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Agenda 07/12/2022 Item #16D11 (2 Mortgage Satisfaction with SHIP)07/12/2022 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 $21,750 and approve the associated Budget Amendment to appropriate repayment amount totaling $21,750. (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: The State Housing Initiatives Partnership Program (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 fall. As such, satisfactions of mortgage are required. File # Name Reason for Public Record Mortgage Payoff Payoff Amount Amount 06-185 Nadeje Dumel Sold Home OR 4318/PG 1814 $18,750 $18,750 09-230 Wilson Rivera and Sold Home OR 4550/PG 2022 $3000 $3,000 Elvia J. Torres Total $18,750 $21,750 Approval of this item 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 $21,750 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 $21,750 in program income, of which five percent (5%) will be used as administrative funds. Recording fees of $10 each have been paid by Nadeje Dumel and Wilson Rivera. LEGAL CONSIDERATIONS: This item is approved for form and legality and requires 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 $21,750 and approve the associated Budget Amendment to appropriate repayment amount totaling $21,750. Prepared By: Karina Bardales, Grants Support Specialist, Community & Human Services Division ATTACHMENT(S) 1. Backup docs-Dumel (PDF) I Packet Pg. 1540 07/12/2022 2. Backup docs-Rivera (PDF) 3. SHIP SOM (PDF) 4. SAP $21,750 (PDF) Packet Pg. 1541 07/12/2022 COLLIER COUNTY Board of County Commissioners Item Number: 16.1). 11 Doe ID: 22376 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 $21,750 and approve the associated Budget Amendment to appropriate repayment amount totaling $21,750. (SHIP Grant Fund 791) Meeting Date: 07/12/2022 Prepared by: Title: — Community & Human Services Name: Karina Bardales 05/26/2022 1:05 PM Submitted by: Title: Manager - Federal/State Grants Operation — Community & Human Services Name: Kristi Somitag 05/26/2022 1:05 PM Approved By: Review: Community & Human Services Lisa Carr Additional Reviewer Communications, Government, and Public Affairs Lisa Weinmann Community & Human Services Blanca Aquino Luque Additional Reviewer Community & Human Services Maggie Lopez Additional Reviewer Community & Human Services Jacob LaRow Additional Reviewer Community & Human Services Kristi Sonntag CHS Review Capital Project Planning, Impact Fees, and Program Management Gino Santabarbara Operations & Veteran Services Kimberley Grant Additional Reviewer Public Services Department Todd Henry PSID Level 1 Reviewer Public Services Department Tanya Williams PSID Department Head Review County Attorney's Office Derek D. Perry Level 2 Attorney Review Grants Erica Robinson Level 2 Grants Review Office of Management and Budget Debra Windsor Level 3 OMB Gatekeeper Review Office of Management and Budget Christopher Johnson Additional Reviewer County Attorney's Office Jeffrey A. Klatzkow Level 3 County Attorney's Office Review Grants Therese Stanley Additional Reviewer Completed 06/16/2022 1:40 PM Additional Reviewer Completed Completed 06/16/2022 4:05 PM Completed 06/16/2022 4:09 PM Completed 06/17/2022 8:07 AM Completed 06/17/2022 8:47 AM Additional Reviewer Completed Completed 06/17/2022 10:36 AM Completed 06/17/2022 11:00 AM Completed 06/17/2022 12:40 PM Completed 06/20/2022 9:41 AM Completed 06/27/2022 3:30 PM Completed 06/28/2022 8:42 AM Completed 06/28/2022 12:08 PM Completed 06/28/2022 3:24 PM Completed 06/29/2022 2:25 PM I Packet Pg. 1542 1 07/12/2022 County Manager's Office Board of County Commissioners Geoffrey Willig Level 4 County Manager Review Geoffrey Willig Meeting Pending Completed 07/01/2022 9:40 AM 07/12/2022 9:00 AM I Packet Pg. 1543 1 cdhey County Public Services Department Community & Human Services Division March 31, 2022 Norma Laliberte Habitat for Humanity of Collier County 11145 Tamiami Trail East Naples, FL 34113 Re: Payoff Letter-Nadeje Dumel 1489 Peace Way Immokalee, FL 34142 Payoff #1 - 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 lien amount is due and payable. Mortgage/Lien Type Date Recorded OR Book/Page Amount Due e ct F—IV71V r n -x1r * D rra X XIL)1� $ $ 44 InteAt r ,Xn t *4-1aAN)4E3 5 Payoff #2 - 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. Mortgage/Lien Type Date Recorded OR Book/Page Amount Due Collier County SHIP 01/07/2008 4318/1814 $18,750.00 Second Mortgage File #06-185 Payment should be made to "Collier County Board of County Commissioners" and delivered to: Community & Human Services Division Attn: Lisa N. Carr 3339 E. Tamiami Trail, Suite 211 Naples, FL 34112 I 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) - wvvw.colliergov.noUhumanservicas I Packet Pg. 1544 Please include a separate check in the amount of $10.00 for each payoff amount made payable to: Collier County Board of County Commissioners for the cost of recording. Sincerely, K"6vivuB"dv,lek Grants Support Specialist Packet Pg. 1545 -A2,eq uo suam ce C dIHS 9LEZZ) lown(3-soop dmjoeg :;uewtjoe)jV cc CL -j C3 C) 13 La CCT 41 ZZ LL, zu 4:x 0 M LL 1411 0 Lu 0: >M 4L9 0. 0 m Z Lu w 0 Co. 0 4—J CY) 00 =Z M Occ coi fm_ (0) (D CD o LLI co It f:L LLI LU In �!4 LO co dIHS : 9LEZZ) lown(3-soop dmjoeg :;uewti:)e)IV in Q 0 < C-4 0 2 CN MLL m Ir P, n LU a 8 m �o \.) 2 -�r Z LU to Jc ON, C) -Ui- 1083 = z (8) Z, 0 Lag Lu < cuo m CL z LU m CD E E 0 C) 45 6- m C) z, 0 (D W LL MO RW CC 17P - 0 7W NEV.: �a LO LO co JUVI Laul�ap un, .- T­ NAPLES FL 34108 2709 THIS SECOND MORTGAGE ("Security Instrument") is given on OJ12 Z_ 2007. The Second Mortgagor is: Nadeje Dumel, a singie woman ("Borrower"). This Secuhty 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 3301 E. Tamiami Trail, Naples, Florida 34112 Borrower owes Lender the sum of Eighteen Thousand Seven Hundred Fif and 00/100 Dollars ($18 750. 00). This debt is evidenced by Borrower's Note dated the same aate as this becunty 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 Secudty Instrument-, and (c) the performance of Borrower's covenants and agreements under this Secuhty Instrument and the Note. For this purpose, Borrower does hereby second mortgage, grant and convey to Lender the following descr�ibed property located in Coll e o �inty, Florida. As more particulady ("Property Address"): Phase 11, Collier County, Florida and which has the address of: Immokalee, Florida 34142 TOGETHER WITH all the impr6yeflienig now or hereafter erected on the property, and all easements, rights, appurtenances, rents, hereafter a part of the property. All replacements royalties, mineral, oil and gas rights and �rofits, water �ghts and stock and all fixtures now or the "Property". and additions shall also be covered by the Security ln�trument. All of the foregoing is referred to in this Security Instrument as BORROWER COVENANTS that Borrowey.d. lawfully seized of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unenctimbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, . subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines.-un orm covenants for national use and non -uniform covenants with limited variation by jurisdiction to constitute a uniform security instrument i eriW real property. UNIFORM COVENANTS. Borrower and Lender c6vehant and agree as follows: 11 � 4 �d Late Charges. Borrower shall promptly pay when due the principal of and 1. Payment of Principal and Interest; PrepayMe, ,4., interest on the debt evidenced by the Note. 2. Taxes. The Mortgagor will pay all taxes, assessmentp, sewer rents or water rates prior to the accrual of any penalties or interest thereon. The Mortgagor shall pay or cause to be paid, as the sarno-respectively become due, (A)(1) all taxes and governmental charges of any ssed or levied against or with respect to the Property, (2) all utility and other charges, kind whatsoever which may at any time be lawfully asse rty, anc including "service charges", incurred or imposed for the operation, maintenance, use, occupancy, upkeep and improvement of the Prope (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 instalh-nents as are required to be paid during the term of the Mortgage, and shall, promptly after the payment of any of the foregoing, forward to Mortgagee.evidence of such payment. �4 " ' 11 ayments received by Lender shall be applied; first, to 3. Application of Payments. Unless applicable law provides othe, ise 1p interest due- and, to principal due- and last, to any late charges due under thdiNft.11 a g�, and impositions attributable to the Property which ma) 4. Charges; Liens. B�rrower shall pay all taxes, assessments, &6 attain priority over this Security Instrument, and leasehold payments or ground ;;V4 Borrower shall promptly furnish to Lender all notices of amounts to be paid under this paragraph, and all receipts evidencing thtpiayrnents. Borrower shall promptly discharge any lien which has priority over this S , ecdn'ty Instrument unless Borrower: (a) agrees in writing to 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 enforcement of the lien in, legal proceedings which in the Lender's opinion operate to prevent the enforcement of the lien-, or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which may attain priodty over the Security Instrument, Leri* Wy 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 bfthleglying of notice. 5. Hazard or Property Insurance. Borrower shall keep the improvements now existing orbeteafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage" and any other hazards, indtoing floods or flooding, for which Lendei requires insurance. This insurance shall be maintained in the amounts and for the pedods that Lendle"Frequires. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's approval which shall not beunreasonably withheld. if Borrower fails t, 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 theretc including, but not limited to , all-risk insurance protecting the interests of the Mortgagor and Mortgagee against loss or damage to the Premise! by fire, lightning, and other casualties customarily insured against (including boiler explosion, if appropdate), 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 renew 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 mac 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 day a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may collect the insurance proceeds. Lender may us 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 perio( will begin when the notice is mailed. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to pdncipal shall nol extend or postpone the due date of the monthly payments referred to in paragraph I or change the amount of the payments. If under paragra 21 the Property is acquired by Lender, Borrower's right to any insurance policies and proceeds resulting from damage to the Property prior to h.11 nq,-Q tn I Pnrier to the extent of the sums secured by this Security Instrument immediately prior to the acquisition. 0 0 0 Cn (n CD E U 0 U M M r_ 0 E U M of . the Property as a principal residence. If this Security Instrument is on a leasehold, Borrower shall comply wan an ine provisiun Ul Lilt! IUCIW�- 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 to protect the value of the Property and Lenders rights in the Property. Lencler's 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 perii6Othat Lender requires) provided by an insurer approved by Lender again becomes available and is obtained. Borrower shall pay the preimkims 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 ag6nt may make reasonable entries upon and inspections of the Property. Lender shall give Borrower notice at the time of or prior to an inspeloln specifying reasonable cause for the inspection. 10. Condemnation. The proceecls of any award or claim for damages, direct or consequential, in connection with any condemnatior 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 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, 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 before the taking is equal to or greater than,jbie,#nount of the sums secured by this Security Instrument immediately before the taking, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before the taking, divided by (b) the fair market value of the Property immediately before the taking. Any baloaciii,shall be paid to Borrower. In the event of a partial taking of the Property in which the fair market value of the Prop" immediately befor 1. e th I ejaking is less than the amount of the sums secured immediately for the taking, unless Borrower and Lender otherwise agree in writing or Of4ess applicable law otherwise provides, the proceeds shall be applied to the sums secured by this Security Instrument whether or not the t , i6ims4re then due. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or on_e,;the. due date of the monthly payments referred to in paragraphs 1 or change the amount of such payments. 11. Borrower Not Released, Forbearance By LenderNot a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to any successor in interest of Borrower shall not operate to release the liability of the original Borrower or Borrowers successors in interest. Lender shall not be required to commence proceedings . against any successor in interest or refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or Bo ' rrower's successors in interest. Any forbearance by Lender in 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 Instrument shall bind and benefit the successors and assigns of Lender and-garrower, subject to the Provisions of paragraph 17. Borrowers covenants and agreements shall ti0jigint and several- Any Borrower who co-signs this Security Instrument but does not execute the Note; (a) is co-signing this Security Inst , rument only to mortgage, grant and convey that Borrowers interes in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower may agree to extend, modify, forb ear or,make any accommodations with regard to the errr 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 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 limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce #id'charge to the permitted limit-, and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borro0er., Le d er may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund . reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge under the Note. 14. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by mailing it by first class mail unless applicable law required use of another method. The notice shall be directed to the Pro eity Address or any other address ,p, Borrower designates by notice to Lender. Any notice to Lender shall be given to Borrower or Lender. whimi given as provided in this paragrapIr 15. Governing Law; Severability. This Security Instrument shall be govemed by federal , law and the law of the jurisdiction in whict 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 Lencler's prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument. However, this option sh 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 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. Borrower's Right to Reinstate. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of thi,- 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 Securit) Instrument and the Note as if no acceleration had occurred- (b) cures and default of any other covenants or agreements; (c) pays all expense incurred in enforcing this Security Instrument, including, bui not limited to, reasonable attorney's fees; and (d) takes such action as Lender m( reasonably require to assure that the lien of this Security Instrument, Lender's rights in the Property and Borrower's obligation to pay the sum: secured bv this Security Instrument shall continue unchanged. Upon reinstatement by Borrower, this S . ecurity Instrument and the obligations 0 0 0 V) U) 2.1� 7@ E U 0 U M M U 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 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 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 specified 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 paragraphl"ofuding, but not limited to, reasonable attorney's fees and costs of the title evidence. 22. Release. Upon pa�pjd' 'of all sums secured by this Security Instrument, Lender shall release this Security Instrument, without charge, to Borrower. Borrowe"�all['P�-any recordation costs. 23. Attorneys' Fees..'A's used in this Security Instrument and the Note, "attorneys' fees" shall include any aftomeys'fees awarded b an appellate court. 24. Riders to this Secuft 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 rider(s) were a part of this Security Instrument. (Check Applicable Box) FlAdjustable Rate Rider F-1 Ratelrhnll�ovement Rider Condominium Rider F I Graduated Payment Rider F-1 14,Fp4ly Rider Second Home Rider F] Balloon Rider El BiweekIT-P �­, e)ot Rider Planned Unit Development Rider ir�,N J F-1 Other(s) (specify (fl, A SIGNING BELOW, Borrower accepts and agrees to the terms"ahc!'covenants contained in this Security Instrument and in any rider(s) executec by Borrower and recorded with it. Signed, sealed an delivered in the presence of: Witness#1: Si�lnature­:22 Borrqrv�er Nadeje Dumel Signature: 0 Witness#2: ka� Signatu Co -Bo rr.,, Signature: "N Way Address'. 1489-1 Iminok,!;'e. Florida 34142 STATE OF FLORIDA COUNTY OF C o (f-- I hereby certify that on this day, before me, an officer duly authorized in the state afore FAI-a-0d in the county aforesaid to take acknowledgements, personally appeared Nadeje Dumel, to me known to be the person(s) described,in3pd,who executed the foregoing "N J, instrument and acknowledged before me that (He/ she/ they) executed the same for the purpose therein ex. ressed. WITNESS my hand and official seal in the County and State aforesaid this 1'5 da of Or_Qer 20_0 My Commission Expires: �2, Nofa-X Public's Signat (Seal) N'ORMA LORA-TRE,110 Notary's -Printed Name 0 ­)VIMISSION 0 DD590,139 'XP!RES: August 29,20R, NotwyDscountAmm.C, E:::i::� 0 0 0 L U) (L FE U) Cl) C14 FN!- File#: 06-185 From: Norma Laliberte To: BardalesKarina Subject: Nadeje Durnel - 1489 Peace Way, Immokalee, FL 34142 Date: Wednesday, March 30, 2022 9:43:56 AM Attachments: irnaae001.Dna irnage002.png Jrnage003.pnq imageQ04.pno 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. Good morning Karina, Please I need the payoff for impact fees & SHIP for this property. Thanks Norma Laliberte Assistant Director, Family Selection Habitat for Humanity of Collier County 11145 Tamiami Trail East I Naples, FL 34113 Office: 239-775-0036 1 Fax:775-0477 habitatcollier.ora 19(3@(3 Better tornorrow, Rui It today. Habitat lor Ho=1,1y' L r . CONFIDENTIALITY: This e-mail and any files transmitted with it are the property of Habitat for Humanity of Collier County, Inc., are confidential, and are intended solely for the use of the individual or entity to whom this e-mail is addressed. If you are not one of the named recipient(s) or otherwise have reason to believe that you have received this message in error, please notify the sender at (239) 775-0036 and delete this message immediately from your computer. Any other use, retention, dissemination, forwarding, printing, or copying of this e-mail is strictly prohibited. I Packet Pg. 1551 1 March 30, 2022 Nations Lending Services Attn: Processing Dept. 9001 W. 67"' St. Merriam KS 66202 Re: Payoff Letter -Wilson N. Rivera and Elvia J. Torres 1700 45" Terrace SW Naples, FL 34116 File #09-230 Mortgage Type Date Recorded OR Book/Page Amount Collier Count SHIP Second Mortgage 03/30/2010 OR 4550/PG 2022 $3,000.00 Recording Fee $10.00 Total Amount Due $3,010.00 No payment will be required until the property is sold, transferred, refinanced, no longer Homesteaded, or is no longer the primary residence of the hornebuyer. At that time the balance of the loan is due and payable, 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, Karina Bardales Grants Support Specialist Community and Human Services Making Our Communily Stronger; one life, One Home, One Project a time Karlr)a.bardatesglcolitercounti�ti.go Community & Hkinian Services Division - 3339 Timiam! Trail East, Suite 211 , Naplus. Florida 34112-5361 239-252-CARE (2273) - 239,252-GAF� (2233) - 239-262-4230 (RSVP) - vmw,col lierg0V.110D UnIall services I Packet Pg. 1552 -JIUQ : 0 10771 BJGAI%A-Soon dnmoec3 :luewlloellw co co 10 C) V 0 'a C4 w -S� z C) I 0 D 0 0 LL 0 C-4 Z W V- Dz.-N 00 E; 0 7J52 A LLJ F- uj 2 M REC 121.00 OBLD $0.00 OBLI $0.00 SECOND MORTGAGE THIS SECOND MORTGAGE (-SecurTty Instrument) is given on day of , 2010. The Second Mortgagor is: Wilson N. Rivera and Elvia J. Torres, single persons ("Borrower-). This Security Instrument is given to Collier County ("Lenden. which is organized and existing under the Laws of the - United States of America, and whose address is 3301 E. Tamiami �rail, Naples, Florida 34112 Borrower owes Lender the sum of Three Thousand and 00/100 Dollars ($3,000.00). This debt is evidenced by Borrowers Note dated the same date as this Secunty 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, "ensions and modifications: (b) the payment of all olther sums, with interest advanced under paragraph 7 to protect the security of the Security Instrument and (c) the performance of Borrowees covenants and agreements under this Security InVrument and the Note. For this purpose, Borrower does hereby second mortgage, grant and convey to Lender the following described property locWted in Collier County, Florida. As more particularly described as Golden Gate, Unit 2, 131k 41, Lot 11, OR 1768, PG 240, Collier County, Florida and which has the address of ('Property Address): 1700 Terrace SW Nar)les Florida 34116 (Address) (C��) (State) (zip) TOGETHER VOTH all the improvements now or hereafter erected on the property, and all easements, rights, appurtenances, rents. royalties. mineral, oil and gas rights and profits, w-ater rights and stock and all fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by the Security Instrument. All of the foregoing is referred to in this Security Instrument as the 'Property. BORROWER COVENANTS that Borrower is lawfully seized of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrcwer warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non -uniform covenants with limited variation by jurisdiction to consttPte a uniform security instrument covering real property - UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal and Interest; Prepayment and Late Charges. Borrower shall promptly pay when due the principal of and interest on the debt evidenced by the Note. thereon. 2. Taxes. The Mortgagor will pay all taxes, assessm,ents, sewer rents or water rates prior to the accrual of any penalties or interest The Mortgagor shall pay or cause to be paid, as the same respectively become due, (A)(1) all taxes and governmental charges of any 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 (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 insta1ments as are required to be paid during the term of the Mortgage, and shall, promptly after the payment of any of the foregoing, forward to Mortgagee evidence of such payment. 3. Application of Payments. Unless applicable law provides otherwise, all payments received by Lender sha!1 be applied, first, to 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, firies and -impositions attributable to the Property which may attain priority over this Security Instrument, and leasehold payments or ground rents, if any. Borower 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 Instrument unless Borrower'. (a) agrees in writing to 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 enforcement of the lien in, legal proceedings which in the Lenders opinion operate to prevent the enforcement at the lien; or (c) secures frorn the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Prop" is subject to a lien which may attain priority over the Security Instrument, Lender may give Borrower a notice identifying the lien. Borrower shall sal the lien or take one or more of the actons set forth above within 10 days of the giving Of notice. 5. Hazard or Property Insurance. Borrower sha!1 keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term 'extended coverage" and any other hazards, Including foods or flooding, for which Lender requires insurance. This insurance shall be mairtained 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 Lendees option, cblain coverage to protect Lender's rights in the P-roperty 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 therelo, including, but not limited to . a!l-fisk insurance protecting the interests of the Mortgagor and Mortgagee against toss or darnage to the Premises by fire, lightning, and other casualties customan!y 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 arid 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 grve 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 Prop" 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 Lenclei's 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 orto pay sums secured by this Security Instrument, whether or not then due. The3o-dayperiod will begin when the notice is mailed. Unless Lender and Borrower otherveise 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 Borrowei's principal residence within sixty days after the execution of this Security Instrument and shall continue to occupy the Property as Borrowel's 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 Borrower's control. Borrower shall not destroy, damage or impair the Property, allow the Prop" to deteriorate, or commit waste on the Property. Borrower shall be in default if any forferture aclJon or proceeding, whether civil or criminal, is begun that in Lendel's good faith judgment could result in forfeiture of the Property or otherwise materially impair the lien created by this Security Instrument or Lender's security interest. Borrower may cure such a default and reinstate, as provided in paragraph 18, by causing the action or proceeding to be dismissed wi�th a ruling that, in Lender's good faith determination, precludes forfeiture of the Borrower's interest in the Prop" or other material 0 0 0 U) CD I- m C14 0 'a CL _lie 0 M impairment of the lien created by this Security Instrument or Lender's security interest. Borrower sha!l 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 net 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. ProtectJon 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 procee6ng that may significantly affect Lenders rights in the Property (such as a proceeding in bankruptcy, probate, for condemnation or forfelure or to enforce laws or regulations), then Lender may do and pay for whatever is necessary to protect the value of the Property and Lender's rights in the Prop". 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 dale 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 shatt pay the premiums required to maintain the mortgage insurance in eff.ect. 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-twer.th 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 try 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 win 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 notice at the time of or prior to an inspection specifying reasonable cause for the Inspection. 10. Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection with any condemnation 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 event of a total taking of the Property, the proceeds shall be applied to the sums secured by this Security Instrument, wtether or not then due, with any excess paid to Borrower. In the event of, a partial taking of the Property, in which the fa;r market value of the Property immediately before the taking is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the taking, unless Borrower and Lender otherwise agree in writing, the surris secured by this Security Instrument shall be reduced by the amount of the proceeds multiplied by the following fraction: (a) the total amount of the sums secured immed:ately 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, 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 Instrunnerr! whether or net the sums are then due. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due dale of the monthly payments referred to in paragraphs 1 or change the amount of such payments. 11. Borrower Not Released, Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument gr'anted by Lender to any successor in irderest of Borrower shall not operate to release the liabilly of the original Borrower or Borrowers successors in interest.. Lender shall not be required to commence proceedings against any successor in interest or refuse to extend time for payment or 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 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 Instrument shall bind and benefit the successors and assigns of Lender and Borrower, subject to the Provisions of paragraph 17. Borrower's covenants and agreements shall be joint and several. Any Borrower wtio co-signs this Security Instrument but does not execute the Nole; (a) is co-signing this Security Instrument only to mortgage, grant and convey that Borrower's iriterest in the Property under the terms of this Security Instrument, (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other BonTrwer may agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without that Borrowel's consent. 13. Loan Charges. If the loan secured by this Security Instrument is subject to a law wNch sets maximum loan charges, and that 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 limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) arty sums 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 refund reduces principal. the reduction will be bealed as a partial prepayment without any prepayment charge under the Note. 14. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by mailing it by first class mail unless applicable law required use of another method- The notice shall be directed to the Prop" 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. 15. 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 wfriich can be given effect without theconflicting 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 Lender's 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 Instriument- If Lender exercised this option, Lender shall give Borrower notice of acceleration- The notice shall provide a period of rat 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. Borrower's 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 attorneys 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 K no acceleration had occurred. However, this right to reinstate shall rot apply in the ease 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 resul 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 b-e given wTMen notice of the change in accordance with paragraph 14 and applicable law. The notice win 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. BonTmer shall not do nor allow anyone else to do anything affectinn the Pro rt that is in iolati f v on o a7) 0 0 0 U) Irv) 1714 !LN� CU 0 'a CL _lie U E U CU 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 agreern in is S rity Instrument (but not prior to acceleration under paragraph 17 unless applicable law provides otherwise). The notice shall speci 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 Bo 'c thSd efault must be cured; and (d) that failure to cure the default on or before the date specified in the notice may result in a leration of the wths secured by this Security Instrument. foreclosure by judicial proceeding and sale of the Property. The notice shall further inform Bo". r offfig hght to reinstate after acceleration and the right to assert in the foreclosure proceeding the non-existence of 2 default or any other deflonS57 to acceleration and foreclosure. If the default is not cured on or before the date specified in the notice. If j= Lender, at its option, may r ritim I iate payment in full of all sums secured by this Security Instrument without further demand and may forecJose this Secur4ln nt,by judicial proceeding. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this paragrap I. including, but not limited to. reasonable attorneys fees and costs of the title evidence. 22. Release. Upon pa er4ef all sums secured by this Security Instrument. Lender shall release this Security Instrument. without charge, to Borrower. B , hall pay any recordation costs. 23. Attorneys* Fees. As used in this Security Instrument and the Note, "attomeys' fees" shall include any attorneys' fees awarded by an appellate court. I I 1� 24. Riders to this; Security Instrup4m. If one or more riders are executeed by Borrower =.d rccordLd together with this Security Instrument, the covenants and agr6e'ments pf each such rider shall be incorporated into and shall amend and supplement the covenants and agreements of this Security Instrument as if the rider(s) were a part of this Security Instrument. (Check Applicable Box) E] Adjustable Rate Rider 6IRat' I -t R' der Condominium Rider Graduated Payment Rider 141=1yR74i�, E] Second Home Rider 0 Balloon Rider 0 Biw�.�Pp�RidLr Planned Unit Development Rider Other(s) (specify SIGNING BELOW, Borrower accepts and agrees to thefe"rm§ Ad covenants contained in this Security Instrument and in any rider(s) executed by Borrower and recorded with ft. Signed.sealed2 deliv ed im the pr�ese-nc-eof, Witn gnature:,� Borrowef Wilson N. Rivera Signature: Wdness#2: Sign ure, Co- Borrower -glvia J Y Torres Signature: Address: STATE OF FLORIDA COUNTY OF COLLIER I hereby certify that on this day. before me. an officer duly authorized in the state aforesaid a n-d I . n the county aforesaid to take acknowledgements, personally appeared Wilson N. Rivera and Elvia J. Torres(�nii�own to be the person(s) described in and who executed the foregoing instrument and acknowledged before me that (Hef she/ they) executed am for the purpose therein expressed. WITNESS my hand and official seal in the County and State aforesaid It )is ay of J �112010-) My Commission Expires: (Seal) Notbry's Printed Name 0 07 1795 c' -.at- File#: 09-230 0 0 0 .T U) 0- FE U) ('4 21� Q 0 -0 CL n Q E 0 M From: ColfierCountyShii) To: BardalesKarina Subject: FW: Payoff Request - RIVERA - ref#22NLO4152 Date: Tuesday, March 29, 2022 6:45:19 PM Attachments: imacje001.DnQ Rivera, Borrower authorization.pd imacie002.ma Karina, Please respond to the below pay off request. 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, FIL 34112 Phone: 239-252-2339 lisa.carr&colliercountyfl.gov 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 a short survey contain at the following links: SHIP CLIENTS: Click here to take our survey. INTERNAL PARTNERS: Click here to take our suryLy. From: Lisa Schilling <Ischilling@nationsls.com> On Behalf Of NLS Payoffs Sent: Monday, March 28, 2022 11:53 AM To: CollierCountyShip <CollierCountyShip@colliercountyfl.gov> Cc: Lisa Schilling <Ischilling@nationsls.com> Subject: Payoff Request - RIVERA - ref#22NLO4152 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, Please forward a payoff demand statement for our mutual borrower below. I have attached authorization for your reference. Please let me know if anything additional is needed to receive the payoff. I Packet Pg. 1557 1 Borrower: Wilson N. Rivera Property: 1700 45th Ter SW Naples, FL 34116 Good Through Date: 30 days Thank You, Lisa Schilling Subordinations and Payoffs Team - Manager Nations Lending Services on behalf of Fifth Third Bank 9001 W 67th St, Merriam, KS 66202 Office: 877-256-4117 ext 5835 Fax: 913-748-3852 Ischillina(a)nationsls.com. I www.nationsls.com Part of the Nations family of national real estate service companies. Title & Closing I Appraisal I Default & Property Preservation I Mobile Notary Closing I Recording WIRE FRAUD IS REAL. Never trust wiring instructions sent by email. Always independently confirm wiring instructions in person or by calling a trusted and verified phone number. Consider all information in this email suspect and use your own contact records. 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. 1558 Prepared by Karina 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 TAMIAMI TRAIL, NAPLES, FLORIDA 34112, the owner(s) and holder(s) of a certain Mortgage executed by Nadeie Dumell to COLLIER COUNTY, dated August 22, 2007 and recorded on January 7, 2008 in Official Records Book 4318, Paze 1814 of the Public Records of Collier County, Florida, securing a principal sum of $18,750.00 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 2022, Agenda Item Number 16. D. ATTEST: CRYSTAL K. KINZEL, CLERK 0 , Deputy Clerk Approval for fonn and legality: Derek D. Perry /I/ Assistant County Attorney BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA 0 William L. McDaniel Jr., Chairperson M 0 U) a- m Cn CD E U M [22-SOC-00908/1723109/1 ] Page I of I I Packet Pg. 1559 Prepared by Karina Bardales Collier County Community and Human Services 3339 E. Tamiami Trail Naples, FL 34112 SATISFACTION OF MORTGAGE THIS SPACE FOR RECORDING 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 Wilson N. Rivera and Elvia J. Torres to COLLIER COUNTY, dated March 22, 2010 and recorded on March 30,2010 in Official Records Book 4550, Page 2022 of the Public Records of Collier County, Florida, securing a principal sum of $3,000.00 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 2022, Agenda Item Number 16. D. ATTEST: CRYSTAL K. KINZEL, CLERK 0 , DEPUTY CLERK Approval for forin and legality: BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA 0 Derek D. Perry V Assistant County Attorney /� William L. 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