Agenda 01/14/2014 Item # 16D 6 1/14/2014 16.D.6.
EXECUTIVE SUMMARY
Recommendation to approve one (1) mortgage satisfaction for the State Housing Initiatives
Partnership(SHIP) loan in the amount of$2,500.
OBJECTIVE: Approve one(1)mortgage satisfaction.
CONSIDERATIONS: The State Housing Initiatives Partnership Program (SHIP), a state affordable
housing program, offers assistance to a first time homebuyer for use toward a portion of the required
down payment and emergency repairs to the newly acquired home. 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 mortgage that have been repaid in full. As
such, satisfaction of the mortgage is required.
Name Security Instrument Mortgage Payoff Public Record
Amount Amount
Carlos R. Gonzales SHIP Second $2,500.00 $2,500.00 OR Book 2584 PG 0707
&Ediltrudiz Mortgage
Gonzalez
Total $2.500.00 $2,500.00
Approval of this item will authorize the Chairwoman to sign the aforementioned satisfaction of mortgage
and the executed document shall be recorded in the Public Records of Collier County, Florida.
FISCAL IMPACT: The repaid amount of $2,500.00 is considered program income and has been
deposited in SHIP Grant fund 791,Project 33258.1. Such funds may be reused for eligible SHIP program
activities.
LEGAL CONSIDERATIONS: This item is approved as to form and legality and requires a majority
vote for Board action.—JAB
GROWTH MANAGEMENT IMPACT: There is no growth management impact.
RECOMMENDATION: Approve and authorize the Chairwoman to sign one (1) mortgage satisfaction
for owner-occupied affordable housing unit for which repayment in full has been provided to Collier
County.
Prepared By: Wendy Klopf, Operations Coordinator,Housing, Human and Veteran Services
Packet Page -1065-
1/14/2014 16.D.6.
COLLIER COUNTY
Board of County Commissioners
Item Number: 16.16.D.16.D.6.
Item Summary: Recommendation to approve one (1) mortgage satisfaction for the State
Housing Initiatives Partnership (SHIP) loan in the amount of$2,500.
Meeting Date: 1/14/2014
Prepared By
Name: KlopfWendy
Title: Operations Coordinator,Housing, Human&Veteran Se
12/3/2013 1:42:54 PM
Submitted by
Title: Operations Coordinator,Housing, Human&Veteran Se
Name: KlopfWendy
12/3/2013 1:42:56 PM
Approved By
Name: GrantKimberley
Title: Interim Director
Date: 12/9/2013 1:38:18 PM
Name: KushiEdmond
Date: 12/10/2013 8:29:45 AM
Name: SonntagKristi
Date: 12/12/2013 2:14:41 PM
Name: AlonsoHailey
Title: Operations Analyst,Public Service Division
Date: 12/16/2013 2:01:14 PM
Name: DoriaPriscilla
Title: SHIP Loan Processor,Housing,Human&Veteran Servi
Date: 12/18/2013 9:10:02 AM
Packet Page -1066-
1/14/2014 16.D.6.
Name: RobinsonErica
Date: 12/18/2013 11:36:09 AM
Name: BelpedioJennifer
Title: Assistant County Attorney,County Attorney
Date: 12/18/2013 3:27:22 PM
Name: CarnellSteve
Title: Administrator-Public Services
Date: 12/23/2013 10:21:53 AM
Name: KlatzkowJeff
Title: County Attorney
Date: 12/26/2013 9:39:01 AM
Name: FinnEd
Title: Senior Budget Analyst,OMB
Date: 12/30/2013 12:42:13 PM
Name: StanleyTherese
Title: Management/Budget Analyst, Senior,Office of Manage
Date: 1/6/2014 10:01:10 AM
Name: OchsLeo
Title: County Manager
Date: 1/6/2014 11:12:24 AM
Packet Page -1067-
1/14/2014 16.D.6.
Prepared by:Wendy Klopf
Collier County
Housing,Human&Veteran Services
3339 E.Tamiarni Trail
N aples,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 Carlos R.Gonzales&Ediltrudiz Gonzalez to COLLIER COUNTY,
recorded on August 23,1999 in Official Records Book 2584 , Page 0707 , of the Public
Records of Collier County, Florida, securing a principal sum of S 2,500.00 and certain promises and
obligations set forth in said Mortgage, upon the property described in the aforementioned mortgage.
COLLIER COUNTY hereby acknowledges full payment and satisfaction of said Mortgage, and
surrenders the same as cancelled, and hereby directs the Clerk of said Circuit Court to cancel the same of
record.
This Satisfaction of Mortgage was approved by the Board of County Commissioners on -
,2013, Agenda Item Number
ATTEST: BOARD OF COUNTY COMMISSIONERS
DWIGHT E.BROCK.CLERK OF COLLIER COUNTY,FLORIDA
By: By:
,DEPUTY CLERK GEORGIA A.HILLER,ESQ.,CHAIRWOMAN
Approved for form and legality:
Jennifer A. Belpedio
Assistant County Attorney S 13
Packet Page-1068-
r tom: 2522300 Olt: 2584 PG: 0701 au 1/14/2014 16.D.6.
MN 1 Lf1M$ MOM ll t!M corm MOfrl Sf Chihli!CN1I, 1t OIK MI II
• 2Nd MME MEM IN $1/23/1N!it lf)1W IRrlf i. WK, t3W Mt MI LS.N
ILIW fl MN I0I-.35 in
28'mortgage form O
SECOND MORTGAGE
THIS SECOND MORTGAGE('Security Instrument-)is given on August .1999 The Second Mortgagor is.
Carlos R. Goasales, a harried man
joined by his wife, Ediitrudiz Gonzalez
rBOrVoww ). This Security Instrument Is given to Collier County ('Cede'),which a organized and
misery udder the tows of the United States of America,and whose address is...1110...10.2.211.2.12211111131-1
Emtja s. Florida 341.04 . Borrower owes Lender the sum of `o ThoLaa±±d live 72undradllal lara(U.S.$
y lea.00 ). This debt is ewdenad by Borrowers Note dated the urns date as this Security Instrument('Second Mortgage'),
ankh wades for monthly payments,with the full debt,if viol paid earlier.due and payable on ■ale o f yrroaerty_
fi or 1ou of ha111aetead :.ila ien . This Security Instrument secures to Lender.(a)the repayment of
the data evidenced by the Note,with Interest,and all renewals,extensions and modifications;(b)the payment of all other sums.with
kismet advanced under paragraph T to protect the security at the Security Instrument:and(c)the performance of Borrowers
cowmen!,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 Coil tar County,Florida.
As more particularly described as Naples Manor Addition.Block ti,Lot 4 and which has the address of-
(Property Address,: .S202 Hardee Street
mew
Maples. Florida 34113
OW
TOGETHER WITH a2 the Improvements roe'or heroafe erected on the property,and all easements,rights,
aPeurterances,rents.royalties,trireme,oil and gas rights and profits,water rights and dock and all fixtures now or hereafter a part of
the property. Al replacements and additions shall also be covered by the Security Instrument. AN of the foregoing is referred to in
tie Seemly tnstrmanei as Me'Property".
BORROWER COVENANTS eat Borrower is Weevily seized of the estate hereby conveyed and has the nght to mortgage,
grant and aamey the Property end pet the Property Is unencumbered,except for encumbrances of record. Borrower warrants and
vw dulad generally the Me to the Property against all dolma and demands,subject to any encumbrances of record.
THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform covenants with limited
verteMOn by jurtedlation to constitute a uniform security irotrume nor overieg4eE!property.
UNIFORM COVENANTS. Borrower and Lender" aiiefiI{m shad promptly pay when due the
1, Payment interest t Principal de smd Interest,Pta N,.
principal . Row°'
of and irieest on the debt evidenced b..tftei, r' .* P
2. Tares. The Mortgagor will pay all tasim.,assessment$,sewer rents orwew ales prior to the accrual of any penalties or
The Mortgagor shall pay or cause to be pad )_t)e ssenrrespeCtlye(y beoomi due,'fAX1)all taxes and governmental
themes of any kind wfetsowarwhmich may,it any time assessed orihevied against or with respect to the Property.(2)all
d ay add Cater duress,including'servicecharges, ..• . .t ... maintenance,use,occupancy,upkeep
..,,d intpaermei el the Property,and(3)rill as_ .�. Ober tYiye rt(!nem that May fly be paid in in stallrtents
cure•ptariod d yehrs.the Mortgagor shalt tit"'"w`sd MdrtbapaJO' or`irera to be paid only such instalments as ore e4 g _ _d b be paid during ate term of the Q,e, di► 1h ;mptlj a( r toe p yrt'ett olat!y of the foregoing,forward to
0 e. �trgape3 evidetoe Of seal myriad. ;..-'a ll.. ✓ __••��,,__,�i$.$_ received by Lender chant applied;
3. Auden of Psyments. .an .l 1, Odkable w(ill c 1
WU to Wrest this and,b mintiest due: toe 0b any late charges due t tit Nei / itions attributable to the Property
,,J
4. Chews;L over Borrower shah iY PMtaxes,assessments,payments sir ! A
dk l me MAIM priorky ever the SeewMy Inctr4f�ent:+and leasehold payments or'trOU4¢�rents,if any. Borrower shall promptly
to larder ale indices of amounts to be pall utfo' paragraph.and all isctetpts,a'/dertcin9 the Pay
d ar'tt1 Instrument unless Borrower.(a)agrees in
C Bprpwer shgM prpmpNy discharge any li a pd4fkyAk
(— to the payment of the obligation secured by thelian N1 tahe ' Lefler,(b)contests in good faith the lien by,or
I against enforcement of the lien in,legal proceeding i r s opinion operate to prevent the enforcement of the
'Or(C)Mares from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If
Lender delarmines that any pen of the Property is subject to•lien which may attain priority over the Security Instrument,Lender may
give mower a notice Identifying the lien. Borrower shall satisfy the lien or take one or more of the actions set forth above within 10
days it the giving of notice.
a. Kinard or Property Insurance. Borrower shall keep the improvements mow existing or hereafter erected on the
Property insured against loss by lire,hazards included within the term'extended coverage'and any other hazards,including floods or
loading.for which Lender requires insurance. This insurance shall be maintained In the amounts and lot the periods that Lender
mouses. The Insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's approval which shalt not be
ureasonat y waived. If Borrower fails to maintain coverage described above.Lender may,at Lender's option,obtain coverage to
protect Landers rights in the Property in accordance with paragraph 7. At all times that the Note is outstanding,the Mortgagor shall
marten 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,al-risk insurance protecting the
interests of the Mortgagor end Mortgagee against loss or damage to the Premises by tie,lightning,and other casualties customarily
tired against(including boiler explosion,If appropriate),with a uniform standard extended coverage endorsement,including debris
remove 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 end shall include a standard mortgage clause. Lender
shad have the right to hold the policies and renewals. If Lender requires,Borrower'tr shall ro the give tocLederr all receipts f paid
premiums and renewal notices. In the event of loss,Borrower shall give prompt
may make proof blocs 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 clamped.If the restoration or repair is economically feasible and Lender's security is not lessened. If the restoration or
repair M not economically feasible or Lender's security would be lessened.the insurance proceeds shall be applied to the some
secured by the Security Instrument,whether or rob Olen 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
Cried the Merana proceeds. Lander 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 wit begin when the notice is mailed. Unless Lender and Borrower
otherwise agree In writing,any application of proceeds to principal shall riot extend or postpone the due date of the monthly payments
*erred to in paragraph t or change the amount of the payments. It 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
Larder to Iris extort of the sums secured by this Security Instrument immediately prior to the acquisition.
4.Occupancy.Pneervabon,Maintenance and Protection of the Property;Borrower's Loan Application.Leaseholds.
Bomar shall occupy,establish,and use the Property as Borrower's principal residence within sixty days after the execution of this
tairudtr tnstru merit and shell 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
drotanaienose exist which are beyond Borrowers control. Borrower that not destroy,damage or impair the Property,allow the
Property*
al ordiniW,is begun that in Lender's good faith judgment could result in forfeiture of the Property or otherwise materially impair
c r3
Packet Page -1069-
1/14/2014 16.D.6.
OR: 2584 PG: vivo
2'mostgage form 0
Me can created by this Security Instrument or Lender's security interest. Borrower may cure such a default and reinstate,as provided
in perapnph le.by cawing the action or proceeding to be dismissed with a ruling that,in Lender's good faith determination.
preludes forfeiture of the Borrower's interest in the Properly or other material impairment of the ken created by this Security
k struirtard or lenders security Interest. Borrower shall also be in default if Borrower,during the loan application process,gave
mslarIey flee or inaccurate information or statements to Lender(or failed to provide Lender with any matenal information)in
corMdlen with the ban 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 one leasehold,Borrower shalt comply with all the provision of the
lease. H Borrower acquires fee title to the Property,the leasehold and the fee title shell not merge unless Lender agrees to the
merger in writing.
7. of Lender's Rights In the Properly. If Borrower faits to perform the covenants and agreements contained in
this Soo rty k lartaosrd,or there M a*PI proceeding that may sgnificanty affect Lender's rights in the Property(such as a
prppeadirtiq
In bareuupiry,probate,for cordsnwtbn or forfeiture or to enforce taws or regulation).then Lender may do and pay for
whatever le necessary to protect the rake of the Property and Lender's rights in the Property. Lender's actions may include paying
any arses secured by a lien which has priority over this Security instrument,appearing in court,paying reasonable attorneys'fees and
arMnylp on the Property to make repairs. Although Lender may take action under this paragraph 7,Lender does not have to do at
Any ame sit disbursed by Lender under this paragraph 7 shell become additional debt of Borrower secured by this Security
inelnenart. Unless Borrower and Lender agree to other temp of payment,these amounts shall bear interest tram the date of
d sainarnant at the Note fats and shall be payable,with interest,upon notice from Lender to Borrower requesting payment.
I. Yeelgape 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 issuance its effect. It for any reason,the mortgage
Insurance coverage required by Lander lapses or ceases to be in effect,Borrower shall pay the premiums required to obtain coverage
substantlslly equivalent to line 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 main 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 en insurer
approved by Lander again becomes evadable and Is obtained. Borrower shall pay the premiums required to maintain mortgage
tsunami,it stied,or to provide a lose reserve,until the requirement for montage insurance ends in accordance with any written
agreement between Borrower and Lender or applicable taw.
I. Inspection. Lender ass 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 or the inspection.
1e. Condemmatlon. The proceeds of any award or claim for damages,direct or consequential,in connection with any
condemrseon or Ow totting 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 Propeny..ihe proceeds shall be applied to the suns secured by this Security
inel anaml whether or not then due,with any excesa,,pa�d 'S gow(eril t d a partial taking of the Property,in which the
fair motet value of es Property Invnsdiatey lideri j a-egrs�t2 than the amount of the sums secured by this
Security Instrument Immediately before the taklrgk_ and Ler'sier;odhefw se agree in writing,the sums secured by this
Banally ktaawms t shall be reduced by the a 1*,1h the proceeds multiplied t>y irldiowing fraction:(a)the total amount of the
sums seared Immediately before the tekinp.dive:10.11e fb)the fair market value dais Property immediately before the taking. My
Mime shall be paid to Borrower. In the went/6f lt) raft takingof-the.P,roP�Y in'filch d(e lair market value of the Property
Immediately before the taki;is less shed the}inoufNofbe,strrrsiecured hfarneada,/for Me taking.unless Borrower and Lender
othereese agree N writing or unless epplicabie 1 beapglied to the sums secured by this
Seaway Instrument whether or not the turn ofe dw otherwise agree in writing,any application of
vomit to gambol shall riot extend Or I Postnon#the due of)law referfred to in paragraphs 1 or charge the
amount 1 for ower Not Released.01 ��'L�►' i k r, + the time for payment or modification of
amoreacation of the suns secured by Secikity Instrument glinted bylfender anew son in interest of Borrower shall not
Maras to release the lability of the or Borrower's succe$$Ota iii intereatlfLender shall not be required to commence
proceedings against any successor let ill efuse b extend time for p %rnent gr' e modify amortization of the sums
secured by this Security Instrument by
molt
ease t6f-shy demand made by the origf or Borrower's successors in interest.
My forbearance by Lander in exercising any hem temedy shall not be a Mai oy'proelude the exercise o f any right or remedy.
12. Successors and Assigns Sou apdsave►d Uab1f e,$igners. The covenants and agreements of this
Banally instrument shall bind and benefit the successors uijtnd sssiynsr t std Borrower,subject to the
Provisions of paragraph 17. Borrowers covenants end leper eentpf-auks bejant and several. My Borrower who co-signs this
SWIM Instrument but does not execute the Note;(a)Is co-signing—this Security Instrument ant only to mortgage,grant and convey that
Borrowers interest its the Property under the terms of this Security Instrument;(b)is not personally obligated to pay thw sun secured
by this Seaway Instrument;and(c)agrees that Lender and any other Borrower may agree to extend,modify,forbear or make any
e000rmhodMfons with regard to the tents of this Security Instrument or the NOW without that Borrower's consent.
13. Loan Charges. If the loan secured by this Security Instrument is subject toe law which sets maximum loan charges.
and cwt law U Melly interpreted so that the Interest or other loan charges collected or to be collected in connection with the loan
eameed Vie pemltted emits,then:(a)any such loan charge shall be reduced by the amount necessary to reduce the charge to the
permitted Snit and(b)any sum*already collected from Borrower which exceeded permitted limits will be refunded to Borrower.
Lender may choose to make tie refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If
e fdAYtd reduces principal,the reduction Will be treated as a partial prepayment without any prepayment charge under the Note.
14. Notices, My notice to Borrower provided for In this Security Instrument shall be given by delivering it or by mailing it by
fns Wag milt vises applied*law squired use of another method. The notice stork be directed to the Property Address or any
ollw address Borrower designates by notice to Larder. My notice to Lender shall be given to Borrower or Lender when given as
provided In this paragraph.
te. Governing Law;saverabllly. This Security Instrument shall be governed by federal law and the law of the jurisdiction
In watch the Properly is located. In the went that any provision or clause of this Security Instrument or the Note conflicts with
separable law.such conflict shall not effect other provisions of this Security instrument or the Note which can be given effect without
the conf ictng provision. To ells end the provisions of this Security Instrument and the Note are declared to be severable.
1e. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument,
17. Traveler of the Property or a Beneficial Interest In Borrower. If all or any part of the Property or any interact in it is
said or transferred(or if a beneficial Interest In Borrower U sold or transferred and Borrower Is not a natural person)without Lender's
prior wriain corseht,Lender may,at its option,require immediate payment in fall of all sums secured by this Security Instrument.
However,this option shell not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument.
V Lander 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
Borrows falls to pay these sun prior to the expiration of this period.Lender may invoke any remedies permitted by this Security
instrument without further notice or demand on Borrower.
1e. Borrower's Right to Reinstate. If Borrower meets certain conditions.Borrower shall have the right to have
enle owrwl of this Secrty Instrument discontinued at any time prior to the earlier of:(a)5 days(or such other period as applicable
SW may specify for reinstatement)before sale of the Property pursuant to any power of sale contained in this Security Instrument or
Reentry d a judgment enforcing tIs Searcy Instrument. Those conditions are that Borrower.(a)pays Lender all suns which ten
would be due under this Security Instrument and the Note as If no acceleration had occurred;(b)cues and default Of any other
commas or agreements;(c)peys all expenses brewed in enforcing this Security Instrument,including,but not limited to,reasonable
amnsys fees;and(d)takes such action as Lender may reasonably require to assure that the lion of this Security Instrument,
Ladies rights In the Property and Borrower's obtgation to pay the sums secured by this Security Instrument emu continue
undtanged. Upon reinstatement by Borrower,this Security Instrument and the obligations secured hereby shall remain fully effective
as If to acceleration had occurred. However,this right to reinstate shall not apply In the ease of acceleration under paragraph 17.
G �
Packet Page-1070-
r l ft* 4R , 1/14/201416.D.6.
. �5g! PG, •..
2w mortgage form 0
it Sale of Nose;Change of Loan Servitor. The Note or a partial interest in the Note(together with this Security
trainmen!)may be sold one or more tunes without prior notice to Borrower. A sale may result in a change In the entity
(IogNSt as the'Loan Berk/ter)that collects monthly payments due under the Note and this Security Instrument. There Mc
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 etven written notice of the change in accordance with paragraph 14 and applicable law. The notice will
slate the norm 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, Hoarders*Subatencae. Borrower shall not cause or permit the presence.use.disposal,storage,or release
d any Hazardous Substances on or in the Properly. 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 strati quantities of Hazardous Substances that are generally recognized to be appropriate
to mantel 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 Sommer hem actual knowledge. If Borrower learns,or is notified by any governmental or regulatory authority,
the-any removal or other remedlaton of any Hazardous Substance affecting the Property is necessary.Borrower shall
promptly take at 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 lateral laws and laws of the jurisdiction
wive the Property Is located that elate to heath,safety or environmental protection,
21. Acceleration;Remedies. Lender shell give notice to Borrower prior to acceleration following Borrower's
breach of any covenant or agreement in this Security Instrument(but not prior to acceleration under paragraph 11 unless
applicable law provides otherwise). The notice shall specify: (a)the default;(b) default must be cured;the default;
and dl )that
a
date,not less than 10 days horn the date the notice is given to Borrower,by wt�
failure to cure the default on or before the data specified in the notice may result in acceleration of the sums secured by this
Seam Instrument,foreclosure by wdicial proceeding and sale or the Property. The notice shall further inform Borrower of
the night to reinstate after sxelemeon and the right to assert in the foreclosure proceeding the non-existence of a default or
any specified
Ohs notice,Lender,at Its option,may require immediate payment In full of all sums secured by this Security Instrument
o in
without further demand and may foreclose this Security Instrument by judicial prang. Lender shall be entitled to collect
M expenses roamed In pursuing the remedies provided in this paragraph 21,extudinp,but not limited to,reasonable
attorney's fees and costs of the table 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.
21. Attorneys'Fees. As used In this Secxxty-nitrument-an0 the Note,'attorneys'fees'shall include any
attorneys'fees awarded by en appellate court,-'` i\-,':. Cj()
24. Riders to this Security Ina t \If,Odie•orinae. kLeX!cuted by Borrower and recorded together
wth this Security Instrument,the covensr. .It$reements of each soh. ll be incorporated into and shaft amend
and supplement the covenants end agreerrheats'of this Security Instrument 'tiderts)were*part of this Security
Instrument. (Check Applicable Sox) /
Adjustable Rate Rider /` '�... 1ate)^'t'<a Rider \ Condominium Rider
Ad)us j
P.M"Ride► fh. 1 �'�! aiNµ�F ,1)�� 1 i Second Home Rider
r��� n Rider t,'"` i'\`\;�,\ S�i�bekly�'Psl'yt_nand Aided 111 L....it Flamed Unit Development
Miens)(specify r'`. ``i, `) !
�,., \` i s 1.-•/
SIGNING BELOW Borrower accepts end`a1M sle.the terms ard.covinsfit(`600teined in this Security Instrument and in
any riders)executed by Borrower and reco�elni`vi-_f—. t-�i'"' '
Signed,sealed and delivered In the presence of: --'-----• ...----
Slpnatun:
whtrwset, Jh/�' Borrower Carlos a.AG nzales
Signature: ' - --
yyptheefa2: �' Signature: _e__ZeraZ12:,,f2._
A _• Co-Sommer Fdiltr diz Gonzalez
sie Address: 202 Hardee Street
maples.. Florida still
STATE OF_Florida
COUNTY OF.i t..-14.
I hereby certify that on this day,before me,an officer duly authorized in the state aforesaid and in the county
aforesaid to take acknowiedgernents,personalty appeared Carlos R.Gonzales to me known to be the person(s)described
in and who executed the foregoing instrument and acknowledged before me that(Hd she,they)executed the same for the
purpose therein expressed.
WITNESS my hand and official seal in the • .. Is ate?esaw thi /4s��S'T 18 9 1
My Commission Expires: ""�
N•-•• Public's - • -owe
(Seal)
Notary's Panted Name e,Wry A UM
t tsafCeemeemCCaaevet
14e,/tom OMier 01.9X1
•
3
Packet Page-1071-
1/14/2014 16.D.6.
c. c. H - - U) w - W -
Z W H Z U) U) 000 C`: CC 0 0 0 U) V)E Z EZ Z W CC 2H H Z E.
H H Z Z 1-1 0 w w a m w
\ \ c.
u 2 2 0 0 0 0 H H z s a s a
6 P 6 6 a < U) E.
�. 0 0 D H H H 0 0 0 Z 0 a cK a
o 0 a �: a a s a R d 0 0 0
,� 0 a ... H H f 2 a. a a 0 0
v F H _ a a v, v) m
W
IC 'CO a x V) V) '
N < C H H H > z H H a H H
0 r E• H H _0 0 V) to V, U. Cs. H H 0 (0 0 V) C)) 0 0 0
X
N
0
a
a
a
0
N
4 5
' to
CC 2 z w
H )
m a U)
O
C) :
0 ti r. a 0°b to H x
rt m W c < CI) ✓)
Al.'
4:. ) Q .0 a. x I
b .0 w H 0 0
E 0 u 4J 0 a o v a
u' (U i 4-
0 0 0 (^ W U (an U) H a s
H r.�
a CO m r a j
0 0 0 N H a s m H m
Z V) 4 r N 0 co L'1 co co
..:U 0 a Lr) N H CO S m m
0: a s a a a s a 0 0
.0. 10 0 lD Rl 0 \D 10 0 0
W. 0 0 0 0 0 0 0 0 0
U). 0 0 0 0 0 0 0 N N
..U. r.{ Hi H H H H H
0
N
al
O
sc
+' a N
7 H H
0 0 2 W
L) 0 to
Z 0 0
c a, v 0 0 x
c 9 ".
� a 0 .0 3
M z u a• Ll ICI, a
a
U • (CO 0 4 ° R7 a
_, r
C) H'
0 CC rt N v }, - 0
•H ,EO Z, UO c ., - - C
( 11
Hi
Q
b 0 H -
J W m U. 2 m 0
4, H �. a _N 0 la.. Cu W l00 0
-0 ■ V) C a .0 0
H H H 9 N O N Cr a )
cr O
a O o 0 y 0 0 m m v U,
2 C) m Q C. , R Z N H Hi
W c . < H 0 0 0
3 rtl a H N m m
a s a m m
\ Z U. CO HI 0 H H
I E 0. 1.N a al a.
0 *-+ U) u) cn r r
N
'm \ •i
II ' O O G O O O Cp m m m rn m O H N N N N N N N
N O O N 0 O r-
>-, N N a '� r" N O m N
Z H m H O o 0 0 0 0 H H o ff
u) 0 O :"aa .J H H -1 H H
3 V; a \
\ a) M C
N 3 m H E
N
ri
W O M o O O O O O O II m O t0 m 0 CO CC ill N N
ol H. rcr N m m
O -i C) _'C}.
O L1 0 '• 0 ^ H H H H r-, r-1
V. - 0 , c
Packet Page 1072