prsons a awho ttake. ove or endorser Of this Note Se also obligated to do these enter,, surety or endorser of this these obligations, including the obligations of a g The Note Holder NOCe, is also obligated to keep all of the promises made ie thio Note. .11 of us enforce together,itsrights hmeans thatis Note any one aof lus�May beach e erequi ed itodPay l all or fathe tsweets owd under this Mots- W AMRfl- I and any entment and not er of dislo nor. h"Presentment"smeansunder thethis right to waive require therights Note Holder to demand payment Of amount. due. Nticehat amoante of rdua Meansthe toot been paid, quine the Note Holder to give notion to other persons Transfer of the Proper' property or any intoe, Narrower is sold or t prior written consent, all sums secured by exercised by Lender i Security Instrument. Notwithstanding the above, the Duhl!W proceeds hereunder shall h subject end Id r to Collect and apply such proceeds h limited variations in some ,to Holder under this Note, a :ument'9, dated the same date :hich might result if I/we do lacurity Instrument describe immediate payment in full Of ,n, are described as follows: r. If all or any part of the if , beneficial interest in ,rat personwithout Leader'. immediate Payment full or this option shall not be law as of the date of thin notice of acceleration. The day. £ram the data the notice sumo secured by this Sonority r to the aspiration of, this Security Instrument without v' s to collect and apply the insurance n accord ncetwith the First Dead ofghts Of the Treat. Lien e a governed and .an.trocd in aaoocduc a with the Less of the 8tato Of Flocidn. 12. This nota ie WITNESS TtR lud@(8) AND SF.AL(8) OF THE UNDERSIGNMO, Seal o{•/.'onec/ k� $�/�o� Ferreira AY/ / (SOA1) or war Angola M. Ande11E Mart D 8 i RETURN TOiv Calif.. ali . OWN PAYMENT na.Ing, Human COST teranA Veteran servioas OGapartmant� OSING 3339 E. T.Miami Trail, Suilding 11, Suite 211 Naples, Florida 34112 SNIP File Mf 11-012 gr I INSTR 4790568 OR 4878 PG 3051 RECORDED 1/24/2013 12;36 PM PAGES 2 DWIGHT E. BROCK, CLERK OF THE CIRCUIT COURT, COLLIER COUNTY FLORIDA REC $18.50 Prepared by and return ro., Collier County Housing, Human and Veteran Services 3339 R. 7'amiami Trail, Suite 211 Naples, FL 34112 NOTE & MORTGAGE MODIFICATION AGREEMENT THIS S a Note & Mortgage Modification Agreement, made effective as of the _7—A day of oyl k A 6'r tj , 20_L3 by and between Reinaldo A. Ferreira and Angela M. Andeliz Mart Db a Ferreira, hereinafter called `Borrower" and Collier County SHIP, hereinafter called "Lender." In consideration of the agree that the Borrower and the Lender 1. Promissory of n� a o we I s g ven to Lender, a promissory note and mortgage dated ug t (10, 0 2, t e t r 19, 2012, and recorded in O.R. Book 4837, Page 75, in the fu¢ ' e (d� ff II r Co nt Ipta a. Borrower warrants that it is still the owner of the pro Ort , ender warrants , at it is s to veer and holder of said note and mortgage. Both partie it pant they have g g authority to enter into the Mortgage Modification Agree G 2, Status of Paymen 0FT�ie�ep are�ye� is required and the mortgage and promissory note are not in default, ` r 3. Modification. In consideration of the mutual covenants herein and other good and valuable considerations, the parties agree that said promissory note and mortgage are modified as follows: (a) The principal balance of the promissory note remains $20,000.00, which shall be at the rate of zero percent per annum. (b) Payment in full is due upon sale of the property or no longer occupied as primary residence, If sold nfier the fifteen year term, no payment is required. As long as the borrower(s) continue to occupy the assisted property during the term of the mortgage, then the loan will not have to be repaid, 4. Other Terms, Notwithstanding anything to the contrary herein or in the Renewal Note or Mortgage, the lien and operation of the Mortgage shall continue in full force and effect except as modified by this agreement. All other terms of said note and mortgage remain unchanged. *** OR 4878 PG 3052 *** 5. Compliance. The Borrower covenants and agrees to perform, comply with, and abide by each and every one of the provisions of the Renewal Note and Mortgage, as modified hereby. 6. Agreement Binding. This agreement shall be binding upon and inure to the benefit of the heirs, legal representatives, and assigns of the Borrower and to the successors and assigns of the Lender. In Witness Whereof, the parties have caused this agreement to be executed as of the date first above written. Signed, sealed, and delivered in the Presence of: COUNTY OF COLLIE THE FOREGOING instrument was acknowledged before me this %414 day of a, 20�, by Relnaldo A. Ferreira and Angel M. Andeliz Marte De Ferreria who is personally known to me or who has produced_EL as identification. F L (SEAL) �..........PRIsrUA "DORiA .......... I .`•""'^••• Comm$ DD0895635 ; = CrF'!?s 512012013 ryAs "Inn n....:. �..• .., ...no.. ...... Notary Pu lie Commission Expires:6Yr_ -2- 1986653 OR: 2111 M. 0115 gf0A010 in 0111CIAL IICO/D5 of 011,10 COOL"- tt /50 !�/9s t01t0115 At llizzM OYIGST 1. BLOCK, CA�A51S000.00 0111 13004.00 nD nt Itsa raw O 00C. It 52.50 III. .001 SEcolm 101sT( "tta. NOOSING i Ulan 0101LONN111 1500 NOASISN01 DN N LAMS IL 2)W _ . 11100,2, The IKord Nortpw Mt iMIN /FCDNO igNTGAOt ("scw11Y Iprtruwnt") i. glYws to Jaatuaia C. hili , a alapla w<tasa C 111 C OntV of IM Untsd ibis of (yorrarr"I, Ihle IKurItY tsrtruant it g1YM to �. �1M lewa 30 torroar Owet CAwdar"I, Win I. OrgwslIedVerd atetZt - us this debt 10 "kissed Wrier, a,d Was .ddr w9 hHD N0/100 0U1. f lyes — hly tNrr the we o/_ VI •t, ThW8Ati0'Ito --- t 0/ the debt I1 wt paid aril<r, " end Payable on sale d1 YO ert Yefi 01 OY by gorOwrss Nota aft the sere date u ehte iK ItY lwtrw°t ("9uaM MortpwN"). WIOh pra0ldn 1aI aosl p0awlI" wlth the full debt, nt of it other ata'. loser o ed eaemntion this fKW;Xe�11 Wt I� iiowl .•mac i en. ar+rd the ( .1 .._.d by IM 1100- ulth Int<ust, and t rvrotect IOrrawr dw Y t° ~t$ the a ltm of the Security Iwtf""ntl end l<I IM pito PO with Interest adunad Lester paragraph rt tooted In ^r• 1�tosntY, p sCa�a°rt9age,oser,"� �p trwWr the /olloull rq deaprlbed NboWNOV • rOr this our WOW ant end co -M Ilor{w. Macre particul<rtY kaorlbad On Wlblt "A," Id WI<h has the amne@ Of 2 t e t ("OpartY AdRdlls-)t :a. 33940 ___ IOONTNAN WIN all the ....... rov iHu, grant w wrrrNa of rotor .,arrd.up vertY, and 11, eKeernU, riaht<, of. V stock and all f i.toss naw <owred by the ttcurlty Iwtruaant. nyM erd hu the right to a�rt�, mw,",, toec Wyltfto �w1aVbreKK I non.tnifons c"emnte with flatted ,.i property owr shall woepttY p"Y WeA dw the ,or rate@ prior to the a«rWl 01 lY LKOae• talo) alt tats end ..a M twlad aWlwtwith rsapOe e Mcooa dw wd no the interest$ ,,her OSOaltls u� the '*Wo wrl, W <Iwaei propttY aiw to proof wtia t0 to ratWetisn or rhe Isotiwd. M Mn dr, with OW aNOa f,,a tender ..w. twdor rY OR: 2111 PG; 0116 YORK k or niton the ProprtY or n pY a'tn tacu,ad by thn 9KurItY tntrwanq N.MN or net rlotl alit W91n Prep tan rott G, Is .diad, Untae+ Londe' If 9orr.wf otharflit Fee In w the prweWa to rap the der data of IM nonthlY pytenta than dw. Thr 7O•daY p iroipl shalt rot a"ardt'r� at wrwr.Ph =t IM PraprtY iL tcµri rW he url Nrpr nY appllndm of Proceeds to M fro. dwgr to Lha ProprlY prior to Ina or chan9t the eennt of IM qY+•n� neat drV d iar to the rrHrred eo In pra9rsPh 1 INuraroa plkle. sM pec• this security Inetru+nt ItardiK Y p Lerdar, 9orrwerli right ta.,y 9orrMr'e loan olptintion, sop,bldn shalt pass to Larder to tan Ntmt of lM aw eecur ,,wilition• pfae.rvatim, Maintenance +M P,Ws,ty a of the Prapirc pt reddarca within aUincly ipat g. Occup.'v%Y,l M,,", Nteblith, end w. tan ProprtY N 9orroYar4 p rt N 9arf9+er4 p p t aM shalt 40ft" M to K hY the Props Y 1111Lh cat'ok. ltaaelolde. torreI. +hat plus trvder atMr9na egnN In urltirii r a control. dna 1W Necutlon of IhbnrcNl r the anurity ti l occupit, t detvionte, or corvrii waste an lM resident, for at UNt ons v1lhMld, or unnN exxotaaa W drewtencN Nist Igll<h are MYord .orraw thee and{ not W l.venon.btY, a..eos or iopalr the Propartv,� sllw the Wircrt Yha her civil or erl+t �•l(alrIs b efi� life If a rtmege In soes. Lova by LaMar Nein "cars Ir+Ornoe In fflat, or to any written a9reseant Ml 9, lrowtion. M.11 Vivo 'Orr tot+flat my ppyetnalion or olhi .9.11 aM Nall W p to the aur+ tetanal M th of . grtist taking of 1 aWd to W 9rotit than sorrfaYaf .M txxMr otfi t of IM pocttde m pentitttd Litti oder IM lint n • par"tl or by alum to the Prapm given to Dor the' lag 1. — the' with the ton 01"" the pan' rPa ecta. will be trefunded rge t- nto Barr, . or by tatlN . direct pyre' prypallerd MI noticena prlp-earrWl Mot base Mry it by first 01Na all ,nim rtY Address or nY other ivenIa .... r.rvMr Mm 0 ,•n'td,W otmr l atso be in delwlt if mlowe, n or atatwmN to tender lar faiited to rlderosd b/ tht Non. Irolud1 1, fail + prtroipi re+idefct. (lire++fee if lit e bait. If gar rover Kin grltlnp. m .gr.ea to tan arrnr In [o pato!+ tan covxwlto sM a9lmsearo e r alpnlf lcmllY •i(Kt lxdaY'+ rights in gn or forftiluto or to enfare# tlir a b b/ ullen uAl<h Mt ploritYdwer this s rntsrit. tan PropItY tO sun rep las. a de to. MY atonte dIsbxaed by L r I, I.ra,agthotdanlol idlsbuat+mltat %Mr�• •r rtWtSit rw pW'r't• ad hetprt9as. I �rthe am' inn -if"%' �,i/ar -- atoll pY the art than ". .111'.. •-' "date of the a onrnv not "land or P. -ti -re -ti -re tha --, for p.y.ant or tstor In ted by tender to My w wve ar or aorrwar'a +c.snafort in or In intenat or rtiw. to ,ttOd tnstrwnt by reason of earl li•+•^d by tender In extrclsiol any rig adroe+et$ o/ I a r fa rKwN pnrc•r•. detlwrlry It an Nen. In Ihle 9eturilY Iptrwnt Math roika ntll be directed qul red we of another reiven by trad, no ice to tender ah.11 be ignan. by notice to tender. MY a pr.9nph. •2• fax o 15. pareMI N jvtedictiM In Mich I tb Mote conflicts I « the Note Mich men Instrument ad the No 16. wrwr 17. Traitor Intereee in N le at rot a natural perm) full of all OUR, recur Is prMlblted M 1*dt If hoist M01016441th of rot leu then 70 do by %hie Security Im' I mob any retadl*a r Is, eorrwr adargement Of this period as applicabl, wptained In this S«I are no in law. Redo. OR: 2111 PG: 0177 w; SMrMitity, This Se,V sY Instrument shalt W gavanlal W federal lw and thy Ing of the * property b lasted, In the event that my Provision or hose of this Security "I'Veant gtihlutotlovlsi yleofthiurithwiltfllam,schMflith•eudaraadlm ilKy«twitout tcwrq provno ere declared to be sovereliC of the Note and of this Security Ineeewnt. Srpy. Borrower Shall W plum w c,farwed copy led property or • 1"flO❑1 Inbr*s% In Sorrow,. If a11 or per ort of the property"Vt or any r trauferrad (or If a bets11eb1 Intone. In Sorlwr ie •old or tru1r. Immolate cud wrrwt Ie thmt b Once-. prior Written owtnt, laude' Ray, *% uta •ptiM, req,ln 1"wedbu peyaMt in try this Security Iritlunnt. Nwvr, this option shot% rot W ueret" W'"W" i1 *%$raise t Ing r of the date of this SeculltY Imtrteamt. option, lender shall pia Soprover notice of ."at, ration. The rodeo Shall provide a period (raw the data the not ice Is delivered or ulnad within Mich taffawar "At pay all sus' Secured aunt, It gurrwr toll, to SAy these jum prior to the upjru/m of this period, lerdar MY Allied by this Security imtruoent Nilhwt further rotic*or dam"d on all Mrv00tM ripTt to have to Retrofit.. 11 wrrwr tett certain cadltlw, sorrows, :Wily Instru u;1 dltemlinUld at any it" molar to the urn lar ill , (U S day- 01 ouch 9'h*' .w my •pacify for reinetattaml) Wort ub of ted Proparty pair.—t to Oral poor of ale ly Irrtrlaanti or (b) "try of • Iud Wt enforcing this SOCUMV Instrument. Shote CW41%1w pays brdgr all sus Mich than Would be die velar %hit Security Imtrtramu and the Nub u If Netfarl pb waWrtd( <b> taw and default al Try other I,,Owrts or .vr.~%-1 {w wv •tl eawa!•• jnavred rciro this Security Iwtruaxnt, locthding, Wt not Ilalted M %«der my itsmubiV ,scuba to o�Woa eecuredhe lion 1 r eud Swrwr•x Ml lust ion to pay the uaant by brrwr, in la 4sour i tY In, tth�ri phi tthe &I Iat «ebnllon had wcurrtd, Nm1Ya,, ph i7. IP. tab of Not•; old on of LOM 6time Without Tht dote or ,�rr y (,nota," wY W told w or Nn time without pal or n IeY <my b u aha rbed bhang es that h LORWI S rv"rsOnthtw1•a deo rY , one or rWi changes of the tun servfuf the 11 he notice a Sorrwr Niel ag PIVM Writteaddress f thea of the d he (write ulll nett the nor Ord eddras of the raw tam iM rtloa will also contain MY olAer In f 20. apa bu,doo, sustars. e Pr,perty gt IssI uIn.orvil'albrwl.th. esu. er wages th4er�n i�yvd� t Ernv'trS'owwr Nnetrevij;l m the pr r y pall dYa•d!tltlu o ,tet ar, reWlet"y Agency or Mich lorrouor hu aatwl tY, 110t ay nmv11 or other) woaptlY tab all wounrYu 1 In this paragraph 20, N iard herb o des,vo LOW the o oleti desl� ting rterbb, as Wood In V IM frugally Is ;mated that 1, security Inetrurnq IaVMN* rights In the 'IIY InatruMnt shall cantjnw tnchwrd. Uro ucurM hereby shall rami. fully tlfectiva u ,it wt apply In the cue of «crlvuion urvior ,,list Interest in the Nott (bother With %his to ga,rarr. A est* my roup In a thONe* In m under the Nob ad this SeaaNty intro n" to • tela of the Nott, it there is a chew. of In 4teardaat with Pac*glsph 14 pets aypllc"l* ,or and tht address to Mich wyrnte should W applicable low. ar relate p' present*. Ne• disposal, *ono, do, nor Aim anyone *be to do, anything i. Odin tw Sentercas shalt rat WDIY 10 A SaWUrco that en gewnllY retain led raw V. y ala, dmend, law,v(t or other utim by MY M Heo'dous Sub•t., Or toylrOrwantct �l is tit tar "y gov,rrtenol or regulatory ti the Property b necosety, Sorrwr SI la. K 1 a or.ic or MaardasrOdutt�tuf< 6 * Or todoptroleu p r•l an w. Old 1 w of the jurisdlotiM N cawant on Sprw,t , !r,."!=; ",_.,.,,: iw, - Til/M default. (M dilwltJ (e) a dao, wt nut than 70 uv t rynn i �_k ^I� 'rrllaj In the notla NY ruuR n coos.,..,... aredl and (d) that hilae to curt IM drlwl II''th protesting eM tele Of the prOwrtY' Th* netlae of ted tum assured by this tecuritY Irtirurnl,�'tr w/tiVi Ord oAtl further u thethWorse wrover of of t e righVj.ult o wv other ode/enw sell agorrwr otaccojerotion, ardrforotorw*.«If the defpall is not staled an ar before the data specified in the mile*, tOW Ar, at is option, NY rehis S eawedbta pe1*rnt in full of ill ter %$rued W [hb R«uritY Iwtrlam, without fated, dared and NY Wattage Chit S«OritY (,provided %rums W Judicial wme•djw, order shall be "titled o colt«t ell apawer Incufee,rred In pursof h ttitle he rwdla as. In this p."'A 21, including, but of emit.d to, Yat, lhis 5eeutorneyty train and aaWr {hall*alts usthiisi i«urity 22. wasselthwt. irp wY� In,$rWnt, W {hoot cherw, to got amid S%his Se trill wY MY nwrda 0 im Scoot#, O tS, Attorneys' Salt• As ved In thio Security IMrtwsnt and Ihs Nott, eRorwYs' fess° atoll Ineludatany attorrsy,, fail awarded by M apwlb%S court' hor 24. Riders to this wwlty Instrument, If w or rr, riders A executed by braowr aInto nd o AM *hill late with athis t Ili Instrume t,t etces,ttao/ shit 9oK Secut. rity rtaaMt Rich such ref if the lrlder(t)rRaretawrt of this Slau Instrument, (,heck ApPliesbla most ❑ Adjwtebhs Asia Rider ❑ bud 1w,OYuant Rider ❑ uradmt*d POYamt RI(kr ❑ 1.4 f"llY Rider ❑ 5,11W Afder ❑ RlNatkly PaywMt Alder ❑ cadowinls, R)dr, ❑ Second Nor Rider C1 Planed unit orvlopMMt Ridet ❑ othar(s) (epealfY )+ ImLow, ed by er acne reand recorded with ui the it. ane COVOrmtt Contained In this Secul IIY irotru.,t and In SIGNcry I,,", soled ad delivered In the praaere of: •7• ,nerd.lD *** OR; 2111 PG; 0178 "* FOU 0 trivatwo ste"eturol% - •• ^•, t •. r19.-( tteslt r r 04ulnis, 0. till Print Pillet Addresu 1012 RldOa SC C9 t _..—�'_•— F)OYStl 339-00 /I Wlura ISNU SI Wtwn orrowr print Resat AWmat II4Ntwo Sipltturlt (Seal) Sorrawr R tat owl Adfrasst ilinatwet lgaU SI W two Sorrrwr Print Swat Addraesl DAIS I CtlYTY 1 hereby certify that on canny aforesaid to tett aobwuls R1IRESS M had W official seat In the County to the Stat. aforesaid W in the In W Who executed the the purpose therein expressed - Chi, . xpressed. Chi,. day of 19az My coelleelen expires- , 4 er P l e o i ylalun 4oteryla Print Seem ISPAU JOANNR OALRRY NCIIARY PNIILIC SWAM OF h70R1 COMMISSION NOX07NH A1Y GOMAlisS10N FxP. MAY3o 1996 to" 0 Ltthibit "A" Lot 61, Roselmry Heights Addition, per Official Record 1716, Page 345, Public Records Of C011i" County, Florida Mt1f ' 2162693.0R: 2298 PG: 1963 a1111oM y11U c0 MCOMM is tk 0"ICIAL IMM of Cown tel, n (fill010,0 all 2111,0 Iia M WWII 1t 1111011 may 1, am, CUM MC MM U." 0t•.11 I.TI PNmrelamMg Ouflshofo Title Company, L,O, 8811 Tarnuml TyuA N SECOND MORTOACE Napo ML U114 T HIS SECOND MORTOAOB rsomaylnebumartts Oven on The Second MollaaOw is RUNICA CABRERA, THOMAS CABRERA and DOLORES CABARRA Ow,owerb 11,11 socmlly lathumod Is Oven 10. CollierCounty.-.. abkh )e mpaolwd sod oxieline under Ino laws of IN UdNd !!loll, of A nolco, and nhose oddlon 10 _,xaoa north H,rg h nrivt,. nwTn..,_J�{lXj,dp]]},1�. BouoiMr owls Londol the tem ol�'7jo 'rutlVaANO rive WladiEB um No/!corns, fl)TA tlA. 10.61 to ovldanmd by Owrowe,'t Hule doled me tome date Is the secvdty kukeminl 1'6e0oad Mdlpege'1. Munn prowdot Iw menegy paymoall, nim gm I" debt, H not paid eodo,, duo end pay t on „ a1. at cronerbpx..LO(i venae. s_.tgoa_ojJtamQexead agemotfatl . till, activity nut,mont tomes lotendso(01 the lopAC�MAl d ote deM ovwoncod lle by ou flet*, Will tables), old oX colonels, extensions dM Awdlncdlonsi (6t ale p1ilrNnld M olxnwm, with MIeI III] /dvmctd Bader psogmtit i to polgcl 0l? lecmlly d till &OMIIy 111514041115140410011Unll and (0) Via pellelmam of Bixfow i'e cow"ants NA ""erne 1. under 101 asowtty Imm�l uomAnd the Hone. re" Into pmpoto, owtowo, deaf bweby second Inwipape, pont Ind convey In Lender d,e loXwsLgdnwWedpopmlyladaJm_SR13.iQr.,Counly, IYwWo. Lot 8, Avalon Estates Replat, Unit L, Plat Book 4, Page 65, and the South 80 feet of the Wast 55 feet of the Beat 145 Peet of the West 200 feet of Lot 5, Plock 3, Avalon Eetatea, Unit One, in accordance 1T12h and subject to the plat recorded in Plat Book 3, Page 62, Public Records of Collier County, Florida, ,ow Or hgmeller olccled 0n 1110 popwiy, gild DX lneealenll, lights, eppwllmrleeo. Nnh, welor itv'dl and flak and gg Anwm naw w 11016AII61 0 pen 01141 poperry. Al y Ilia 9olodly Inteeaianl. AN *11110 fa,egolap is ,olened to In INe aecMy IAsbmmnl be pM hall Vie IIQhi In Inwlgage, pool . Decorator w/nlnh and wig defend sulbuNMe W the Pooped/ whkh .r $hog pwaygy Nndth to Under sleadwd matloogs douse, tender llu6 blvl to tlldar ON (sea" of pow peldwm wd and tender. tender may make pod of Ill Uro 10 l ORt 2299 PGt 1964 Slee ,naiodpty krPeU pre tteelb bwVlbq Nethil ,Yon a PreasdMp b M N alws be N &IoWI it any talolldm pcllon a piocee ' M ao n 16, by IMtadellao a Ns PropollY a otlw rawer maY car suds a delaWl /nd IeMsolm, os govPded 0 W np msL M LaPbfs good iatli ddlmimNelbn, aadudea IWlailae a ore Ua,Nmi s WolofNib b b PropeIt rty a opt abWn ambd by lade 9ecWllylrobumanla Leldeheeadty mklml. Ugraxmi limitNibM1 �lW. L14101 mmp anon pmwN, p wild Uw baSnea MmnceJ by Ih0 Nolo Mduanp, bulenPlLNmllodtlo,Ii'"it the, Lsnda wdM Pont N cawed unless 4ender spgaw y d b Prapelty as s aMdPal roeplmncd, Ii Nb Saeudly Imbganl le on ,been ' 6drowa shall candy with na. Ii 9alower swpWrm Imo Utld io Uro Piopmay, Ilw bmdhdJ oral the loo Uam wasp not "moments co wed m Ws y. Nam taro eoromm�b P W roots n • pdardnp m Thal moY siappwnllY allay Le,deis IWlib In the PrdpaInd a fa wdrstsrerb noassS7 lade of 4rnduL Rlphla In Ibe Properly II Ugraxmr Ia s o Do a Neta b a bpd aaaadinp a an Sana Speed by f Nn kidrdreadrn+rd ad 4mrdo ��Iphle Morn Po�wwula 1elende sicWUmsm Y,foot W116Yy Ltatsr ardsr a n.PaPa v w Ws erpaNY MSUamnl. apPewmOmtwll. PsyhW waaalsbis ,,foot ud enWkwm ria PoapaMid a ender msY Ispr,fleeunder IWSPHW©lJrT•LoMor Boas nil lwve baoso. MYan 'h Aorto"Nlmswl, UPaI roW bombing, ta smgwsUdihop of boa Nbmf homrUro Jald of d wabgeomoinl cuo .1 am Nolo read aid el eN 6e peYsW �� b vpNr "Nnod by UJI 6scWUY p Hawawwrrnppesimtvn bnV1tinder (- laps INW/Ma. 11 LeMer Iepukod malpapa mMe W ae a k"Nenn a mmkbp We bee ukad b doMe om swarpa orr he% 1 yY L rIm lose' ae a ca os b beam 61 100 OlaI� shot ply My Pre IMenl q� mom• of Me papa rbpl b b nragmpe Moasae Iwerbdeiy M ellecl�'�et met PWavod by UpaiWYaif eeubsunUslH sWiSNanl 01, 10 Owire" e psdwsiy M aNecl, Na^ an allannle maipepe a Lader, H r h ort evataae, fbriower .bap P•Y Io LeMa� each mmN r .wn epua b one•md11W di the Y•uH mglpaN MwWsna MsWena, Lusa reserve poymsnI. Ino no brper ba Ie4W�ed, al b oppod d 6y Uarower wban We Meaona covadpe IPnsed a Seed b be m alba. Larder wal aawpl, use sal teles •e s hSWa N {au a malpape , Ulel Under loqukes) gmMod by 0n lnewa sppta'ad ti Lsnda b ImrN1.M malpape Na,a eM eHrcl,abadvlde oboe w av ,W fib pro a,wW I and fa the W bd and Lander Not- . Harewel.hA Pay U,a aenau owrenof Ipuk, eba br maMapd Insadnce eMs N accado^a 00 by milldn aaaamenl wt ---n pm Ude Lmdar efwe pea _.,_ _..,.u. „n.w ngra N i MfPsaionw dl pro Prdpa Y• ccbotd•W now, emits caloin r to pro Caper 01 ; U 0 ony power a sofa ne Wel Madmen Is) pawed; lbt peas le. tag Pow to 6041001. a hes Mar, OR imam db sw^s wqa low oYlerwdu IwavUa, the u tlwn da. Is laMa vd o b duo doh of the monody e Idr Psyment No ^wind on of �ml of Hames sbaM nil tsto to mqumd b cq^IMM1a plua "di " t u1 b sumw..Wsd by MIJ 11 get. MY Iwbeaance by L/M.r M ants end eww-blI a mts Ssadly earpxer vda co•.Ipn• agrwods M1.11y bl 0araWs e, pwU and Vinel bUdswMay Me Sums ITbobs a make onty Iwmr,o. Liter May choose to eke � 1elund by ,,, 0, wlurd gduceS p limb. pro reduetw wis he d >iwp be phaa by dalie,mp it or by brat" it by /+sl di mood Id the Pmpelty AdasSs a Obf donordd"S Ualowa a Lender when a'Yen IS powed tuned by federal low o d Me law Of Iha lull.aeUon M Ity IMinini^I a the Net- Unisitt MN &M"blo hw, No Mid, con be UIM df.a wdbul Me a 1owbil add b be eevoubit uei. end al We 8oeway IrobumeN ._.,tiohadda eaaam.ni of may spadty 'or F of awwwnl hr Uew Uocwify as; lo) Pa» er ctpe aspLondon 04 /�WmM and the ws .IV In to OR; 2298 YGt 1965 "t aluat Mbrail N No Aly 1 w+n^°tn'�°0�"nsarvit.fl to. lata of Nval Chan/e of loan lefYleeY, 7 ha Nolo a a P s d py loan my Ile aaM ons a mds ume# wxPwul pbr iwllro l00aiawor. A sde mry Iasull m a xhorq° Ivan w511kn notla W Vse YlsaM" W m I�ld W e, n wymN1N doe andel We lisle and dUs SacaUy InsUument. TUMI �novM � 0 ale a Inca duaU° Loan S"Acef and uw � a5 b slatgeMPa uvNtlad b • ul# d Pn fldm I(Ilrofe Is a dan0v d the Loon lervkeb to no law. eaadasxe vMh Oaea)pn fl and ePPsceUb lnw.Th, n°Ilsn Will stale No mma end sddmas alUssv, PdifPP)01 eia"Us,auMas W+1MM be made. The mliw odd also wnbin anY oVwr intama4bn rogoYed by aPid en disposal' the IxoMdY widen P) 20, "ixxx0 r hoz not do, na a" onymb site Io -do Y 'wage aI ly Pso"", at "mal 70. ffasadaw w.. 1ncer. Will.1 aro os not cause a Pelm01 Uro p0°° Use. a srl* of the Htuldoos SmIllalca/m dNL� Till ocaft bra oonlanms )haN not spply to Wo M mill lo, "son d My EmYoaa°1I nelaxy socopdsOJ lobo apslepllPls to swmai laskenliol ufe) and b"lI,, doim, demand. "W's" a 08ms toUon W snY' UpvyadnUl a Vu)ndVea d HKada0" Substance" Plot ae Ua SataYn hat sawal PtdIls)a par'PVy ylva lender +w111°nU�ro � ° la an� pnY Iblordous 6Ubsbnca a EnvYaVnaniol 4ow of wNds �I d any Oepslsbry aPerWY a OdvaU PuIY NwWNa ' Y °vmnmonid a rOPW"IaY taUlolllY. U�BI 1nY romOval°I actions IW axasdsaa wiW Ynv,55adaa. II /alOwer ka01, a le twd(N1da eYs' larmni ah°X pony,IN IOY° ax n°cem°ry roma f:al"IdWt lyb){anee t11KIYq #N PIOPenY EnYYmmeMal law, a vdeYN M rho Wt �tyt,h 0''Naeadaos Sobslance"' nm UwSo eub5lancas dblYwd - iv +l0 a na5adaat euhslalon by Env amara 4 , and One id �aubsbnuc dasaYne. kesos em.a—id, a 10+k pelrokom aedUel", bxlo IaKllddea tdd 6elbleddt . _ __ _, "'s-- e"babs a so,' W°• °`d..,..onl l asY means bdosy In old We vl We (udsacUan wtl#n Ina PsaPedY elmil felons# Ude StcaeY WYmMsd. *'I", auanay"' ha evaded Q.c! s W.w�.lida W low. ane and N any ika(s) taasald h take I Isenby "My that es this d°Y• �101aa "u'• nn olOwt ddY aoihI f N Na slab alaesaid sad 1 �n to be Ne A a' e v L• `<.�. t .. �a ad<novdadem°^Is, Psuonaey tppaed (�(. executed Uw fame Ia venontsl do)albad y and sstw teaeolsd 0w la" .UVNU lnebaMnl and acknow7od0°d b11010 IM 0101 Wt ixrpne inti expaaaed.�� c; 77. nlyfyd 51.1, olaesatd 00, L=, dayal %jGLI eP'x .1U { WITNES3 my hand and 0" s0vi Nllw CW,nIV MYConmisi eExp9ef NowyPUbyc'S Slpna n �TIR2Wl81B9a '^/ W WHIM. WI I,tm NVla.rsPrMlad Nome Llss,W essi MNM "aaMM W W nt"t UtYS/Wn (SEAL.) oebplld,W Rota; *w* 2995080 OR; 3051 PG; 1297 *** 01101 WO 31AVICIS INC MUCH in the ot1ICIRL WORDS of COLLIIA CON", If RIC III 6.00 718 AMM OR 06107/1001 at 07:06A1 Dlt01t 1, IIOCI, CL11I CORAL OAILD ?131111 SUBORDINATION AGREEMENT This is a subordination agreement dated May 5i 2002, by and between Collier County (Board or county Commissioners) and Alliance Mortgage Company, (Mo ngagec). Collier County is the owner and holder ora mortgage dated March 17. 1997, to Eunice Cabrera, Thomas Cabrera and Dolores Cabrera. the mortgage recorded in Official Record Book 2298, at Page 1963, of the Public Records of Collier County, Florida, The Collier County mortgage encumbers the following property located in Collier County. Florida; Lot 8, Avalon Estates Replat, Unit 1, Plat Book 4, Page 65 and the South 80 feet of the West 55 feet of the East 145 Feet of the West 200 Feet of Lot 5, Block 3. Avalon Estates, Unit I. in accordance with and subject to the plat recorded in Plat Book 3, Page 62, of the Public Records or Cullier County, Florida. Whereas, the Mortgagee has requested Collier County to subordinate the Collier County second mortgage to the Mortgagee. Collier County hereby agrees to subordinate the Collier County Second Mortgage on the terns and conditions of this agreement. Now, therefore, in consideration of these premises, the parties agree as follows: Collier County subu Alliance Mortgage ( Second Mortgage is Alliance Mortgage ( Collier County agrees by this mortgage shall 3. The terms of the rubor( successors and assigns. W WITNESS WHEREOF, the party date first stated above. c` ``2d Witness Witness V �ykv� �� STATE OF FLORIDA COUNTY OF COLLIER Second Mortgage to the lien of en of the Collier County airy, operation and effect to or the indebtedness secured and their respective this subordination agreement on the Collier County I ? I, By: ( Denton Baker, Interim Director of Housing and Urban improvement The foregoing instrument was acknowledged before me on this day of 2002, by Denton Baker, as Interim Director of Housing and Urban Improvem nt of Collier County and who is personally known to me. (Seal) Ee I.AURENI aEARD INVA1I!a%HNYs IM+n W:AY fl, SF,�mkNmke f.. -EAG — Notary Pula . Veto, 4254854 OR; 4422 M 3676 8010 111L8 ACHNCY 0.8COHD8O SD the 0111CIA4 RHCORDS Of Coal COON77, PL OBtD 7000,00 1191 NONSON 87 NN 0112712009 at 021AOPN DWIGHT 8. BROCK, Cl OBLL 7000,00 CANYON ON 14716 4303697 OR; , 4458 PG. 3822 DINT 1002 26.00 JRecn: (n1� 8010 TIM AHNCY �q; CNHCJRDHD in the OFFIC7RL RBCOkDB of COLLIHR COUNTY, FF 4191 11MON 87 RN 06/0412001 at 11:26AN DWIGHT H. BROCK, CIM CANYON ON 411718 SECOND MORTGAGE RHC FBS 77,00 V THIS SECOND MORTGAGE CSeeudlylnatera l")is given on //t31("If 2000. The Second Mortgagor Is: ,) F7rTA L.,l )i G,crra- fvl fir e . S Lc'" ll Lazaro Sierra HernSndez & Joan Santos, single persons , under ("Bertowary, 7111 Security lnsimmwlis given to r' 1110 Col ("Lentler'), which Is organized and ezistng the laws of the United States ofAmadca andwhoaaaddeves 18 3301 B. Twnioi Tra 00.00) This debt iso evidenced by Bonowar owes Lander the sum of Tb TL and d 00/100 Dollars ($3, 0___ the Borrowers Note dolled the some date 99 telale o€Inromart $esefinenoead D onrahl000d of home- far antoadeelx lntiossil debt, If not paid eedleb due and payable on This Security Instrument secures to Londor. (a} the re an of the debt evidenced by Tho Nola, prim ict the and all renewals, Security ions antl modifcaliona; ib) the payment of all other surra, wish Interest advanced under paragraph 7lo prated ma security, of 1110 Security instrument; and (c) the performance of Bonowera covenant end egreamSea under mla Security Instrument and the Note. For 1111 purpose, eottovel does hereby second mortgage, Wren and convay to Lander Ue following described property located In 2011dor County, Piorida. As mom particularly described as Gulden Bate, Unit 6, Bill 1661 Lot 21, Center County, Florida and which has the address of: ("Property Address"): $161 20ea Ct gN Naples, BL 34116 unenances, rent, TOGETHER WITH all the IMmOVeMQM$ now Of hereahremded on the property, and all e9samenis, rights, app royalties, minerol, oil and Gas rights and plants, comer rights and stack and all fixtures new or hereafter a pad of live IMON it , the"Pro edy", BORROWER COVENANTS that Borrower Is lawfully seized of 1110 estate hereby conveyed and has the night 10 Mortgage- III and and additions shall also be covered by the Sal Instrument. All afire foregoing Is referred 10 In this Goal Inslmment ee Ue"Props o br nces of record. Bonowar warrants and will defend genomlly convey Ua property and that the Property is unencumbered, §cXceJlq o �(�a of record. the 11110 is the PfOPelly eG$Insl all Gama and demenda_al(C �Q�,^WnW Pb �� antl nOmunlfomh covenants with limited variation by UNIFORM COVENANTS, Borrower an covenenf and agree es o 1. Payment of Principal and Intens, I m y,Md-, jUl Char as, Bo war holy promptly pay when due the principal of 000 Internet on the debt evidenced by the Note, eA/ oon�'it 2. Taxes, The Mortgegorwlii pay a teoc ossrrent rwaterr (es dorto Ina acruuai of any penallleaallInteresttheater. bb ehY= kind whalsThe aeverwhlch may ell any lime bo labee sG arwi ra4petsjo)PlropedA (2)011 uUUty and olhear ehergea,es ny't^ inUuding'seMa chahgos", Incurred orimpoc 415ha na ce, a e2cu ,.f�iai"y upkeep end improvement of the Property, and rk u (3) all assessments or Omor gavo nmenlal b ((al may lawfully be PaidInsteil enl d s porteId during the d of yegB, Ua m ofMelegl shall be Mortgageobligated under the Mortgage to pay or cause lId only such installment k�a reg ¢e leg pvedby Lendereha lee applletl9U at,Lodrom ti after the a ment of any of the I %forward to Mengagee'11 d g{gifiS payment ahell,p promptly PY (rBprevldes as Be aim rete {. 3. Application of Payment. Unless e D �s due under lhs No ��L u Interest due; and, to prtrTdpai tlue; and lest, to any -if s ¢..."c s_,tha e , I n and Impoations attributable to 111e Property which may 4. Char set So 'fl Bear It Bit Pa all I g.$,_ r Gnja'll any, Boarworahail promptly Nmish to Lender all D attain priority over Ihla So 'fly Inalmmanl, end leosehol a tits e payments. V Milan. of amounts to bB paid under ih1. paragraph, and all re Ip v his p Y B.ttowe1 shall Proh^PUY dlsrmaryeon Y (lea hes pderlly Over this Security Instrument unless BorraweG (a) egreee In codling t �$ the payment of the Bengston secured by live lien in a manner acceptable to Lander, (b) trental in good faith Iha lien by, or defends against enfarcamentofUeIlanin,legalproceedings whleh nine Landersopinionoperut topmvenl the suromenforcement Lender determines of the Bon; all(e)securany esfrom 0 lien an eoollennwhich mayallaln prtrarea lty ver@e 3euudlylien lnaWmoM LeotleriMay giveteorroweranoUra Identifying the lier. Bonowar shall galls fy the lien or lake one or crest me actions act forth shove within 10 days aides giving emetics, 6. He rd or Property Insurance, earrower shall keep the improvements now existing or hereaherosoed on the Pro which ends against lass by Ore, hazards lnduded wall the term "¢Mended coverage" and any other hazards, Including goods or goading, forcarrier which Lender requite$ Insurance. This Insurance, shall be maintained in the amounts and for the pedoda Thal;h shall ot be unreasonably reason. The Insurance oamw �'. maln/aln wvara9 insurance deacribed abovesLe den err M p al Lenders oer subject to plam, btarinal n covera9 val i to protect 4enders aripact i l hiP r ipmdy in accagain t such o with paragraph 7, At all limas above. ma Nolo le outstanding, the Mortgagor shall maintain Isumnce with respect to the Premises against such M same etrel as 11 j$Uudhaand pfar bal at limited to, all- skaurone, protecting the Interests Insured against aof ma Mortgage rend Mortgagee come duo and against teaayable, alls Or oomsta to tam$ in he extended by In , I ala d on' OMM' oo dabs remval Bonsal ymage.gSbe insurenege etlall Limon to bmion lln en amoun(nolttes Ihao lhetfutrepleceme calof Ina Pmmlaes, ex In U"offoofinga and faundalJuns, "OR AU lnauranco polios god ronowels ah ell bo ohxeptabla to Lander end shall includoa -fee dartl morLgago clause. Leder shat ave Iha right to hold Tho polidas and renewals. Ir Linder requl-e, Borrower shall promptly glue to Lender ail receipts of paW premium. and ranawal notices. In the avant of loss, Borrower shall give prompt notice to the Insurance carder ad Lentler. lender they make proof o110sa if rat made Promptly by Somewen r Aert rower othrows. agree In codling, inaurence proceed. shell be applied Io as or repair I the Property .. ._�_ ___. _:,.. ,....e mumnd. It the res,.,.tl.n or repairis not uenmscu. .--,__.._... . economically feasible of Landots security woultl assent, Instrument, whether or not than due, with any excess paid to eorrower. If Borrower Lender may tolled theeeleme elements ploceeds, Lender may use a relics from Lender that the traumas ceder has offered to settle a claim, the proceeds In repair or restore the Properly or to pay sums secured by this Security movement, whether or not then due. The 30 -day Period! ,Of beginwhen five Acte Is mailed. Unless Leder and Borrower otheol agree In writing, any application of proceeds to Principal shall not extend or postpone the tlue dela of then monthly payments referred to in paragraph 1 or change the amount oHhe payment. if under paragraph Zi he Piopetsihellpassd by Lender, nder to tBorrowers OXMM ofright to any sums Saeuretlbythis8eeurs allty removed Improceeds mediately prior ng from to the ecquisillon prior to the Occupancy.PmsorvaUon, Maintenance and Isrotation of the Property; Burrowers Loan Application, Leasail lds. Benawer shall occupy. Satebllsh, ad olive property es as BorSrow Ya principalmo modeal msfar l least one yearafterfter in sIxtithe date of ocoupancy e execution of his Security sLander Instrument and shell continuo to occupy, P rtY emrowersod q, Din eorrowershellnosent$bodestroyll I mal or impairof be ame Property,llow the properly 10 deteriorate, or commit agiwaster on then Property. eonowar shall be in de(oull if any fode]lure action or proceeding, whether civil or criminal. Is began that in Landers good faith judgment could result W fOdehuro of the Property or otherwise materially impair Iha Ileo created by mis*1cu,� y instrument of ^darn eecud�ly,1 7H S OR: 4422 PG: 3611 interest. Bonowar may cora such a default and reinoan, as provided in paegreph tae by musing the a br (n be ad with a ruling that, in Landers good faith dotermination, preclude forfeiture of the Bortowefa interest In the Propany or other materiel impairm nt-1tnproce�gre by this omens l scent or Lanrtnation or-ecundor'saetlelemante la Lend r(nfall.dt.1 proYWOnest, Son vi de Lender with enY material ofthePlropelit canjaecfl�, rty as apdndpol the loan ldenca elHhlS Security enced Instruthe ment is iesentations ouncerning 80 on ahlvesahod Borrowerut not limited is,rehall comply with 11 the provision of Mho lease. If Borrower acquires foo title to the Property, the lesehold a,it the eewer (sus to pederm Ihee fill- shag AOt mergefwvenaness ta ener d agreements contairees to the merger ned rIn this 7. protection of Lender's Rights In the Properly. if Security Instrument, or there is a legal proceeding that may Significantly attract Lendefe rights In the Property (such ea a proceeding n protect the valueprobate, fhe combonna LardufssriBhls nihosProp rtyforce slenOr defsaaclonetmay. Include Paying any hen LOAdot may do and s,me secureay d by la lien hich to has Although LenderiMay take Began under this par graph 7, Lendering In court,ing does not 11 vreasonable e to do so Any amounts -8 and 'fOsdaer and a Leon the prid re outran this make para. peragraphTehall become addlllon31 debt of Borrower secured by this Sewriry instrument. Unless SUM and Lander agree to other tens of payment. nae amounts shall beer Interest om the date of dlsbuesmam at the Nota rete and shall be Payable, with Internet, upon notice from Leader to Borrower requesting payment. RY a. Mortgage Inmunmco. If Lander required mortgage Insurance as a condition of making the loan sacred by r any reason, a Sew 8 coverage required by Lenderiepsea °r Premiums to be reo maintain quired Borrower shall pay the Plane mortgage umn roqulradsro obtain coverage mortgage Insurance equivalent W the lee aMohmnenailemeh mortgvgaylnsu Insurer approved by Le,dsrin effect, at a cost isi(substanOally equlvalentmartga9 lnuumnce equivalent to the met to wYereige isnet available, Borrower shall pay to Lender each month a sum equal to one-hvelUh r the yearly ruses and Insurance premium being leis by B lbu°ir when he Ierance. coverage reservedorcoosed to may be In Inaffeb°raglantl IU SIN eantler again becomes s argon of Lender!11 mortgaB n these run%orrice coverage(in , the amount and (9, the peod thatrove Borrower shall pay he predm 1 a requldred er to requmisinoPed A modrtgage insurance inpef(e der o previde a lose faserve, unlll the requirelable and Is menby Lt for mortgage insurance nda Ina ccortlance with any.vriHSn agreement between Borrower and Lender or eppropert law. a. Inspeollon. Lor its agent may maks reasonable entries upon and Inspections of he Property. Lender shall give Borrower andor native at the time of or pdorto an Inspection specltying reasonable cause for rho , b actlor 10. Candemnagon. Theproceeds of any awerJ or shim for damages, direct ler cense assigns in co nnection with any condemnation or other taking of anY Pen of the Properly, or for wnvoyence In lieu of mnaemnalwn, are noreby ssoned an shall- whether poo to Lander. n Iha win nnya total taki paid of Bortowsief in the evreostof a loNol tekenglof the Property$n whlGblhs fairy this me at valuUfR triale of the Property immediately beforehocess Is equal10 orgreeterthen no amount of the sums secured by his Se'udly Insmtsiml I immedl%toye amothe ft he ,upas multiplied by the lollowin8 haidi n9r(e) ria lollol amount of the some ei ni(d mmedfat IY 4°fare Of ovineurJceinddad by (b) the fair marin kdaalue of the property Immetliately bo(oro the laking. An balance ha al to rap 6 r• onl of the sums 8e wired lmmetllately foof a re takinglch the air madnet value of Iha Property Immediately before a elPlimblo IeAA ravides, the promeed$a hatl he applied o he sums ny unless Borrower and Lender otherwise agree In whirl f4§Nnn secured by his Security Inshument whether ler no u aro then due. Unless eT d BorroWrothery to , era In phswritii f Ch application o promede to pdnGpal shell Pol axle d o Bryan__, a the due dale of the thly ymanls refercetl to In Deregrephs 1 or change the amount OI such paymmde. [ ride e s as In Interest of But or shall not operate t° 11. Borrower NotRelSasod, Porbe nn O¢L!Orida No Wal r. Extranet Olt slime for poymenl m modification amoNzation of the sums secured by this Sec o i s u t nlyt o can of the eums seemod by this Sawdhy release the lability of Mho origins Borrower ar o t 1, L rid h a no been of required to common' proceedings against any successr in lniereal orretusa to xle if fo pa m nt r UaeSee axerInstrument entby Aaany dghi m remedy shall not be a oro, re Katal Severe s of a g ¢ran forest, dy sl. Any forbearance by Lender In rrrr0000�� 0Sl ns t i covenants and agreements Of this Sewdly 12. Becoeaaors and Assigns esu assigns ofL nIde�r and e� We,% keCl olbe instrument shall bind and bane@ ne weaves s i Any Borrower who cosigns this Security prevision. na of but do paragraph 17. Barrowefa covenant 13 prele SKUIhali e o rani and cenvey tlmt Bortaweta Inloraei Instrument but does not execute the Nota; (e) Is slahl nis g �; persanagyya)tia O o pay ria sums secured by his Sewdry lnataue ter in the Progeny under the leans of this security In,fit @ enmso P -f r b 1 or mnko any accommodations with regaM to the Jenna and (o) agrees that Lender and any Other Borrower may � If this Security Instrument or the ore wthiout that Borrow gtj—m Ill. Loan Charges. It the loan secured by this SecunwinsWmonlTe eub]edtea diented inconnection tats m,xtmumloanchargthe e, and that law Is then: Spy such loan naegetahail or other toan by the es callacted or to [ wceearyto reduce the Change 10 the ,penitted Iimll� (b) any SUMS ,[ready Wanted from Bolrowerwhich exceeded permitted limits will be refuMed to Borrower. Lender rues choose to make this remnd by reducing he principal owed under the Not, ler by making a direct p,ymanf to Sortaveu Ilia refnd reduces principal, the reduction will be treated as s POMS, prepayment without any prepayment charge under the Note. be elven by delivering it r by Melling H by re 14, Nogoes. Any notice o Borrower provided for In this Security Instrument hail 'les mail unless appllouble law required use of another method. The Police Shall be directed to the Properly Address of any address Borrower designates by nation IQ°Lender, Believability. This Any notice Security Instrument given thall be 50'eMedrbyfedor erall low aner when dthe lawven as Of the jmbdial nen which 16. Oovemin9 Law; the Proletperty' I- wooleel;td. in the event that any WOVISlan or clause Von of Ibis Security In -been be or en Nola coogias With applicable rove io Irl�siie and halhalt net provisions s otherof this Sewion of this Se end the Note Incur eem dedvetl o hi sevs¢reble. ryan olfoo winoul the wngfsUp9 Provision' To 18. Borrowefa Copy. eortavmr ehaii be given ono confoned copy of the Nate and of this Security Instrument. 1T. 17anaf oes the Property or S Benagda[ interest In Borrower. if all of any pad of the Property orally interest Fk a a ea of transferred (or Ifconsent, Lender a benegdal Interest In Borrower Is sold ler transferred and Borrower is not a natural person) Instruoutment Lendefe priorwmlen not be exercised may at its by Lender If tion, require a are immediate ed payment t In toil Of Olt SUMS see of the dale of his Security nsthis UVmenk swmenA However, this option shell II Lender exercised his option, Lender shall give Borrower notice of a-enereff"' T m neem ed b this Security provide a radoIns"' Mr. if gonowor f n of not Mesa than leg days Item the date the notice to he delivered or of this this perlthin Which iod, Lender may Invokevoke anorrower Must y remedieall Be s parmilled by this Security Instrument without further pay these sum. prior ols to notice or demand on BarrOWer. 1a. Borreames Right to Reinstate. if Borrower meats camels me(OrSliBorrower Shalt have therightllo have Specify this Security Insimmenl dlswminued at any time prior to the earlier Of: (a) 6 days (or such other period as applicable or lbw may spa fy reinstatement) before Sala of the Property Pursuant to any power of Sate contolned in this Security Instrument; r (b) entry o/ b under this judgment coram end default of any other covenants or agreements; (c) pays all expenses enforcing ria Security Instrument. Thee In doc areurr that Borrowerddefa pays [Lender oter coven t dr agree ,n would Unit action asLenderm%Y Instrument and the NOW as If no'="Fetion heQoaurrbul ns)t limited to, reasonable allorn.Y%foes; Incurred In enforcing this Security Instrument, including reasonably require to .,,sum not the lion of this Security InStA mem. Lendefe rightI in the Property and Borrower's met obligation and to pay the some secured by INS Securityin.trumentahaii continue unchanged. Upnreinelatement by BorrowghttQG o Security shalrumnalaedtweBasetOpa secured hereby shell remain fully affective as if no m ooleratin had occurred. However, this debits reinstate shell not appy In the mea of acceleration under paragraph 17. 19. Sara of Nota; Change of loan Servicer. The Note orapeP4e1 Interco' Inas the (loty(know .(fits S°cunry Instrument may be sold ons or more Umee without prir nOil" to Borrower. A Sale MAY result in .,huge a the entity (known ea the "Loan Loans) that cogeda monthly payments due under the Note end This Security Instrument. There will be also mei en ulna or more ofilb, change of Lha Loan Servicer Unregreph 1 a sale of the 4 rid pP sable e. if The nthere s , c wwanill stele the name and addresrof er now Loan S Nilwr anin td no address 1which paymoe vnlh aha°.bemad°. The riches will also contain sny other information required by OPPdwble law. 2o. Hazardous Substances. Bonowari Substances on or in the Property. Borrower shall r Environmental Law The famcading two sentences Hazardous Substances (hat are generally recegnlz Bonower shall promptly give Lender wdgen notice regulatory agency or private party involving the PR knowledge. If Borrower looms, or is notified by an Hazardous Subslanoe affecting the Property is Me OR; 4422 PG; 3678 *** J p, 3pq *** ar Portnit the presence, use, lisps al, aQ uge,44518as8glavT(hza4Nso$ r anyone also to do, anything affecting the Property that 16 In v701allon of any (o the presence, use, or storage on the Property of small quanllges of )data to normal residential uses and to melntanance of the Property, eilon, claim, demand, lawsuit or other action by any governmental of dazamoua Substance or Environmental Law of which 130110"r has actual or regulatory authority, that any removal or otter remediallon of any — h.0 mcna.119take all necessary remedial actions in accordance with substances hazardous substances by Lew IsooQoatroiemproducts,tiie pesticideend hdriideeagle ill Lad' means federal laws and laws of the jurisdiction where iho Property Is evidence. )e this Security instrument, without nd the Role "0 yl fees" shall Include any attomeye' fees awarded by 23, Agmartays' Face. AS ossa to Mas auwury an appellate court. L 24. Riders to this Security lnstrumenif one or more ddare are executed by Borrower and recorded togetervlih this security Iagreementsthe ofthis Security) Instrument ss if the deach rts) werredoor 8 pert of this Incorporated instrument. (CheckApplicabllel0 Box) the covenants and Q Adjustable Rate Rider ❑ Graduated Payment Rider Q Balloon Rider ❑ Other(s) (specify SIGNING BELOW, Borrower a by Borrower and recorded with Signed, S6010d and4til-mal 1, ['It Rale Improvement Rider ❑ Condominium Rider l -J LJA Family Rider ❑ Second Home Rider ❑elwmkly Payment Rld�or_rY QPlanned Unit Development Rider IneWment end in any agar(s) executed STATE OF FLORIDA,`,/ /� ,�'� I� COUNTY OF �U( ltkC A- I hereby codify that on this day, before me, an officer duly authorized In the state aforesaid and in the county aforesaid to take acknowledgements, personally appeared Lazard Siem Harmadas A Joan Santos to me known to be iha parson(s) doecnbed In end who canceled! the foregoing instrument and acknowledged before me that (He/ she/ they) executed the same for the PurPwo therein e*ressad. ep 4,U204— WITNESS my hand and official seal in the County andStale Pierce I s day f - MYCommisslonexPlres: lh �C( Notary Pu aSig lure (Seal) 6 Notary's Pdntetl Na WENDY L. SICILIANS 4i I Notary Public • Stale of House , NYComminlon Dpins Jul10, 4011 Qpmmhikn s UD 000107 i• ,;,Y� eoased Through NalonllNohry Alin. File#: 09.082 2928818 OA; 2917 PG; 8930. 6811 S000,ae l 1 IltAS 2ita00 1n thi 011CII4 P10WS of 0LL11A tONHr PL 08 5010.0 U 6UIa1 tlli6 oubilloot at I1:PSPA pYiCEt E, plpfq C1Rt Ricppt IN 5.40 11.9 PICA tlt 814CON0 MOR7.'OPO"i 11,1I93ECOND MORTOAOES'eeaiifylmpumaat'tlsplvononJonuery�D, 2tl0 7ha8°°OntlModpepais: Inp dd & Apayar. � Slnplo Pe mon IW Mia, Pmm—r••.--•- oolliee Daaely,PioilAe' cold., vaunly,flarlda oodwM1lan hcel Aamoropodlwlaityd°llinal a the CaalTBloal°ITfod et, Ooiden date9-1034Unll Pf, oddlaae ol: ite leo Pionldn 34320 S'PrapnlyAddrose'S: 34io 72nd venue dy, and anaesor P,.o,..,...o--.. 1. Pe mons of ^�nihv ilia Nole alap7 tope enrenu ----- --- erwalanaos pda lathe eccmalnl enyponolAeealnleme{ Pa9H de Pa9uaMM BY Lea..le9yp+lmila . Waled mWaisum m ONae WPM oac. 8911.911 MTP 03 eM OR; 2911 PG; 0935 pa0v2 vIJ Requealv0Bp IBaaOYfp(dYpld -""' WWolaOol" older INN, 0J ow HII.934 WO N-W20D2 *k* OR; 2977 PG; 0936 spa taw taw' So Same IetlaPl M,, And lewa of the jmledicllon%11010 the Prapeny he a allomova toot and MIR 01^"' ... Aly lo,lim IM.Under'hog missile ihla Baoudty llvlmnan4wAl8eul end the along,'mlem4yV loss- shae mature Any atlomny0't00a 0wamed by dnm am uaacmad by Do .... Mr and mcoNad lWmomrihoawo 640 any Adluslable Pals Rider flaillmprovemenl flitter p second llama flidor IJ dredunloUPaymont fliJAr 1.4 Family Rider ItLL��J�jj,, elivooSir Payment Rider ❑ Planned Un110ovMopmani Rider BAlluon Older mlhegp ppoaliy he arms andeovonnlliec.mon edmlhU Sscu ally 111111-Im0.1 Anal. any Jdoi(s) executed SIGNING o 001140M -1110' and ogmee is (specify My omlowar end racordadMlhh. Blamed Aant4d nM IV rodining ego sol: (• Signatures d y ltguliar BMIO Wllrtees4i: � 90r10Wae BI9n0al' 8lanmmet Wilno IN J �, 111rx ar IdA ca Bmmwer rnaala aa, Agu31eF Sloneluroe i��'tn ddQmea: Nle 7142.e agndYonne fl]dl o 8TAT8 OF Flo IDA cDIgNTYO � (•"I 1 hotaby cattily thatan lies dmy. hot me, enia11aar duly amhmnotl Who pal0 nlalemid and In has manly amreaeltl m1eNo acknowlatlaamenlE, pmwnagyappeamU InOrid EAguilar tome knmvn lobo IUs po¢an(A)dsamtbddin nndwho 0ndcnlad Iha Iplegatng Inslmmenlnntl eoNnowlatlam Ualme ma that (Ndehollhay)oroomadtho tame ler In-purpaaa lUemmoyprwsed. 0ltntao4� WITN89Bmy hentl and oliidei noel [,the county and at, oimA I CgVol Myc"MIUMSeplraol NOaIy POI 681pASOM (bat) old Sir MQdNamo a/(e.l�q .r. cnwte yByn vu., urn•.M . um,.c:td.15 menu: 01.08 N'0 304 Poeuesuaty aetlb Woedwam _ PI014 TMOI8903Na ant, i"Ti00.3 M E71.93e MWI 02.00`2002 GSS +fie INSTR 4393125 OR 4967 Pa 2346 RECORDED 9/20/2013R3C0911PH FLA0.IDAI flee DWIGHREI T aa, BROCK, CLERK OR Tea CIRCUIT COURT, COIS%N TRUNTMENT PREPARED BY&RETURN TO$ HOUSINd, HUMAN AND VETERAN SERVICES 3339 EWTAM1AM1 TRAIL NAPIEs, FLORIDA $4112 SUBORDINATION AGREEMENT KNOW BY ALL MEN THESE PRESENT: inconsiderationsidetaatlion of agrees 0han It shall postpone vand aluable considerations, Collier County, Florida, and make Junior and subordinate In all respects that abetweenliand/orColliassessme� $ created, by Ingrid E. Aguilar, a single person, and Political subdivision of the State of Florida, through its Board of County Corrtmissioners, at pae 0934, public andOR Book of CollierrrCounty, Florida. Sad agreemi ntt pertains to the real property described nerds Legal Descriptlont The East 75 Feat of Tract No.52, Golden Bate Weiser Unit No, 1,9 , oldingto the of Collier P Or plot Florida. commonly recorded in plat Book 5, Page 7, of the public Record Commonly known as: 3440 22nd Ave NW, Naples, FL 94120. e executed rid Aguilar, as Single person, t Sainate nCOOSt only Fedeto the rral Credit union as firstiles V. 7 oth dayof e'^ta� mhr — 2013. holder Being executed on o as This person, $hall betinue Indebtedfull toftheeand effect a ab above En nclal Institut onsrand goid El. vernment agencies, and/or their assigns. Approved as to form & COLLIER COUNTY Legality 7enlfer A. ealpe Io l By: KiMBSRLE 'RANT As: DIRECTOR HUMAN Assistant county Attorney ER ICES DEP VETERAN SERVICES DEPARTMENT the I Pursuant to With the SHIP ,OV HoUltaq Asubordmation SISCO CO PARR Other Board do ApH127, P/en APPAW4d 2010, Agenda Item No, 16011 STATE OF FLORIDA COUNTY OF COW 53 The fofeg Ing Intl men WB6 acknowledged avlbef0ay GRANT re MO On this DIRvCTOR of 2013, by u-u3-->=-----� , O I O hUD Ah $. VETBRAh SERVICES OF COLE Twv MUNTY and who is personally known to me, **NOTARY SEAL** NO ARY SIGNATURE �/tI W NIMPnPui PX➢Wfi9,Ntlfi4 AIS PRINTED NOTARY NAME I Pool i of Requested By:L606Woodward ,PtWed e129Yl019903 AM Otder. 16071003 Coo, 4967-2240 AORSBO D9¢02013