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
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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
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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-
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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
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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,
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particularly
Florida and which has the address o_f� -
ITS
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("Property Address"): 946 Suerfizeld'Dr Naples ET, 34120
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(Address) (City) (State) (zip)
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TOGETHER WITH all the improvernents,r ow or hereafter erected on the property, and all easements, rights, appurtenances, rents,
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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
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convey the Property and that the Property is unencumbefedt eXcept for encumbrances of record. Borrower warrants and will defend generally
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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
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jurisdiction to constitute a uniform security instrument covennereal property.
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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
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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
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shall, promptly after the payment of any of the foregoing, forward to Mortgagee €vider2c6 of such payment.
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3. Application of Payments. Unless applicable law provides otherwise; all ppyrhents received by Lender shall be applied; first, to
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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
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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
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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
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the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part
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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.
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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
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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
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mortgage insurance ends in accordance with any written agreement between Borrower and Lender or applicable law,
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9. Inspection. Lender or its acgenimay make reasonable entries upon and inspections of the Property. Lender shall give Borrower
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notice at the time of or prior to an inspection specifying reasonable cause for the inspection.
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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
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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,
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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
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before the taking is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the taking, unless
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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
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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
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the fair market value of the Property immediately before the talkingfis less than the amount of the sums secured immediately for the taking,
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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
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against any successor in interest or refuse to extend time for payment or„otheTise modify amortization of the sums secured by this Security
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Instrument by reason of any demand made by the original Borrower or BorroweessOccessors in interest. Any forbearance by Lender in
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exercising any right or remedy shall not be a waiver of or preclude the exerdsoof any'right or remedy.
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12. Successors and Assigns Bound; Joint and Several Liability; Co -Signers. The covenants and agreements of this Security
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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
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Instrument but does not execute the Note; (a) is co-signing this Security Instrument only to 0ortgage, grant and convey that Borrowers interest
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in the Property under the terms of this Security Instrument; (b) is not personally obligated t6 pay the sums secured by this Security Instrument;
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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
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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
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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
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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
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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
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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
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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
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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. °
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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
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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
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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:
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("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,
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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
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and additions shall also be covered by the Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property".
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BORROWER COVENANTS that Borrower is lawfully seized of the estate hereby conveyed and has the right to mortgage, grant and
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convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally
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the title to the Property against all claims and demands, subject to any encumbrances of record.
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THIS SECURITY INSTRUMENT combines uniform covenants for national use and non -uniform covenants with limited variation by
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jurisdiction to constitute a uniform security instrument covering real property.
UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows:
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1. Payment of Principal and Interest; Prepayr9#nt aV Late Charges. Borrower shall promptly pay when due the principal of and
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interest on the debt evidenced by the Note.
2. Taxes. The Mortgagor will taxes
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pay all asses me s rents or water rates prior to the accrual of any penalties or interest
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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
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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
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(3) all assessments or other governmental charges that may lawfully be paid'in installments over a period of years, the Mortgagor shall be
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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
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shall, promptly after the payment of any of the foregoing, forward to Mortgagee evidence of such payment.
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3. Application of Payments. Unless applicable law provides otherwise, all payments received by Lender shall be applied; first, to
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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
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attain priority over this Security Instrument, and leasehold payments or ground rents, if any. Borrower shall promptly furnish to Lender all
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notices of amounts to be paid under this paragraph, and all receipts evidencing the payments.
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Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to
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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
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enforcement of the lien in, legal proceedings which in the Lenders opinion operate to prevent the enforcement of the lien; or (c) secures from
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the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part
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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.
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5. Hazard or Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured
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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
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providing the insurance shall be chosen by Borrower subject to Lenders approval which shall not be unreasonably withheld. If Borrower fails to
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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
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notice at the time of or prior to an inspection specifying reasonable cause for the inspection.
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10. Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection with any condemnation
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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
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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
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before the taking is equal to or greater than the ilmount of the sums secured by this Security Instrument immediately before the taking, unless
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Borrower and Lender otherwise agree in writing, tfle sums secured by this Security Instrument shall be reduced by the amount of the proceeds
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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,
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unless Borrower and Lender otherwise agree in writing or unless applicable law otherwise provides, the proceeds shall be applied to the sums
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secured by this Security Instrument whether or not the sums are then due. Unless Lender and Borrower otherwise agree in writing, any
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application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in paragraphs 1 or change
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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
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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
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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
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Instrument shall bind and benefit the successors and assigns of Lender and Borrower, subject to the
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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;
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and (c) agrees that Lender and any other Borrower may agree to extend, modify, forbear or make any accommodations with regard to the terms
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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
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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
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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
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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
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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
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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.
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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
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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.
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File#: 03-324
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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,
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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.
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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
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States Code, Section 1014.
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AUTHORIZATION TO RELEASE INFORMATION
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TO WHOM IT MAY CONCERN:
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1. I/We have applied for a mortgage loan with: Suncoast Credit Union. As part of the application process,
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Suncoast Credit Union may verify information contained in my/our loan application and in other documents
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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,
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money market and similar account balances; credit history; and copies of income tax returns.
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3. Suncoast Credit Union or any investor that purchases the mortgage, may address the authorization to any
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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.
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Borrowers Signatures:
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orrower - DAVID GUADARRAMA Date
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IIII II IIIII IIIII IIIII IIII IIIIIIIIIIIIII IIIIIIII IIII IIIII IIIIII {IIII IIIII III
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Mortgage Cadence Document Center O PA12225 04/18 (1 of 1) Borrowers Certification & Authorization
Packet Pg. 703