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Agenda 05/10/2022 Item #16D 2 (2 Mortgage Satisfactions for SHIP Grant Fund 791)05/10/2022 16.D.2 EXECUTIVE SUMMARY Recommendation to approve and authorize the Chairman to sign two (2) mortgage satisfactions for the State Housing Initiatives Partnership loan program in the amount of $30,000 and approve the associated Budget Amendment to appropriate repayment amount totaling $30,000. (SHIP Grant Fund 791) OBJECTIVE: To support the affordability of housing in Collier County through State Housing Initiatives Partnership (SHIP) down payment and emergency repair and/or rehabilitation assistance programs. CONSIDERATIONS: SHIP, a state affordable housing program, offers assistance to first-time homebuyers for use toward a portion of the required down payment and emergency repairs to the newly acquired home and rehabilitation assistance to homeowners for rehabilitation to their homesteaded property. As a condition of award, the homeowner must repay the assistance provided upon sale, refinance, or loss of homestead exemption. The following table provides details regarding the associated mortgages that have been repaid in full. As such, satisfactions of mortgage are required. File # Name Reason for Public Record Mortgage Payoff I Payoff Amount I Amount 11-069 Antoine Dimetris Refinanced OR 4873/PG 3390 $20,000 $20,000 Brightmon and Elsa Lizeth Brightmon 03-324 David Guadarrama Refinanced OR 3713/2811 $10,000 I $10,000 and Virginia A. Brito I I Total I $30,000 $30,000 Approval of these items will authorize the Chairman to sign the aforementioned mortgage satisfactions and the executed documents shall be recorded in the Public Records of Collier County, Florida. FISCAL IMPACT: The repaid amount of $30,000 satisfies the payoff amount. This repayment is considered program income and has been deposited in SHIP Grant Fund (791), Project 33759. Deposited funds will be used for SHIP eligible activities. The Budget Amendment recognizes $30,000 in program income, of which five percent (5%) will be used as administrative funds. A recording fee of $10 each has been paid by homeowners Brightmon and Guadarrama/Brito. LEGAL CONSIDERATIONS: This item is approved for form and legality and required a majority vote for Board approval. -DDP GROWTH MANAGEMENT IMPACT: There is no Growth Management impact. RECOMMENDATION: To approve and authorize the Chairman to sign two (2) mortgage satisfactions for the State Housing Initiatives Partnership loan program in the amount of $30,000 and approve the associated Budget Amendment to appropriate repayment amount totaling $30,000. Prepared By: Karina Bardales, Grants Support Specialist, Community & Human Services Division Packet Pg. 675 16.D.2 05/10/2022 ATTACHMENT(S) 1. SHIP SOM (PDF) 2. SAP $30,000 (PDF) 3. Backup Docs Brightmon (PDF) 4. Backup Docs Guadarrama (PDF) Packet Pg. 676 16.D.2 05/10/2022 COLLIER COUNTY Board of County Commissioners Item Number: 16.13.2 Doe ID: 21791 Item Summary: Recommendation to approve and authorize the Chairman to sign two (2) mortgage satisfactions for the State Housing Initiatives Partnership loan program in the amount of $30,000 and approve the associated Budget Amendment to appropriate repayment amount totaling $30,000. (SHIP Grant Fund 791) Meeting Date: 05/10/2022 Prepared by: Title: — Community & Human Services Name: Karina Bardales 03/29/2022 3:09 PM Submitted by: Title: Manager - Federal/State Grants Operation — Community & Human Services Name: Kristi Sonntag 03/29/2022 3:09 PM Approved By: Review: Community & Human Services Kristi Sonntag CHS Review Community & Human Services Blanca Aquino Luque Additional Reviewer Community & Human Services Lisa Carr Additional Reviewer Communications, Government, and Public Affairs Lisa Weinmann Community & Human Services Maggie Lopez Additional Reviewer Operations & Veteran Services Kimberley Grant Additional Reviewer Community & Human Services Jacob LaRow Additional Reviewer Capital Project Planning, Impact Fees, and Program Management Gino Santabarbara Public Services Department Todd Henry PSD Level 1 Reviewer Grants Erica Robinson Level 2 Grants Review Public Services Department Tanya Williams PSD Department Head Review County Attorney's Office Derek D. Perry Level 2 Attorney Review Office of Management and Budget Debra Windsor Level 3 OMB Gatekeeper Review Growth Management Operations Support Christopher Johnson County Attorney's Office Jeffrey A. Klatzkow Level 3 County Attorney's Office Review Grants Therese Stanley Additional Reviewer Completed 04/01/2022 1:37 PM Completed 04/04/2022 8:31 AM Completed 04/08/2022 5:49 PM Additional Reviewer Completed Completed 04/12/2022 2:47 PM Completed 04/12/2022 4:49 PM Completed 04/12/2022 6:05 PM Additional Reviewer Completed Completed 04/13/2022 11:03 AM Completed 04/13/2022 12:22 PM Completed 04/13/2022 2:02 PM Completed 04/25/2022 11:10 AM Completed 04/25/2022 11:18 AM Additional Reviewer Completed Completed 04/27/2022 11:27 AM Completed 04/28/2022 8:45 AM Packet Pg. 677 16.D.2 05/10/2022 County Manager's Office Board of County Commissioners Dan Rodriguez Level 4 County Manager Review Geoffrey Willig Meeting Pending Completed 05/02/2022 9:42 AM 05/10/2022 9:00 AM Packet Pg. 678 16.D.2.a Prepared by Karina Bardales Collier County Community and Human Services 3339 E. Tamiami Trail Naples, FL 341 t2 THIS SPACE FOR RECORDING SATISFACTION OF MORTGAGE KNOW ALL MEN BY THESE PRESENTS: That COLLIER COUNTY, whose post office address is 3299 E TAMIAMI TRAIL, NAPLES, FLORIDA 34112, the owner(s) and holder(s) of a certain Mortgage executed by Elsa Lizeth Brightmon and Antoine Dimetris Brightmon to COLLIER COUNTY, dated December 315E 2012 and recorded on January 8" 2013 in Official Records Book 4873 Page 3390 of the Public Records of Collier County, Florida, securing a principal sum of $200,000_00 and certain promises and obligations set forth in said Mortgage, upon the property described in the aforementioned mortgage. ,COLLIER COUNTY hereby acknowledges satisfaction of said Mortgage, and surrenders the same as cancelled, and hereby directs the Clerk of said Circuit Court to cancel the same of record. This Satisfaction of Mortgage was approved by the Board of County Commissioners on Agenda Item Number 16. D. ATTEST: CRYSTAL K. KINZEL, CLERK , DEPUTY CLERK Approval for form and legality: Derek D. Perry Assistant County Attorney BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA By: WILLIAM L. MCDANIEL 7R., CHAIRPERSON 2 Q Packet Pg. 679 16.D.2.a Prepared by ]Carina Bardales Collier County Community and Human Services 3339 E. Tamiami Trail Naples, FL 34112 THIS SPACE FOR RECORDING SATISFACTION OF MORTGAGE KNOW ALL MEN BY THESE PRESENTS: That COLLIER COUNTY, whose post office address is 3299 E TAMIANH TRAIL, NAPLES, FLORIDA 34112, the owner(s) and holder(s) of a certain Mortgage executed by David Guadarrama and Virginia A. Brito to COLLIER COUNTY, dated January 7"' , 2005 and recorded on January 11" , 2005 in Official Records Book 3713 Page 2811 of the Public Records of Collier County, Florida, securing a principal sutra of $10,000.00 and certain promises and obligations set forth in said Mortgage, upon the property described in the aforementioned mortgage. ,COLLIER COUNTY hereby acknowledges satisfaction of said Mortgage, and surrenders the same as cancelled, and hereby directs the Clerk of said Circuit Court to cancel the same of record. This Satisfaction of Mortgage was approved by the Board of County Commissioners on , Agenda Item Number 1 6. D. ATTEST: CRYSTAL K. K1NZEL, CLERK , DEPUTY CLERK Approval for form and legality: Derek D. Perry Assistant County Attorney V` fiyj BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA By: WILLIAM L. MCDANIEL JR., CHAIRPERSON 2 Q Packet Pg. 680 Year Fund WBS Elem. Funds Ctr Cmmt It... 'Ca nrni[ment item name bescr. IText L 2M'741 33759.1 138791 369500 GRANT PROGRAM INCOME Admin SHIP - Oemetrls & Elsa Brightmon File #11-059 2022 791 33759.1 138791 359500 GRANT PROGRAM INCOME Admin GUAR0ARRAMA, DAVIO FILE# 03-324 RWdoc.no.COTrans. PmtOoc.No Prdx PymtMgt!PostngWe RaZocNo, 101209552 FI: Postings 101209552 6 20,000.00- 03128J2022 101209552 6 . 20,000.00- 101210069 FI: Postings 101210069 7 10,000.00- 04101J2022 101210059 A 7 . 10,000.00- .. 30,000.00- a Packet Pg. 681 Corley County Public Services Department Community & Human Services Division February 7, 2022 Hollyann Milligan Senior Loan Processor Goodleap LLC 8888 E. Raintree Dr. Suite 100 Scottsdale, AZ 85260 Re: Payoff Letter -Antoine Dimetris Brightmon and Elsa Lizeth Brightmon 946 Summerfield Dr. Naples, FL 34120 File #11-069 Mortgage Type Date Recorded OR Book/Page Amount Collier County SHIP Second Mortgage 01/08/2013 4873/3390 $20,000.00 Total Amount Due $20,000.00 No payment will be required until the property is sold, transferred, refinanced, no longer Homesteaded, or is no longer the primary residence of the homebuyer. At that time the balance of the loan is due and payable. No per diem amount required. Please include with payoff an additional $10.00 for the recording fee. Payment should be made to "Collier County Board of County Commissioners" and delivered to: Community & Human Services Division Attn: SHIP Payoff 3339 E. Tamiami Trail, Suite 211 Naples, FL 34112 Sincerely, ��"eWR V"Owl6d Karina Bardales Grants Support Specialist Community and Human Services Making Our Community Stronger, One life, One Home, One Project a rime Karina. bardales@colliercountvfl. cjo 16. D.2.d Community & Human Services Division • 3339 Tamiami Trail East, Suite 211 - Naples, Florida 34112-5361 239-252-CARE (2273) • 239-252-CAFE (2233) • 239-252-4230 (RSVP) • www.colliergov.noUhumanservices Packet Pg. 682 dIHS : 4UL Z) uowlgBia8 sooa dnjoe8 :;uewgo jV c� . CO � r (D o0Zoo ¢� co C:) o < (0 ° raj -0 CO U C c4 E W O to cu 00 0G�^ x-- rn cu2cZ1 OD Z LL , U] .� w 0 7. CO a_ a. o Q E.0 E .55 U r- � � N o U pa ' QC/) C() Cc E H 0 .� N c.2� o �� �-- LL UEWCO E co CL 0 0 � Co UUc)Z W 1_-- c Sao m 0 4t W ._.,a u_ a� ztf 0 0 0 a r� a cai co co N 03 LL! w CJ M C) N rr..w LlJ [— w Z ;--- p❑ ¢z w U � W W = J U � W Cl) 0 0 E s: 0 M CO CO N o C? 0 t-- 0 N w v ,3 co LL m LL � U U13 = 0 W p W p E ca tJ E w E 0 U ° c/) 0 U N 0 w CD tmN�DU a❑ L 10 N o a U CC,4 �- o cia�U C Ww w �W-W07w- cz z 0 m a a co 0 0 0 d E C- 0 U 0 U 0 L cu Ca m _a 0 U c� W Q IL wrn co o� a4t ri w J N f- CD `- CY) N co c INSTR 4784502 OR 4873 PG 3390 RECORDED 1/8/2013 11:42 AM PAGES 5 DWIGHT E. BROCK, CLERK OF THE CIRCUIT COURT, COLLIER COUNTY FLORIDA 16.D.2.d DOC@.35 $70.00 REC $44.00 OBLD $20,000.00 STATE HOUSING INITIATIVES PARTNERSHIP (SHIP) PROGRAM SECOND MORTGAGE THIS SECOND MORTGAGE ("Security Instrument") is given on 2k day of r JYxxn6fU , 2012. The Second Mortgagor is: Elsa Lizeth Brightmon and Antoine Dimetris Brightmon, a married couple ("Borrower"). This Security Instrument is given to Collier County SHIP TRUST FUND ("Lender'), which is organized and existing under the laws of the United States of America, and whose address is 3339 E . Tamiami Trail, Naples, Florida 34112. Borrower owes Lender the sum of Twenty Thousand and 00/100 Dollars ($20,000.00). Thisdebtis evidenced by Borrower's Note dated the same date as this Security Instrument ("Second Mortgage"), which does not provide for monthly payments. The full debt, if not paid earlier, is due upon safe of the property within the fifteen year tern. If sold after the fifteen year term, no repayment is required. As long as the borrower continues to own and occupy the assisted property during the tens of the mortgage, then the loan will not have to be repaid. This Security Instrument secures to Lender. (a) the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modifications; (b) the paymel of all other sums, with interest advanced under paragraph 7 to protect the security of the Security Instrument; and (c) the perfgr;mat oepf Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby second mortgage, grant and convey to Lender the following described property located in Collier County, Florida. As more described as prang Tree Unit 4, Citrus Greens Section PH2-A Lot 20, of the Public Records of Collier County, ar particularly Florida and which has the address o_f� - ITS mm ("Property Address"): 946 Suerfizeld'Dr Naples ET, 34120 0 (Address) (City) (State) (zip) o TOGETHER WITH all the improvernents,r ow or hereafter erected on the property, and all easements, rights, appurtenances, rents, o .R royalties, mineral, oil and gas rights and profits, "ter rights and stock and all fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by the Secu ity Instrument. All of the foregoing is referred to in this Security Instrument as the "Property". BORROWER COVENANTS that Borrower is"liwfully seized of the estate hereby conveyed and has the right to mortgage, grant and N convey the Property and that the Property is unencumbefedt eXcept for encumbrances of record. Borrower warrants and will defend generally Cn 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 a uniform security instrument covennereal property. vt UNIFORM COVENANTS. Borrower and Lender covSnant and agree as follows: 1. Payment of Principal and Interest; Prepayment a , LAte Charges. Borrower shall promptly pay when due the principal of and interest on the debt evidenced by the Note. J 2. Taxes. The Mortgagor will pay all taxes, assessments, "ertents or water rates prior to the accrual of any penalties or interest thereon. -" .1 The Mortgagor shall pay or cause to be paid, as the same resgediveiy,beoome due, (A)(1) all taxes and governmental charges of any o kind whatsoever which may at any time be lawfully assessed or levied gsyns`t,orywith respect to the Property, (2) all utility and other charges, including "service charges", incurred or imposed for the operation, maintdranee, q�eoccupancy, upkeep and improvement of the Property, and (3) all assessments or other governmental charges that may lawfully be paid in, installments over a period of years, the Mortgagor shall be obligated under the Mortgage to pay or cause to be paid only such installments as are required to be paid during the term of the Mortgage, and m shall, promptly after the payment of any of the foregoing, forward to Mortgagee €vider2c6 of such payment. u 3. Application of Payments. Unless applicable law provides otherwise; all ppyrhents received by Lender shall be applied; first, to 0 interest due; and, to principal due; and last, to any late charges due under the Note.. 1 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines and impositions attributable to the Property which may 3 attain priority over this Security Instrument, and leasehold payments or ground rents, ffany. Borrower shall promptly fumish to Lender all notices of amounts to be paid under this paragraph, and all receipts evidencing the payments.— Borrower shall promptly discharge any lien which has priority over this Security Ins(rume4 unless Borrower. (a) agrees in writing to m the payment of the obligation secured by the lien in a manner acceptable to Lender, (b) contesj�,in good faith the lien by, or defends against = enforcement of the lien in, legal proceedings which in the Lender's opinion operate to prevent the,priforcement of the lien; or (c) secures from £ the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part t of the Property is subject to a lien which may attain priority over the Security Instrument, Lender may.ie Borrower a notice identifying the lien. c° Borrower shall satisfy the lien or take one or more of the actions set forth above within 10 days of the pgl�ying oJ(.notice. 5. Hazard Property Insurance. Borrower keep the improvements now erected on the Property insured : Q or shall existing orfiereafter against loss by fire, hazards included within the term "extended coverage" and any other hazards, including floods or flooding, for which Lender requires insurance. This insurance shall be maintained in the amounts and for the periods that Lender requires:.>The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's approval which shall not be unreasonably withheld. If Borrower fails to maintain coverage described above, Lender may, at Lender's option, obtain coverage to protect Lender's rights in the Property in accordance with paragraph 7. At all times that the Note is outstanding, the Mortgagor shall maintain insurance with respect to the Premises against such risks and for such amounts as are customarily insured against and pay, as the same become due and payable, all premiums in respect thereto, including, but not limited to , all-risk insurance protecting the interests of the Mortgagor and Mortgagee against loss 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 times to be in an amount not less than the full replacement cost of the Premises, exclusive of footings and foundations. All insurance policies and renewals shall be acceptable to Lender and shall include a standard mortgage clause. Lender shall have the right to hold the policies and renewals. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, insurance 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. If the restoration or repair is not economically feasible or Lenders 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 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, then Lender may collect the insurance proceeds. Lender may use the proceeds to repair or restore the Property or to pay sums secured by this Security Instrument, whether or not then due. The 30-day period will begin when the notice is mailed. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in paragraph 1 or change the amount of the payments. If under paragraph 21 the Property is acquired by Lender, Borrowers right to any insurance policies and proceeds resulting from damage to the Property prior to the acquisition shall pass to Lender to the extent of the sums secured by this Security Instrument immediately prior to the acquisition. 6. Occupancy, Preservation, Maintenance and Protection of the Property; Borrower's Loan Application, Leaseholds. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within sixty days after the execution of this Security Instrument and shall continue to occupy the Property as Borrowers principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not 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 if any forfeiture action or proceeding, whether civil or criminal, is begun that in Lenders good faith Packet Pg. 684 OR 4873 PG 3391 16.D.2.d 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 18, by causing the action or proceeding to be dismissed with a ruling that, in Lender's good faith determination, precludes forfeiture of the Borrower's interest in the Property or other material impairment of the lien created by this Security Instrument or Lender's security interest. Borrower shall also be in default if Borrower, during the loan application process, gave materially false or inaccurate information or statements to Lender (or failed to provide Lender with any material information) in connection with the loan evidenced by the Note, including, but not limited to, representations concerning Borrower's occupancy of the Property as a principal residence. If this Security Instrument is on a leasehold, Borrower shall comply with all the provision of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 7. Protection of Lenders Rights in the Property. If Borrower fails to perform the covenants and agreements contained in this Security Instrument, or there is a legal proceeding that may significantly affect Lenders rights in the Property (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture or to enforce laws or regulations), then Lender may do and pay for whatever is necessary to protect the value of the Property and Lenders rights in the Property. Lenders actions may include paying any sums secured by a lien which has priority over this Security Instrument, appearing in court, paying reasonable attorneys' fees and entering on the Property to make repairs. Although Lender may take action under this paragraph 7, Lender does not have to do so. Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Borrower secured by this Security Instrument. Unless Borrower and Lender agree to other terms of payment, these amounts shall bear interest from the date of disbursement at the Note rate and shall be payable, with interest, upon notice from Lender to Borrower requesting payment. 8. Mortgage Insurance. If Lender required mortgage insurance as a condition of making the loan secured by this Security Instrument, Borrower shall pay the premiums required to maintain the mortgage insurance in effect. If, for any reason, the mortgage insurance coverage required by Lender lapses or ceases to be in effect, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the mortgage insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the mortgage insurance previously in effect, from an aitempte mortgage insurer approved by Lender. If substantially equivalent mortgage insurance coverage is not available, Borrower shall pay 0 Lender each month a sum equal to one -twelfth of the yearly mortgage insurance premium being paid by Borrower when the insurance coverage lapsed or ceased to be in effect. Lender will accept, use and retain these payments as a loss reserve in lieu of mortgage insurance. kdss feserye payments may no longer be required, at the option of Lender, if mortgage insurance coverage (in the amount and for the period that benderjrequires) provided by an insurer approved by Lender again becomes available and is obtained. Borrower shall pay the premiumsrequi�tamaintain mortgage insurance in effect, or to provide a loss reserve, until the requirement for M mortgage insurance ends in accordance with any written agreement between Borrower and Lender or applicable law, r 9. Inspection. Lender or its acgenimay make reasonable entries upon and inspections of the Property. Lender shall give Borrower 0 notice at the time of or prior to an inspection specifying reasonable cause for the inspection. 16or 10. Condemnation. The proceeds of any ward or claim for damages, direct or consequential, in connection with any condemnation other taking of any part of the Property, or,forconveyance in lieu of condemnation, are hereby assigned and shall be paid to Lender. In the r- e event of a total takingof the Property, the rote shall be applied to the sums secured b this Security Instrument, whether or not then due, P rtY, P � PP Y tY with any excess paid to Borrower. In the event of a partial,taking of the Property, in which the fair market value of the Property immediately � W before the taking is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the taking, unless y Borrower and Lender otherwise agree in writing, the 5rumssycured by this Security Instrument shall be reduced by the amount of the proceeds multiplied by the following fraction: (a) the total amount61 the sums secured immediately before the taking, divided by (b) the fair market value rn of the Property immediately before the taking. Any balance, shall be paid to Borrower. In the event of a partial taking of the Property in which IL the fair market value of the Property immediately before the talkingfis less than the amount of the sums secured immediately for the taking, y unless Borrower and Lender otherwise agree in writing or unless applicable law otherwise provides, the proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are>then due. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone'trdue date of the monthly payments referred to in paragraphs 1 or change the amount of such payments. 11. Borrower Not Released, Forbearance By Lender Ngt°a`Waiuer. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lp erto any successor in interest of Borrower shall not operate to release the liability of the original Borrower or Borrowers successors in,46terest. Lender shall not be required to commence proceedings 0 E against any successor in interest or refuse to extend time for payment or„otheTise modify amortization of the sums secured by this Security - Instrument by reason of any demand made by the original Borrower or BorroweessOccessors in interest. Any forbearance by Lender in M exercising any right or remedy shall not be a waiver of or preclude the exerdsoof any'right or remedy. m 12. Successors and Assigns Bound; Joint and Several Liability; Co -Signers. The covenants and agreements of this Security w Instrument shall bind and benefit the successors and assigns of Lender and Borrower, subject to the Provisions of paragraph 17. Borrowers covenants and agreements shall be joint and'5e4eral. Any Borrower who co-signs this Security a Instrument but does not execute the Note; (a) is co-signing this Security Instrument only to 0ortgage, grant and convey that Borrowers interest a in the Property under the terms of this Security Instrument; (b) is not personally obligated t6 pay the sums secured by this Security Instrument; Y and (c) agrees that Lender and any other Borrower may agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without that Borrowers consent. f m 13. Loan Charges. If the loan secured by this Security Instrument is subject to a lawwhfch sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in-bonnection with the loan exceed the permitted y limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums r already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender,,Maychoose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund,redduces principal, the reduction will be „MM treated as a partial prepayment without any prepayment charge under the Note. sR Q 14. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by dellvenpg it or by mailing it by first class mail unless applicable law required use of another method. The notice shall be directed to the Property Address or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given to Borrower or Lender when giv6h as`provided in this paragraph. 16. Governing Law; Severability. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. In the event that any provision or clause of this Security Instrument or the Note conflicts with applicable law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. To this end the provisions of this Security Instrument and the Note are declared to be severable. 16. Borrowers Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument. 17. Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lenders prior written consent, 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 exercise is prohibited by federal law as of the date of this Security Instrument. If Lender exercised this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is delivered or mailed within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 18. Borrowers Right to Reinstate. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earlier of: (a) 5 days (or such other period as applicable law may specify for reinstatement) before sale of the Property pursuant to any power of sale contained in this Security Instrument; or (b) entry of a judgment enforcing this Security Instrument. Those 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; (b) cures and default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attorney's fees; and (d) takes such action as Lender may reasonably require to assure that the lien of this Security Instrument, Lenders rights in the Property and Borrowers obligation to pay the sums secured by this Security Instrument shall continue unchanged. Upon reinstatement by Borrower, this Security Instrument and the obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under paragraph 17. 19. Sale of Note; Change of Loan Servicer. The Note or a partial interest in the Note (together with this Security Instrument) may be sold one or more times without prior notice to Borrower. A sale may result in a change in the entity (known as the "Loan Servicer') that collects monthly payments due under the Note and this Security Instrument. There also may be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the change in accordance with 4.4 Packet Pg. 685 OR 4873 PG 3392 16.D.2.d paragraph 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. 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 Environmental Law. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property. Borrower shall promptly give Lender written notice for any 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 Borrower leams, or is notified by any governmental or regulatory authority, that any removal or other remediation 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 Substances" are those substances defined as toxic or hazardous substances by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials. As used in this paragraph 20, "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection. 21. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrowers breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under paragraph 17 unless applicable law provides otherwise). The notice shall specify: (a) the default; (b) the action required to cure the default; (c) a date, not less than 30 days from the date the notice is given to Borrower, by which the default must be cured; and (d) that failure to cure the default on or before the date specified in the notice may result in acceleration of the sums secured by this Security Instrument, foreclosure by judicial proceeding and sale of the Property. The notice shall further inform Borrower of the righF-to reinstate after acceleration and the right to assert in the foreclosure proceeding the non-existence of a default or any other defense gf Bddrrower to acceleration and foreclosure. If the default is not cured on or before the date specified in the notice, Lender, at its option, may require imtr6ediate payment in full of all sums secured by this Security Instrument without further demand and may foreclose this Security Instrumerrttby judicial proceeding. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this paragraph 21, including, b)A not limited to, reasonable attorney's fees and costs of the title evidence. 22. Release. Upon payment all=sums secured by this Security Instrument, Lender shall release this Security Instrument, without charge, to Borrower. Borrower shalt y any recordation costs. 23. Attorneys' Fees. As used .rr{liis`Security Instrument and the Note, "attorneys' fees" shall include any attomeys' fees awarded by an appellate court. ` 24. Riders to this Security Instrument if one or more riders are executed by Borrower and recorded together with this Security Instrument, the covenants and agreements:of,each Ach rider shall be incorporated into and shall amend and supplement the covenants and agreements of this Security Instrument as if the ri¢er(s) were apart of this Security Instrument. (Check Applicable Box) ❑ Adjustable Rate Rider ❑ Rate Impeoyeihert Rider ❑ Condominium Rider ❑ Graduated Payment Rider ❑ 1-4 Family Rider ❑ Second Home Rider ❑ Balloon Rider ❑ Biweekly Paymert'Ride ❑ Planned Unit Development Rider ❑ Other(s) (specify J ants contained in this Security Instrument and in any rider(s) executed SIGNING BELOW, Borrower accepts and agrees to the terms an�f cover by Borrower and recorded with it. Signed, se a an eliv ed in th presence of: Witness#1: Sigh re: h Borr6wer Lizeth ghtmon France Legdan Signature: Witness#2: Signature Co -Bo, a Ant 'ne Dime s Bright:mon Signature:I [ �f �,r 0 . — Address: _ 946 'Summerfield Dr e�, l tapl2; FL 34120 STATE OF FLORIDA i' COUNTY OF COLLIER I hereby certify that on this day, Elsa Lizeth and Antoine Dimetris Brightmon before me, an officer duly authorized in the state aforesaid and in the county aforesaid to take acknowledgements, personally appeared to me known to be the person(s) described in and who executed the foregoing instrument and acknowledged before me that (He/ she/ they) executed the same for the purpose therein expressed. WITNESS my hand and officialsealintheCounty and State My Commission Expires: //I? jo (Seal) �r 1 Notary public State of Florida Fr3nce5 S Legdan ,p Eey Commissron EE15a45a k �O o, nd' ExO�ns 0 t n 62016- `- of 2012. Notary Public's Signature Frances S. Le&n SHIP File#: 11-069 SHIP Purchase Assistance Program Collier County Housing, Human & Veterans Department 3339 E. Tamiami Trail, Bldg H, Suite 211, Naples, FL 34112 m rn rn t 0 2 0 n 0 0 al m N 0 0 0 a 3 Y V R m Revised: 10/2012 Packet Pg. 686 OR 4873 PG 3393 STATE HOUSING INITIATIVES PARTNERSHIP (SHIP) PROGRAM PROMISSORY NOTE Date: December 18, 2012 I Borrower: Elsa Lizeth Brightmon and Antoine Dimetris Brightmon - 946 Summer£ield Dr Naples FL 34120 (Property Address) (City) (State) (zip) i 1. BORROWER(S) PROMISE TO PAY: I/We promise to pay Twenty Thousand and 00/100 Dollars ($20,000.00) (this amount will be called "principal") to the order of Collier County SHIP TRUST FUND or to any other holder of this Note (the "Lender"), whose address is 3339 E. Tamiami Trail, Naples, Florida 34112. I/We understand that the Lender may transfer the Promissory Note. The Lender or anyone who takes this Note by transfer and who is entitled to receive payments under this Note will be called the "Note Holder". 2. INTEREST: l e est on this Note shall be zero percent (0%) per annum; except that if I/We fail t pay Ahis Note as required, the interest rate shall be twelve percent (12%) per annum from,the,-date when payment of this Note is due until I/We pay it in full. 3. PAYMENTS: Payment -.skull is due upon sale of property within the fifteen year deferred payment loan. If sold',after the fifteen year term, no repayment is required. As long as o the borrower continues to own and occupy the assisted property during the term of the 0 mortgage, then the foan will not have to be repaid. My/Our total payment shall be U.S. o $20,000.00. �� c 4. BORROWER'S RIGHT TO PREPAi- I/We have the right to make payments of principal at any time before they are due: A payment of.principal only is known as a "prepayment". When y I/We make a prepayment, I/weit llytell the Note Holder in writing that I/we am doing so. — 1 is I/We may make a full prepayment or partial prepayment charge' The Note Holder will use a all of my prepayments to reduce2'the amount of the principal that I owe under this Note. _ If I/We make a partial prepayment; 'there will be no changes in the due date or in the M amount of my monthly payment unles��,�the; Note Holder agrees in writing to those changes. If I/We make a partial prepayment`, there; will be no prepayment penalty adhering to or n associated with such prepayment 5. LOAN CHARGES: If a law, which applies' to this loan and which sets maximum loan charges, c is finally interpreted so that .the int4Y'�st or other loan charges collected or to be 0 collected in connection with this loan e*eed^,the permitted limits; then (i) any such loan charges shall be reduced by the amouKt',;necessary to reduce the charges to the permitted limit; and (ii) any sums 'already c6l1 dcted from me which exceeded permitted m limits will be refunded to me/us. The Nofee Holder may choose to make this refund by y reducing the principal that I/We owe under th s °Note or by making a direct payment to 0 me/us. If a refund reduces principal, the tedaxct3on will be treated 'as a partial p prepayment. a `e Y 6. SUBORDINATION: Lender and Borrower acknowledge and agree that this Security Instrument i9 subject and subordinate in all respects to the liend,—,t':rms, covenants and conditions m of the First Deed of Trust and to all advances heretofore'fhade or which may hereafter be made pursuant to the First Deed of Trust including all-�-5ims.advanced for the purpose of (a) protecting or further securing the lien of the First_Deed, of Trust, curing defaults t by the Borrower under the First Deed of Trust or for any other purpose expressly o permitted by the First Deed of Trust or (b) constructing renovating, repairing, furnishing, fixturing or equipping the Property. The terms -an dprovisions of the First Q Deed of Trust are paramount and controlling, and they superseder any other terms and provisions hereof in conflict therewith. In the event of a foreclo§-pre or deed in lieu of foreclosure of the First Deed of Trust, any provisions herein, -or any provisions in any other collateral agreement restricting the use of the Property to low or moderate income households or otherwise restricting the Borrower's ability to sell the Property shall have no further force or effect on subsequent owners or purchasers of the Property. Any person, including his successors or assigns (other than the Borrower or a related entity of the Borrower), receiving 'title to the Property through a foreclosure or deed in lieu of foreclosure of the First Deed of Trust shall receive title to the Property free and clear from such restrictions. Further, if the Senior Lien Holder acquires title to the Property pursuant to a deed in lieu of foreclosure, the lien of this Security Instrument shall automatically terminate upon the Senior Lien Holder's acquisition of title, provided that (i) the Lender has been given written notice of a default under the First Deed of Trust and (ii) the Lender shall not have cured the default under the First Deed of Trust within the 30-day period provided in such notice sent to the Lender. 7. BORROWER(S) FAILURE TO PAY AS REQUESTED: (A) Default If I/we do not pay the full amount as required in Section 3 above, I/we will be in default. 'If I am in default, the Note Holder may bring about any actions not prohibited by applicable law and require me/us to pay the Note Holder's cost and expenses as described in (B) below. i (B) Payment of Note Holder's Cost and Expenses Packet Pg. 687 *** OR 4873 PG 3394 *** 16.D.2.d 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 costs and expenses, including, but not limited to, reasonable attorneys' fees. 8. GIVING 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 Address on Page 1 or at a different address if I/we give the Note Holder a notice of my/our different address. Any notice that must be given to the Note Holder under this Note will be given by mailing 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. OBLIGATIONS 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 person who is a guarantor, surety or endorser of this 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 )1ote. 10. WAIVERS: I and,dhy=,other person who has obligations under this Note waive the rights of presentment and"' of dishonor. 'Presentment" means the right to require the Note Holder to demand',paymbnt of amounts due. "Notice of Dishonor" means -the right to require the Note Holder to--g-ive`',notice to other persons that amounts due have not been paid. 11. UNIFORM SECURED NOTE This Note is a uniform instrument with limited variations in some jurisdictions. In addition ,to the protection given to the Note Holder under this Note, a Mortgage, Deed of Trust or, Security Deed (the "Security Instrument"), dated the same date as this Note, protects "the ote Holder from possible losses which might result if I/we do not keep the promises whichI/we make in this Note. That Security Instrument describes how and under what conditns I/we may be required to make immediate payment in full of all amounts I/we owe under tbas Nqte. Some of those conditions are described as follows: Transfer of the Property or a`B2neficial Interest in Borrower. If all or any part of the property or any interest in it eis , sold or transferred (or if a beneficial interest in Borrower is sold or trans ferred'`An`d Borrower is not a natural person) without Lender's prior written consent, Lender ma,V,, at its option, require immediate payment in full or all sums secured by this Security .-Fnstrument. However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument. `. If Lender exercises this option, Lender;, ha11,ggive Borrower notice of acceleration. The notice shall provide a period of not les"ban.thirty (30) days from the date the notice is delivered or mailed, within which Borrower` must pay all sums secured by this Security Instrument. If Borrower(s) fail to pay t46e,.sums prior to the expiration of this period, Lender may invoke any remedies pefmitaed Eby this Security Instrument without further notice or demand on Borrower. Notwithstanding the above, Ithe Lender's rights toJ collect and apply the insurance proceeds hereunder shall be subject and subordinate` to the rights of the Senior Lien Holder to collect and apply such proceeds in accordance with the First Deed of Trust. 12. This note is governed and construed in accordance with the of the State of Florida. WITNESS-T),FO; (S) AND SEAL(S) OF THE UNDERSIGNED. (Seal) Borrow r lsa ze Br ghtmon�, ;b RETURN TO: Collier County Housing, Human and Veteran Services Department SHIP PURCHASE ASSISTANCE PROGRAM 3339 E. Tamiami Trail, Building H, Suite 211 Naples, Florida 34112 SHIP File#: 11-069 Revised 10/2012 d rn R rn 0 0 0 a 0 t w R y IL _ 2 Cn rn n 0 E t 00 a 0 0 G o. Y m m r N E L V R a Packet Pg. 688 16. D.2.d 00d l ap- AUTWORfZI4TION TO RELEASE Ihlft]RNkATIrJ1�i ifte have applied for a mortgage loan and have previously verbally authorized and hereby re -authorize GccdLeap, LLC to order a consumer credit report. GoedLeap, LLG may also verify other credit information including past and present mortgage and langl,ord references. This also serves as an authorisation to verify my past and present employment mortgage earnings [ar employment records, bank accounts, stook holdings, and any other asset balances needed to pfiaCess my 14an application. The informalion obtained is only to be used In the processing for my appliration for a mortgage loan and may be used either before the loan is dosed or after as part of a quality control program. aulh information ation -Go you to provide to GoodLeap. LLC any and all Information and documentation that they request. Such information could include, but is not limited to, employment history and income: bank, money market, and similar account b8iances, income tax LLC returns and credit history, A copy of this authorizat on may be accepted as an original. GeodLeap, may address this authorization to Equifax, Exparian, or Transunion should they require authorization to make requested Changes within the credit profile, 11 WC authorize GeodLeap, LLC to provide this information to any fender or investor that purchases the mortgage and that lender or investor may address this authorization to any party named in the loan application. Borrowers CertifiCation: In applying for the loan, Uwe completed a loan app'licatien containing information on the Purpose of the loan, ilia amount and source of the down payment (if any), employment and income information, and assets and liabilities. it We certify that all information Is true and complete. I/We made no misrepresentations in the loan application or other documents, nor did Ilwe omit any pertinent inforrnatiton. I! We fully understand that it is a Federal Crime punishable by sine or imprisonment, or both, to knowingly make any false statements when applying for this mortgage, as applicable under the provisions of Title 18, United States Code, -Section 1014. Privacy Act; Notice of 1978: HUO and VA have the right to access financial information held by finandal institutions in i determiningCU whether to qualify a ros active applicant under their respective loan 4 f'! P p pp P programs. If you errs applying far a N HUID or VA loan, your financial records will be made available to the requesting gavemment agency without further notice IL to or authoOzation from yau, such information will not be disclosed or released outside the requesting agency except as = required or permitted by law. Prior to the time that your financial records are disclosed, you may revoke this authorization N at any time; however, your refusal to provide the information may cause your application to he delayed or rejected. If you believe that your financial records have been disclosed improperly, you may have legal rights under the Right to Financ'sal � Privacy Act of 1978 (12 USC 3400 at seq.) ti r N Privacy Policy. We take •our responsibility to protect the privacy and corfidentiality of customer information seriously. We maintain safeguards that comply with federal standards to secure and protect your information. This poilcy applies to consumers who are current or farmer customers. We gather information from your application, consumer reporting : e agencies, public sourons, and the verification of other information you provide us. We may only disclose this information as permitted by Jaw. We may provide your information without your consent to regulatory or law onforcremont officials as' at permitted by raw. on We have read the above and (Fully understand its contants_ /Z/ Packet Pg. 689 16. D.2.d From: Hollvann Milligan To: BardalesKarina Cc: Can -Lisa Subject: Re: Request for Subordination Date: Monday, February 7, 2022 2:28:47 PM Attachments: imaae001.Dna image002.pnng imaae003.Dna image004.pnng imaae005.Dna imaae006.pnng imaae007.Dna imaae008.pnng imaae009.Dna image010.pnng imaae011.Dna image561840.pnna imaae271815.Dna image031038.pnno imaae328806.Dna image599683.pnng imaae564976.Dna image815498.pnng imaae018253.Dna image282368.pnng imaae245946.Dna auth brightmon.pdf EXTERNAL EMAIL: This email is from an external source. Confirm this is a trusted sender and use extreme caution when opening attachments or clicking links. See attached. Hollyann Milligan Senior Loan Processor GoodLeap 916-772-9058 x1758 ® I hmiIIigan@goodleap.com 8888 E. Raintree Dr. Suite 100 Scottsdale, AZ 85260 N M LS# 30336 Packet Pg. 690 16. D.2.d Good Leap, LLC CA, 95661 Click here to view our complete list of license numbers. CONFIDENTIALITY NOTICE: This electronic mail message and any attached files contain information intended for the exclusive use of the individual or entity to whom it is addressed and may contain information that is pr oprietary,privileged confidential and/or exempt fromdisclosure under applicable law. THE INFORMATION CONTAINED IN THIS ELECTRONIC MAIL TRANSMISSION IS CONFIDENTIAL. If you are not the intended recipient, you are hereby notified that any viewing copying, disclosure or distribution of this information is strictly prohibited and may be subject to legal restriction or sanction. Please notify the seZer immediately by electronic mail of any unintended recipients and delete the original message without making any copies. From: BardalesKarina <Karina.Bardales@colliercountyfl.gov> Sent: Monday, February 7, 2022 10:57 AM To: Hollyann Milligan <hmilligan@goodleap.com> Cc: CarrLisa <Lisa.Carr@colliercountyfl.gov> Subject: RE: Request for Subordination Good afternoon, Please provide a signed authorization to release information from your clients, once we receive it I can send you the payoff letter. Respectfully, Karina Bardales Grants Support Specialist Community and Human Services Division Packet Pg. 691 16. D.2.d Collier County Government 3339 East Tamiami Trail, Building H., Suite 211, Naples, FL 34112 Ph. 239-252-2338 Making our Community Stronger: One life, one home, one project at a time To improve our services and technical assistance to our clients, vendors or subrecipients, we ask that you provide us feedback on our services to your organization by completing the short survey contained at the following links: Affordable Housing https://colliercouniy.col.qualtrics.com/jfe/form/SV 8iEmQdXAFQXwgY13?Program=&Sub- Program=&StaffMember=Karina%20Bardales&Client) D=&Source=E-mail Internal Partners https:llcolliercounty.col.qualtrics.com/jfe/form/SV 3gAPaHSUItXFYJD? Program=Housing%20and%20Grant%20Development&Organization=&StaffMember=Karina%20B ardales&ClientlD=&Source=E-mail From: CarrLisa <Lisa.Carr@colliercountyfl.gov> Sent: Monday, February 7, 2022 11:25 AM To: BardalesKarina <Karina.Bardales@colliercountyfl.gov> Cc: hmilligan@goodleap.com Subject: FW: Request for Subordination Hi Karina, Please prepare the below requested pay-off. Thank you. Respectfully, Lisa N. Carr Senior Grants Coordinator Community and Human Services Division Collier County Government 3339 East Tamiami Trail, Building H., Suite 211, Naples, FL 34112 Phone: 239-252-2339 lisa.carr&colliercountyfl.gov [-a Making our Community Stronger: One life, one home, one project at a time. Packet Pg. 692 16. D.2.d To improve our services and technical assistance to our clients, vendors, or subrecipients, we ask that you provide us feedback on our services to your organization by completing a short survey contain at the following links: SHIP CLIENTS: Click here to take our survey, INTERNAL PARTNERS: Click here to take our survey. From: Hollyann Milligan <hmilliganPgoodleap.com> Sent: Monday, February 7, 2022 11:22 AM To: CarrLisa <Lisa.Carr(@colliercount)lfl.gov> Subject: Re: Request for Subordination EXTERNAL EMAIL: This email is from an external source. Confirm this is a trusted sender and use extreme caution when opening attachments or clicking links. Hey Lisa, Could you please prepare a payoff statement instead? Thank you! Hollyann Milligan Senior Loan Processor N M LS# 30336 ❑ ❑ ❑ ❑ ❑ 916-772-9058 x1758 8888 E. Raintree Dr. Suite 100 Scottsdale, AZ 85260 Good Leao. LLC CN. 96661 Click hereto view our complete list of license numbers. CONFIDENTIALITY NOTICE: This electronic mail message and any attached files contain information intended for the exclusive use of the individual or entity to whom it is addressed and may contain information that is proprietary,privileged, confidential and/or exempt from disclosure under applicable law. THE INFORMATION CONTAINED IN THIS ELECTRONIC MAIL TRANSMISSION IS CONFIDENTIAL. If you are not the intended recipient, you are hereby notified that any viewing copying, disclosure or distribution of this information is strictly prohibited and may be subject to legal restriction or sanction. Please notify the sender Immediately by electronic mail of any unintended recipients and delete the original message without making any copies. From: CarrLisa <Lisa.Carr(@colliercountyfl.gov> Sent: Wednesday, February 2, 2022 5:46 AM To: Hollyann Milligan <hmilligan(@goodleap.com> Subject: RE: Request for Subordination Good morning, Packet Pg. 693 16. D.2.d I took an initial review of the subordination documents for Antoine and Elsa Brightmon. The subordination request does not meet the policy guidelines as submitted. Please see the highlighted sections the of attached policy. Please let me know if the client wishes to withdraw, make changes to their request or request a payoff for the SHIP loan. Respectfully, Lisa N. Carr Senior Grants Coordinator Community and Human Services Division Collier County Government 3339 East Tamiami Trail, Building H., Suite 211, Naples, FL 34112 Phone: 239-252-2339 Iisa.carr&colliercountyfl.gov 0 Making our Community Stronger: One life, one home, one project at a time. To improve our services and technical assistance to our clients, vendors, or subrecipients, we ask that you `2 provide us feedback on our services to your organization by completing a short survey contain at the following links: rn r N SHIP CLIENTS: Click here to take our survey. r- INTERNAL PARTNERS: Click here to take our survey. ° s= From: Hollyann Milligan <hmilligan(@goodleap.com> Sent: Tuesday, February 1, 2022 8:15 PM To: CarrLisa <Lisa.CarrPcolliercount)lfl.gov> Subject: Request for Subordination EXTERNAL EMAIL: This email is from an external source. Confirm this is a trusted sender and use extreme caution when opening attachments or clicking links. Hello There, Please find the attached request for subordination. Please let me know if you have any questions or need anything. Thank you! Hollyann Milligan Senior Loan Processor Packet Pg. 694 16. D.2.d N M LS# 30336 ❑ ❑ ❑ ❑ ❑ 916-772-9058 x1758 ❑8888 E. Raintree Dr. Suite 100 Scottsdale, AZ 85260 GaodLe . LLC CA. 95661 Click here to view m.1—list of license numbers. CONFIDENTIALITY NOTICE: This electronic mail message and any attached files contain information intended for the exclusive use of the individual or entity to whom it is addressed and may contain information that is proprietary,privileged, confidential and/or exempt from disclosure under applicable law. THE INFORMATION CONTAINED IN THIS ELECTRONIC MAIL TRANSMISSION IS CONFIDENTIAL. If you are not the intended recipient, you are hereby notified that any viewing, copying, disclosure or distribution of this information is strictly prohibited and may be subject to legal restriction or sanction. Please notify the sender immediately by electronic mail of any unintended recipients and delete the original message without making any copies. Under Florida Law, e-mail addresses are public records. If you do not want your e-mail address released in response to a public records request, do not send electronic mail to this entity. Instead, contact this office by telephone or in writing. Packet Pg. 695 16.D.2.e December 29, 2021 Liliana Perry Title Assistant Members Title Agency, LLC 6810 E. Hillsborough Avenue, MTL001 Tampa, Florida 33610 Re: Payoff Letter -David Guadarrarna & Virginia A. Brito 1284 Friendship Drive Immolcalee, FL 34142 File #03-324 Mortgage Type Date Recorded OR Booh/Page Amount Collier County SHIP Second Mort a e 01/11/2005 3713/2811 $10,000.00 Total Amount Due $10,000.00 No payment will be required until the property is sold, transferred, refinanced, no longer Homesteaded, or is no longer the primary residence of the homebuyer. At that time the balance of the loan is due and payable. No per diem amount required. Please ,include. ''with payoff an additional $10.00 far the rec0ding fee. Payment should be made to "Collier County Board of County Commissioners" and delivered to: Community & Human Services Division Attn: SHIP Payoff 3339 E. Tamiami Trail, Suite 211 Naples, FL 34112 Sincerely, vd Karina Bardales Grants Suppqrt Specialist Community and Human Services Making Our Community Stronger, One life, One Home, One Project a Time Korina.bardales@colliercountyll.gov community & Human Services IDNIslon - 3339 Tamiami Trail Epst, Suite 211 - Naples, Florida 341125361 239-252-CARE.(2273) - 239-252-CAFt (2233) � 239-252-4230 (RSVP) � www.coiliergov,netmumanseryIre s Packet Pg. 696 m N (BBeB:POW 10 U0140elsReS dIHS : 6UZ) eweiiepenE) soo(3 dnijoeg :;uewt4oeliV wes uo sliclacl cs P-PnIoul swnMl iapnoas (.0 co M Z O �4 ce < I:z C'i C, 0 M w 0 C> LL co Ce) co > o LU uj L) 0 F- -.1 0 CV - (n U- 4 < LM 0 (L in C, LLI C�l W o >; U ui Zia E o Lu E 0 0 (D Q o Ul <-o U- -1 0 0 Ld CD 72 cn CO Lu ID Lu 12 0_ Lu LU z E 0 L—L 0 Q 0 x co 0 D 0 w Z —C L 3: 0 CO Co 0 N Z IT co 04 M ce) cu EL as co c 0 OL V) 43) CC) co 4N C14 C? r— D 0 41) 0 cn LL- A Z5 cz 0 ui E E 0 ....0 ... C� cilO . z 0 O 02 0. & tz 0 5 F? — w ca �- 0 0 ..72 1 613� Q a) F5 a- Lu — Qa cco Cc", CC,3 z C, r: -ac Lu C! S w c", o C) C-) () LL 0-- CN C14 4-- 4-- z Z It fo 0 0 LU D co co CV0 >1 >1 tv ca 2 o)-Q 0- CL .. .. .. .. ..... 41) �� S? 2 z p —0 LLI -0 (D CU cu =3 CL CIO 0 Ico C a) 2 CL E E (D (D (D 0 :3 LU 03 cosy M ❑ M LU n ti CD 6 a. 4) M a. 16.D.2.e SECOND MORTGAGE Retn: 3539083 OR: 31113 PG; 2811 OBLD 10D00.00 AMERICAN HERITAGE TITLE RECORDED in the OFFICIAL RECORDS of COLLIER COUNTY, Ft DELI 10000.00 9696 BONITA BEACH RD t209 01/11/2005 at 04:11PM DNIGHT S, BROCK, CLERK RIC FEE 27,00 BONITA SPRINGS FL 34135 INDEXING 1.00 DOC-.35 35.00 Januar 7, 2200 THIS SECOND MORTGAGE ("Security Instrument") is given on Beeerrrlie — 4004. �he Second Mortgagor is Virginia Alvarez , a/k/a Virginia David Guadarrama & Virginia A. Brito/Husband and Wife Alvarez Brito ("Borrower'). This Security Instrument is given to Collier County ("Lender"), which is organized and existing under the laws of the United States of America, and whose address is 2800 North Horseshoe Drive, k400 , Naples Florida 34014 . Borrower owes Lender the sum of Ten Thousand and No/100ths Dollars (U.S. $ 10,000.00 ). This debt is evidenced by Borrowers Note dated the same date as this Security Instrument ("Second Mortgage"), which provides for monthly payments, with the full debt, if not paid earlier, due and payable on sale of property, refinance, or loss of homestead exemption_. This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, 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 (c) the performance of Borrowers covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby second mortgage, grant and convey to Lender the following described property located in Collier County, Floridan As more particularly described ;d2,,Jubilation Subdivision, Collier County, Florida and which has the address of: rn ("Property Address"): 1284 Friendship Drive Immokalee FL 34142 at TOGETHER WITH all the improyerner(ts now or hereafter erected on the property, and all easements, rights, appurtenances, rents, 0 2 royalties, mineral, oil and gas rights and profits, water rights and stock and all fixtures now or hereafter a part of the property. All replacements p and additions shall also be covered by the Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property". c BORROWER COVENANTS that Borrower is lawfully seized of the estate hereby conveyed and has the right to mortgage, grant and o convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally u 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 N jurisdiction to constitute a uniform security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: N a 1. Payment of Principal and Interest; Prepayr9#nt aV Late Charges. Borrower shall promptly pay when due the principal of and = interest on the debt evidenced by the Note. 2. Taxes. The Mortgagor will taxes y " pay all asses me s rents or water rates prior to the accrual of any penalties or interest Iwer thereon. The Mortgagor shall pay or cause to be paid, as the samb? r spectively become due, (AX1) all taxes and governmental charges of any � N kind whatsoever which may at any time be lawfully assessed or levied against or with respect to the Property, (2) all utility and other charges, including "service charges", incurred or imposed for the operation, maintenance, use, occupancy, upkeep and improvement of the Property, and m (3) all assessments or other governmental charges that may lawfully be paid'in installments over a period of years, the Mortgagor shall be E obligated under the Mortgage to pay or cause to be paid only such installments as are required to be paid during the term of the Mortgage, and 2 shall, promptly after the payment of any of the foregoing, forward to Mortgagee evidence of such payment. R 3. Application of Payments. Unless applicable law provides otherwise, all payments received by Lender shall be applied; first, to m interest due; and, to principal due; and last, to any late charges due under the Note. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines and impositions attributable to the Property which may N attain priority over this Security Instrument, and leasehold payments or ground rents, if any. Borrower shall promptly furnish to Lender all o notices of amounts to be paid under this paragraph, and all receipts evidencing the payments. 0 Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to a the payment of the obligation secured by the lien in a manner acceptable to Lender; (b) contests in good faith the lien by, or defends against 3 enforcement of the lien in, legal proceedings which in the Lenders opinion operate to prevent the enforcement of the lien; or (c) secures from Y m the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part rm of the Property is subject to a lien which may attain priority over the Security Instrument, Lender may give Borrower a notice identifying the lien. Borrower shall satisfy the lien or take one or more of the actions set forth above within 10 days of the giving of notice. y 5. Hazard or Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured E against loss by fire, hazards included within the term "extended coverage" and any other hazards, including floods or flooding, for which Lender requires insurance. This insurance shall be maintained in the amounts and for the periods that Lender requires. The insurance carrier ;a providing the insurance shall be chosen by Borrower subject to Lenders approval which shall not be unreasonably withheld. If Borrower fails to Q maintain coverage described above, Lender 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 outstanding, the Mortgagor shall maintain insurance with respect to the Premises against such risks and for such amounts as are customarily insured against and pay, as the same become due and payable, all premiums in respect thereto, including, but not limited to, all-risk insurance protecting the interests of the Mortgagor and Mortgagee against loss 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 times to be in an amount not less than the full replacement cost of the Premises, exclusive of footings and foundations. All insurance policies and renewals shall be acceptable to Lender and shall include a standard mortgage clause. Lender shall have the right to hold the policies and renewals. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, insurance proceeds shall be applied to restoration or repair of the Property damaged, if the restoration or repair is economically feasible and Lender's security is not lessened. If the restoration or repair is not economically feasible or Lenders 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 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, then Lender may collect the insurance proceeds. Lender may use the proceeds to repair or restore the Property or to pay sums secured by this Security Instrument, whether or not then due. The 30-day period will begin when the notice is mailed. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in paragraph 1 or change the amount of the payments. If under paragraph 21 the Property is acquired by Lender, Borrower's right to any insurance policies and proceeds resulting from damage to the Property prior to the acquisition shall pass to Lender to the extent of the sums secured by this Security Instrument immediately prior to the acquisition. 6. Occupancy, Preservation, Maintenance and Protection of the Property; Borrower's Loan Application, Leaseholds. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within sixty days after the execution of this Security Instrument and shall continue to occupy the Property as Borrowers principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not 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 if 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 impair materially the lien created by this Security Instrument or Lenders security Packet Pg. 698 OR; 3713 PG; 28 16.D.2.e 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 ruling that, in Lenders good faith determination, precludes forfeiture of the Borrower's interest in the Property or other material impairment of the lien created by this Security Instrument or Lenders security interest. Borrower shall also be in default if Borrower, during the loan application process, gave materially false or inaccurate information or statements to Lender (or failed to provide Lender with any material information) in connection with the loan evidenced by the Note, including, but not limited to, representations concerning Borrowers occupancy of the Property as a principal residence. If this Security Instrument is on a leasehold, Borrower shall comply with all the provision of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 7. Protection of Lender's Rights in the Property. If Borrower fails to perform the covenants and agreements contained in this Security Instrument, or there is a legal proceeding that may significantly affect Lenders rights in the Property (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture or to enforce laws or regulations), then Lender may do and pay for whatever is necessary tc protect the value of the Property and Lenders rights in the Property. Lenders actions may include paying any sums secured by a lien which has priority over this Security Instrument, appearing in court, paying reasonable attorneys' fees and entering on the Property to make repairs. Although Lender may take action under this paragraph 7, Lender does not have to do so. Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Borrower secured by this Security Instrument. Unless Borrower and Lender agree to other terms of payment, these amounts shall bear interest from the date of disbursement at the Note rate and shall be payable, with interest, upon notice from Lender to Borrower requesting payment. 8. Mortgage Insurance. If Lender required mortgage insurance as a condition of making the loan secured by this Security Instrument, Borrower shall pay the premiums required to maintain the mortgage insurance in effect. If, for any reason, the mortgage insurance coverage required by Lender lapses or ceases to be in effect, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the mortgage insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the mortgage insurance previously in effect, from an alternate mortgage insurer approved by Lender. If substantially equivalent mortgage insurance coverage is not available, Borrower shall pay to Lender each month a sum equal to one -twelfth of the yearly mortgage insurance premium being paid by Borrower when the insurance coverage lapsed or ceased to be in effect. Lender will accept, 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 insurance coverage (in 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 or applicable law. 9. Inspection. Lender or its agent may make reasonable entries upon and inspections of the Property. Lender shall give Borrower _ d notice at the time of or prior to an inspection specifying reasonable cause for the inspection. R 10. Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection with any condemnation at or other taking of any part of the Property; or for conveyance in lieu of condemnation, are hereby assigned and shall be paid to Lender. In the 0 event of a total taking of the Property, the proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, 2 with any excess paid to Borrower. In the event of a partial taking of the Property, in which the fair market value of the Property immediately o before the taking is equal to or greater than the ilmount of the sums secured by this Security Instrument immediately before the taking, unless a Borrower and Lender otherwise agree in writing, tfle sums secured by this Security Instrument shall be reduced by the amount of the proceeds ; multiplied by the following fraction: (a) the total`aphount of the sums secured immediately before the taking, divided by (b) the fair market value of the Property 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 sums secured immediately for the taking, N unless Borrower and Lender otherwise agree in writing or unless applicable law otherwise provides, the proceeds shall be applied to the sums rn secured by this Security Instrument whether or not the sums are then due. Unless Lender and Borrower otherwise agree in writing, any a application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in paragraphs 1 or change y the amount of such payments. 11. Borrower Not Released, Forbearance By Len 'No Not j, Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument gran Lender to an successor in interest of Borrower shall not o Y Y Aerate to release the liability of the original Borrower or Borrowers successors.in interest. Lender shall not be required to commence proceedings � against any successor in interest or refuse to extend time for paymer r otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or Borrower's successors in interest. Any forbearance by Lender in E exercising any right or remedy shall not be a waiver of or preclude the.exercise of any right or remedy. 12. Successors and Assigns Bound; Joint and Several Liability; Co -Signers. The covenants and agreements of this Security r`a Instrument shall bind and benefit the successors and assigns of Lender and Borrower, subject to the � R Provisions of paragraph 17. Borrower's covenants and agreements shall be joint and several. Any Borrower who co-signs this Security 3 Instrument but does not execute the Note; (a) is co-signing this Security Instrument only to mortgage, grant and convey that Borrowers interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; U and (c) agrees that Lender and any other Borrower may agree to extend, modify, forbear or make any accommodations with regard to the terms 0 of this Security Instrument or the Note without that Borrowers consent. 13. Loan Charges. If the loan secured by this Security Instrument is subject to a law which sets maximum loan charges, and that CL law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the loan exceed the permitted 0 limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums f0 Co already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender, may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a rekft" roduces principal, the reduction will be C treated as a partial prepayment without any prepayment charge under the Note. rA 14. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by mailing it by first s class mail unless applicable law required use of another method. The notice shall be directed to the Property Address or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given to Borrower or Lender when given as provided in this paragraph. Q 15. Governing Law; Severability. This Security Instrument shall be governed by federal law and the faw of the in jurisdiction which the Property is located. In the event that any provision or clause of this Security Instrument or the Note conflicts with applicable law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. To this end the provisions of this Security Instrument and the Note are declared to be severable. 16. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument. 17. Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lenders prior written consent, 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 exercise is prohibited by federal law as of the date of this Security Instrument. If Lender exercised this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is delivered or mailed within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 18. Borrowers Right to Reinstate. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earlier of: (a) 5 days (or such other period as applicable law may specify for reinstatement) before sale of the Property pursuant to any power of sale contained in this Security Instrument; or (b) entry of a judgment enforcing this Security Instrument. Those 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, (b) cures and default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attorney's fees; and (d) takes such action as Lender may reasonably require to assure that the lien of this Security Instrument, Lender's rights in the Property and Borrowers obligation to pay the sums secured by this Security Instrument shall continue unchanged. Upon reinstatement by Borrower, this Security Instrument and the obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under paragraph 17. 19. Sale of Note; Change of Loan Servicer. The Note or a partial interest in the Note (together with this Security Instrument) may be sold one or more times without prior notice to Borrower. A sale may result in a change in the entity (known as the "Loan Servicer) that collects monthly payments due under the Note and this Security Instrument. There also may be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the change in accordance with paragraph 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. Packet Pg. 699 *** OR; 3713 PG; 281 16.D.2.e 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 Environmental Law. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property. Borrower shall promptly give Lender written notice for any 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 Borrower learns, or is notified by any governmental or regulatory authority, that any removal or other remediation 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 Substances" are those substances defined as toxic or hazardous substances by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials. As used in this paragraph 20, "Environmental Law' means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection. 21. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrowers breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under paragraph 17 unless applicable law provides otherwise). The notice shall specify: (a) the default; (b) the action required to cure the default; (c) a date, not less than 30 days from the date the notice is giver to Borrower, by which the default must be cured; and (d) that failure to cure the default on or before the date specked in the notice may result in acceleration of the sums secured by this Security Instrument, foreclosure by judicial proceeding and sale of the Property. The notice shall further inform Borrower of the right to reinstate after acceleration and the right to assert in the foreclosure proceeding the non-existence of a default or any other defense of Borrower to acceleration and foreclosure. If the default is not cured on or before the date speed in the notice Lender, at its option, may require immediate payment in full of all sums secured by this Security Instrument without further demand and may foreclose this Security Instrument by judicial proceeding. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this paragraph 21, including, but not limited to, reasonable attorney's fees and costs of the title evidence. 22. Release. Upon payment of all sums secured by this Security Instrument, Lender shall release this Security Instrument, without charge, to Borrower. Borrower shall pay any recordation costs. 23. Attorneys' Feesr^As used in this Security Instrument and the Note, "attorneys' fees" shall include any attorneys' fees awarded b, an appellate court. 24. Riders to this Security Instrument. If one or more riders are executed by Borrower and recorded together with this Security Instrument, the covenants and agreements of each such rider shall be incorporated into and shall amend and supplement the covenants and agreements of this Security Instrument as if the riders) were a part of this Security Instrument. (Check Applicable Box) ❑ Adjustable Rate Rider ❑ Rated!- provement Rider ❑ Condominium Rider ❑ Graduated Payment Rider ❑ 1-4 i=arrTity Rider El Second Home Rider ❑ Balloon Rider ❑ Biweekly Payment Rider ❑ Planned Unit Development Rider ❑ Others) (specify SIGNING BELOW, Borrower accepts and agrees to the te�his 4i ovenants contained in this Security Instrument and in any rider(s) executed by Borrower and recorded with it. Signed, sealed and delivered in the presence of: Sgnature: iv�i��L=_fir Y{a a orrower David Guadarrama Co - A. Brito Address: 128`4Ffiendship Drive, Immokalee, FL 34142 STATE OF FLORIDA COUNTY OF Collier I hereby certify that on this day, before me, an officer duly authorized in the state aforesaid and in the county aforesaid to take Virginia Alvarez a/k/a Virginia Alvarez acknowledgements, personally appeared David Guadarrama & Virginiausband A. Brite, �,/ antomde knowi�w to b the<per n(s) described in and who Bri �t 7 executed the foregoing instrument and acknowledged before me that /she/ they) executed the same for tFte 4urpose therein expressed. WITNESS my hand and official seal in the County and St day of January 20 05 My Commission Expires: (Seal) °''cWILLIAM R. BANYASZ MY COMMISSION M DD 301968 EXPIRES jury t9 M. 8=W 2Mu rronn Ptm urdKwAlers File#: 03-324 d rn R iT 0 0 c 0 U N to a rn rn r` N m E R L L R R 3 N 0 0 0 a 0 0 V R m Packet Pg. 700 16.D.2.e From: LILIANA PERRY To: BardalesKarina Subject: GUDARRAMA PAYOFF REQUEST 01-68846 Date: Tuesday, December 28, 2021 4:47:50 PM Attachments: imaae001.jQa image002Jpg GUADARRAMA BA.Ddf GUADARRAMA PAYOFF REQUEST LETTER.pdf GUADARRAMA COLLIER COUNTY MTG.Ddf EXTERNAL EMAIL: This email is from an external source. Confirm this is a trusted sender and use extreme caution when opening attachments or clicking links. Please find attached request for a payoff for a mutual client. Let me know if you have any questions! Liliana Perry T Post Closing — Title Assistant in Members Title Agency, LLC a x 6810 E. Hillsborough Avenue, MTL001, Tampa, Florida 33610 Toll Fee: 800.999.5887 ext. 86214 1 P: 813.622.8833 1 F: (813)628-6464 a, r` www.floridamta.org N u The information transmitted is intended only for the person or entity to which it is addressed and may contain confidential and/or privileged material. Any review, retransmission, dissemination or other use of this information by persons or entities other than the intended recipient(s) is unauthorized and prohibited. Any transmission of confidential and/or privileged material to persons or entities other than the intended recipient(s) shall not be construed as a waiver of any privilege or confidence. If you receive this transmission in error, please contact the sender and delete the material. The information transmitted is intended only for the person or entity to which it is addressed Packet Pg. 701 16.D.2.e and may contain confidential and/or privileged material. Any review, retransmission, dissemination or other use of this information by persons or entities other than the intended recipient(s) is unauthorized and prohibited. Any transmission of confidential and/or privileged material to persons or entities other than the intended recipient(s) shall not be construed as a waiver of any privilege or confidence. If you receive this transmission in error, please contact the sender and delete the material. Packet Pg. 702 16.D.2.e IBORROWERS CERTIFICATION AND AUTHORIZATION I The undersigned certify the following: 1. I/We have applied for a mortgage loan with: Suncoast Credit Union 2. In applying for the loan, I/We completed a loan application containing various information on the purpose of the loan, the amount and the source of the down payment, employment and income information, and assets and liabilities. I/We certify that all of the information is true and complete. IMe made no misrepresentation in the new loan application or other documents, nor did I/We omit any pertinent information. 3. I/We understand and agree that Suncoast Credit Union reserves the right to change the mortgage loan review process to expand documentation requirements. This may include, but is not limited to, verifying the information provided on the application directly with an employer and/or a financial institution. a, 4. I/We fully understand that it is a Federal crime punishable by fine or imprisonment, or both, to knowingly make any false statements when applying for this mortgage, as applicable under the provisions of Title 18, United o States Code, Section 1014. o AUTHORIZATION TO RELEASE INFORMATION Mn TO WHOM IT MAY CONCERN: a Cl) 1. I/We have applied for a mortgage loan with: Suncoast Credit Union. As part of the application process, °- Suncoast Credit Union may verify information contained in my/our loan application and in other documents Cn required in connection with the loan, either before the loan is closed or as part of its Quality Control Program. 0I/We authorize you to provide Suncoast Credit Union and/o embers Title Anency, LLC to an investor to whom Suncoast Credit Union may sell my/our mortgage, any and all information and docum-..---.-.. a they may request. Such information includes, but is not limited to, employment history and income; bank, co E money market and similar account balances; credit history; and copies of income tax returns. L 3. Suncoast Credit Union or any investor that purchases the mortgage, may address the authorization to any L party named in the loan application. 4. A copy of this authorization may be accepted as an original. 5. Your prompt reply to Suncoast Credit Union or its investor that purchased the mortgage, is appreciated. 0 0 a Borrowers Signatures: m ,� IDl�,,� �/-2 f r E orrower - DAVID GUADARRAMA Date a l I! I I I I IIIII IIIIII IIIII II IIII IIII II IIIII IIIII IIIII IIII IIIIIIIIIIIIII IIIIIIII IIII IIIII IIIIII {IIII IIIII III * 2 1 7 8 8 9* � M C B O R R C E R T Mortgage Cadence Document Center O PA12225 04/18 (1 of 1) Borrowers Certification & Authorization Packet Pg. 703