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Agenda 02/12/2013 Item #16D 4n 2/12/2013 16.D.4. EXECUTIVE SUMMARY Recommendation to approve seven (7) satisfactions of mortgage in the aggregate amount of $66,192.50 of owner occupied dwelling units that have satisfied the terms of their affordability period. OBJECTIVE: To approve seven (7) satisfactions of mortgage. CONSIDERATIONS: Recipients of affordable housing assistance are required to repay the County upon sale, refinance or loss of homestead exemption, while in the period of availability. Specifically, these applicants received assistance for residential rehabilitation for necessary repairs to their primary residence. Each loan was provided using federal HOME Investment Partnership Program (HOME), or Community Block Building Grant (CDBG) grants. The period of availability is based on the value of the home, and is typically five (5) or ten (10) years. After the period of availability has ended, the loan is forgiven. In the case of loans made with HOME funds, however, should the homeowner die before the end of the period of availability, the loan will be forgiven. These terms are included in the Mortgage instrument recorded on the property. The applicants listed .below have fulfilled the restrictive covenants relating to the affordability period, as well as the restriction on sale, refinance and loss of homestead exemption. Two of the applicants have died. The death certificates are held by HHVS within its files. The applicant's compliance with the grant terms have been monitored and each is entitled to forgiveness of the assistance provided. Name(s) Grant Type of Program Assistance Provided Forgiveness Date Mary E Williams CDBG Residential. Rehab $ 9,894.00 09/26/2012 Camilo & Amailia Martinez CDBG Residential Rehab $ 9,000.00 12/14/2012 Ludvinia Vidaurri & Blaz Ran el CDBG Residential Rehab $ 6,570.00 07/17/2012 Laura Burrou *deceased HOME Residential Rehab $13,300.00 05 /01/2011 Jose & Rosa Pittalu a HOME Residential Rehab $14,449.50 08/17/2012 Annie Kin *deceased HOME Residential Rehab $ 6,059.00 08/28/2014 Heather Grimshaw HOME Residential Rehab $ 6,920.00 11/16/2012 Approval of this item will authorize the Chairman to sign the satisfactions of mortgage for owner occupied affordable housing dwelling units that have satisfied the terms of assistance provided. Following approval and execution, the documents shall be recorded in the public records of Collier County, Florida. FISCAL IMPACT: There is no fiscal impact since there is no recapture of funds; these grant funds are forgivable upon satisfaction of the affordability period. GROWTH MANAGEMENT IMPACT: None. LEGAL CONSIDERATIONS: This item is legally sufficient and requires a majority vote for Board action. —JBW Packet Page -1819- 2/12/2013 16:D.4. STAFF RECOMMENDATION: Approve and authorize the Chairwoman to sign seven (7) satisfactions of mortgage for owner occupied dwelling units that have satisfied the terms of assistance provided or for death of the owner. PREPARED BY: Wendy Klopf, Operations Coordinator, Housing, Human and Veteran Services Packet Page -1820- 2/12/2013 16.D.4. COLLIER COUNTY Board of County Commissioners Item Number: 16.16.D.16.D.4. Item Summary: Recommendation to approve seven (7) satisfactions of mortgage in the aggregate amount of $66,192.50 of owner occupied dwelling units that have satisfied the terms of their affordability period or for death of the owner. Meeting Date: 2/12/2013 Prepared By Name: K1opfWendy Title: Operations Coordinator,Housing, Human & Veteran Se 1/10/2013 9:21:25 AM Submitted by Title: Operations Coordinator,Housing, Human & Veteran Se Name: KlopfWendy 1/10/2013 9:21:26 AM Approved By Name: MesaNancy Title: Accountant,Housing, Human & Veteran Services Date: 1/10/2013 9:39:39 AM Name: AlonsoHailey Title: Operations Analyst, Public Service Division Date: 1/15/2013 2:43:03 PM Name: GrantKimberley Title: Interim Director, HHVS Date: 1/16/2013 10:37:08 PM Name: GrantKimberley Title: Interim Director, HHVS Date: 1/23/2013 9:30:48 AM Packet Page -1821- 2/12/2013 16.D.4. Name: AckermanMaria Title: Senior Accountant, Grants Date: 1/23/2013 9:48:04 AM Name: CarnellSteve Title: Director - Purchasing/General Services,Purchasing Date: 1/25/2013 9:29:26 AM Name: WhiteJennifer Title: Assistant County Attorney,County Attorney Date: 1/25/2013 9:57:23 AM Name: FinnEd Title: Senior Budget Analyst, OMB Date: 1/29/2013 8:46:48 AM Name: KlatzkowJeff Title: County Attorney Date: 1/30/2013 9:15:52 AM Name: StanleyTherese Title: Management/Budget Analyst, Senior,Office of Manage n Date: 2/1/2013 10:39:09 AM Name: OchsLeo Title: County Manager Date: 2/3/2013 12:35:08 PM Packet Page -1822- Prepared by: Collier County Housing, Human & Veteran 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 Mary E Williams to COLLIER COUNTY, bearing the date of September 26 2007, recorded on 11/6/2007 in Official Records Book 4299, Page 2798, of the Public Records of Collier County, Florida, securing a principal sum of $9,894.00 and certain promises and obligations set forth in said Mortgage, upon the property situated in said State and County described as follows, to wit: 8100 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. Dated this day of , 2013. ATTEST: DWIGHT E. BROCK, Clerk e , Deputy Clerk Approved as to form and legal sufficiency: Jennife . White Assistant County Attorney''`' BOARD OF COUNTY COMMISSIONERS COLLIER COUNTY, FLORIDA By: Georgia A. Hiller, Esq. Chairwoman Retn: 4092120 OR: 4299 ru: 2738 GILD 9854,00 NOOSING f IONAN SSCS iNTIR MCI It" o NIROT ILOPY 252 -5701 CIA 14 W offICIAL WORDS of COLLAR COGITT, IL 1114113001 It 04:2IAN DYIGNT 1. 310CI, CLIRR OILI "C its DOC -,35 9194,00 35,50 34.45 Project Number QQ2kU6/10 -G2 MORTGAGE THIS MORTGAGE ( "Security Instrument ") is given on tier 2W,_ The Mortgagor is kilsgy & Ala.ltiamrt a siria *Orson ('Borrower"): This Security Instrument is given to ,._Collier County ('lender'), which is organ ad and exis# under the laws of the United States of America, and whose address is MQ North horseshoe Drive #110 N >" . aatea Borrower owes Lender the sum Of Nine fihausand Eiahi Hundr d M alty Fou r Doll ars an oil 0 O Do 1111110111 ALS, This debt is evidenced by Borrower's Note dated the same date as this Security Instrument (• Mortgage "), Which {irOVldes for mortify payments, with the full debt; If not paid earlier, due and payaw o1 of tkte, safe of property, refinance, or loss of homestead exemption, This Mortgage will be forgiven at the fiva, This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and ff' renewals, extensions and modifications; (b) the payment of all other sums; with interest advanced under paragraph 7 to protect the security of the Security instrument: and (c) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby second mortgage, grant and convey to Lender the following described property located in Collier Countv._Fton M0M,PWftu1&t1y oet ribed as: Lot W, and ft South A of Lot 70, 15t, Pit ese4 iscooilding 10 the stn fl Book 4: pagiss 84 & 85. Public Records of C.ONier C" FWrid& FdW# 1816 And wteCit has 11W , ofe if10 10 St fe Nlipl0a, Ft 3+1102 TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, rights, appurtenances, rents, royalties. mineral, oil and gas rights and profits, water rights and stock and all fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by the Security Instrument. Aft 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 une pirribered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property 1 1 •mands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT cc " r tional use and non - uniform covenants with fimited variation by jurisdiction to constitute a unifo nstrument co roperty. UNIFORM COVENANTS. Bon �a ander covenant and a ollows: 1. TERMS: The maker(s) of this n ry Note hsvebaen granted De ❑ed Repayment Loan,* the terms of which are intended ens re It ally )f amrtwai valor nt B k Grant{COBG) hands utilized to facilitate the rehabilitation of this Property are re apt ad a u i adJI&gssist an Cher low r -in me home ownerwith rehabilitation unless The terms of this Note do riot u a t It t ad a' Ion s the makers comply with the following conditions and provisions: Makers) shall occupy the Pr as their principal resi of the Property is not allowed even on a temporary basis, Failure to abide by t ipal occupancy req a It in foreclosure. The Maker($) shall be required to submit proof of principal occupjr Collier County on an logic eginning on the anniversary of the first -year occupancy and annually until the end of a lz tl proof shah include: proof of homestead exemption, copies of paid receipts for taxes an ri$ur certificates forownar- occupied Property fisting Collier County as Mortgage Holder. If the Maker(s roof of occupancy in a timely manner, the County may contract with an independent title company to perfomn the riecesssry tie recertification, the cost of which will be added to the principal amount of this Promissory Note, In the event the Maker(s) cease principal occupancy, transfer, sell or in any manner dispose of all or a portion of the Property which is subject to the Mortgage securing this Note prior to fulfilling the agreement and the end of the amortization, then the principal amount of this Note shall become immediately due and payable. The Makeir(S) shalt not refinance the indebtedness secured by this Promissory Note. The County prior to granting approval shall review the proposed refinancing in order to ensure that there will be sufficient equity after the proposed refinancing to recapture the COBG monies. The Note Holder consents to any agreement or arrangement in which the First Lender waives, postpones, extends, reduces or modifies any provisions of the First Note or the First Mortgage, including any provision requiring the repayment of money, The Maker(s) shall immediately contact the County to obtain approval should they desire to transfer, assign, sell or in any manner dispose of all or a portion of the Property which is subject to the Mortgage securing this note prior to fulfilling this agreement and the and of the amortization period. The County shall have the authority to disapprove any disposal where the proceeds of such would be less than fair - market value as'detemtined by an independent apprajsaf by a State Certified Residential Appraiser: 2, Taxes, The Mortgagor will pay all taxes assessments, sewer rents or water rates prior to the scxrual of any penalties or interest thereon. 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 orcause to be paid only such installments 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 shall be applied; first, to principal due: and last, to any late charges due under the Note. 4. Charges; Liens. Borrower shat pay all taxes, assessments, charges, fines and impositions attributable to the Property , which may attain priority over this Security Instrument, and leasehold payments or ground rents, if any. Borrower shall promptly furnish 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 Sonower: (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 Den by, or defends against enforcement of the lien in, legal proceedings which in the Lenders 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 pami'of the Property is subject to a lien, which may attain priority over the Security Instrument, Lender may give Borrower a notice identifying the lien. Borrower shall satisfy the lien or take one or more of the actions set forth above within 10 days of the giving of notice, Prepared by: Collier County Housing, Human & Veteran 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 Camilo Martinez & Amailia Martinez (sic) Marintez to COLLIER COUNTY, bearing the date of December 14,2007, recorded on 02/22/2008 in Official Records Book 4332, Page 0919, of the Public Records of Collier County, Florida, securing a principal sum of $9,000.00 and certain promises and obligations set forth in said Mortgage, upon the property situated in said State and County described as follows, to wit More particularly described as: Lot 25, Block 3, of Trafford Pines Est Sect 1, of the Public Records of Collier County Florida. Folio# 77161960009. and which has the address of: 1215 N le St Immokalee Fl 34142 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. Dated this _ day of 12013. ATTEST: DWIGHT E. BROCK, Clerk L0 , Deputy Clerk Approved as to form and legal sufficiency: Jennifer B. White Assistant County Attorney BOARD OF COUNTY COMMISSIONERS COLLIER COUNTY, FLORIDA e Georgia A. Hiller, Esq. Chairwoman woman ('Borrower). This Security Inslumentis given to elliteLQW0W ,_('Lender), which Is organaeo and existing under the laws of the United States of America, and whose address is 30EQ N20 Horseshoe Lutve. A" 4 U100 floda 34104 _, Borrower owes Lender the sum of Nine ThoAlsand Dollars acid_ not10d $0W"bdti:` This debt is evidenced byBoncim eNotedaaadNesamedaeas "aSecuryInstrument('MarjgaWi, kxitia full debt.dnot Paid earlier. due a f , ttf tkia seism rerrnance orloss of Mmastead exanyttion. TThh Mortgage will be forgiven at Otlb fin' ant JbierSecurity Instrument secures to Lander. (a) the repayment of the detit evidettoed by go r norfgtep ,arum all r s errtera oris and modifications: (b) the payment of all other sums: under paragraph 7 to protect the security of the Saaxity Instrument and (c) Vte performance of Bonowee's covenants and agreements under this Security instrument and me Mortgage For this purpose, Borrower does hereby. convey to Lender line following described property located in Collier County, Florida. 01-V01111er 4r truly r l9WMil. r OMM r r 19 RVW{iVV, and which has the Wdms oP 1215 N le St Immoita eor F1 $4142 TOGETHER WITH all the improvements now or hereafter eroded on the property, and all easements, rights, appurtenances, rents, royalties, mineral, ail and gas rights andprofits, wolarrghts and stock and Ni fixtures nowcrhereafter apart of the property. The Security instrument shall also cover at replacements and additions. All Of the foregoing Is referred to in this Secxinty instrumeni as the "Property . BORROWER COVENANTS that Borrower is lawfully Seized of the Property described above. and has the right to mortgage. the Property and that the Property is unencumbered, except fof reoord. Bonowerwarreals and will defend gonerallythe title to the Property against all dams and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non- uniform covenants with limited variation by jurisdiction to constitute :a uniform security instrument covering feel. property. UNIFORM COVENANTS. Borrower and Lender;gtilaraan(annd agree as follows: 7. TERMS: The t Tathis ape ® �erreBlockGraem Loan,''teneterms :whhe9hareintendedtoarts r n tBbdeGme (Gt38G) funds utitzetttolaalRato the rehabilitation of this P are race ifedto assist ate �noome homeowner with rerwbililation unless the affordability requirements are met. L The terms of this comply with the following Borrower Shall occupy the temporary basis. Failure to abide b the required to submit proor el puinopai 1 occupancy and annually until the am tilt tale year amortozatu copies of paid receipts for taxes and and copies of County as Mortgage Holder. f the a S to provide S contract vein an independent We oom kt orm the nec principal amount of this Mortgage, i In the event the Borrower cease r ant Property which is subject to the Mortgage prior pi! of this Mortgage shall become immediakely cue The Borrower shall not reefinance the indebtedness review the proposed refinancing in order to ensure that there w CpBG monies. The Lender consents to any agreement or ari reduces or modifies any provisions of this First or theF money made as long as the makers is not allowed even on a The Borrower shad be the Lender may be added to the manner dispose of an or a portion of the he arnolUst out; than the principal amount Mortgage, The Lander prior to granting approval Shah equity after the proposed refinancing to rec ioure the which the First Lender waives, postpones, extends, including any provision requiring the repayment Of The Borrower shall Immediately oa itw the Lender to obtain approval should they desketo Vardar, asses, $ell or ate any manner dispose of all of portion of the Property, which is subject to this Mortgage prior to fulfd6ng this agreement and the and of the amortization period, Contedng the Lender will also ensure that Uta Security Instrument may be appropriately reduced incrementally for each year of tteaffordabil ty period, according to an amonization schedule based on the a 6verserydateaf the date the mortgage was recorded. The lender shall have the authority to disapprove any disposal where the proceeds of such wild be less than fair - market value as determined by an independent appraisal by State Certified Residential Appraiser. i owe is no net proceeds from the foreclosure, repayment is riot required and COBG requirements are considered to be satisfied. In the event of sere death of to Borrower(s) poor a expiration of tft affordability period has been attained. an of the debt will be forgiven. 2. Taxes. The Mortgagor will pay as taxes, assessments, s~ rents or water rates wail, to the accrual of any penalties or interest thereon.. The MorVagor shall pay or cause to be paid; as the same respectively become due. (Ax1)'all taxes and governmental Charges of any kind whatsoever which' may at any time be lovAullyassesseed or levied against or with respect to the Property, (2) iii utility and other charges. inducting "service charges ", incurred or imposed for the operation, maintenance, use, occtrpancy, upkeep and improvement of the Property, and (3) all assessments or other governmental charges that may lawfully be pad in Installments' over a period of years, the Mortgagor shill be obligated under the Mortgage to pay or cause to be paid only such installments as are required to be paid during the term of the Mortgage, and 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 "I be applied: first, to principal due; and last, to any late charges due under the Mortgage. 4, Charges; Loans. Borrower shag pay all taxes, assessments. charges, fines and impositions attributable to the Property, which may attain priority over this Security instrument. and kessenold payments or ground rents, if any. Borrower shah promptly furnish to lender all rakes of amountss to be pad 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)agraes in writing to the payment of the obligation secured by the lien In a manna acceptable to Lender; (b) contests in good faith the lien by, or defends against enforcement of we lien in, lager proceedings which in Una 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 lion to this Security Instrument, If Lender determines that any par of the Property is subject to a iforh, width may attain priority over the Security instrument, Lender may give Borrower a notice identifying the lion. Borrower shall satisfy to lien or take one or more of the actions: set forth wove within 10 days of the issuance of notice. Page 1 of 4 4131497 OR, 4332 FIG: 015 Retc, NOOSING i NONl1IA 5111Y1CIS ISM ID 14 the OffICIAL RICORDS of COLLAR COORTi. It OILD 9004.00 RORSI500I DR 32111t14# at 43:01?1 DWIGHT I. iROCK, CURL OILI 9004.04 11MOI ?ICI: i(INDi ILOIIh He IiI 35,50 Project Number cf? ostQ7-0os_ DOC•.35 31.50 MORTGAGE. THIS MORTGAGE ('Security Instrument ") is given on _0licissiber 14,2W Mortgagor is: Camilo Martinez & Arnailia Mariinez, husband & wife, a_single woman ('Borrower). This Security Inslumentis given to elliteLQW0W ,_('Lender), which Is organaeo and existing under the laws of the United States of America, and whose address is 30EQ N20 Horseshoe Lutve. A" 4 U100 floda 34104 _, Borrower owes Lender the sum of Nine ThoAlsand Dollars acid_ not10d $0W"bdti:` This debt is evidenced byBoncim eNotedaaadNesamedaeas "aSecuryInstrument('MarjgaWi, kxitia full debt.dnot Paid earlier. due a f , ttf tkia seism rerrnance orloss of Mmastead exanyttion. TThh Mortgage will be forgiven at Otlb fin' ant JbierSecurity Instrument secures to Lander. (a) the repayment of the detit evidettoed by go r norfgtep ,arum all r s errtera oris and modifications: (b) the payment of all other sums: under paragraph 7 to protect the security of the Saaxity Instrument and (c) Vte performance of Bonowee's covenants and agreements under this Security instrument and me Mortgage For this purpose, Borrower does hereby. convey to Lender line following described property located in Collier County, Florida. 01-V01111er 4r truly r l9WMil. r OMM r r 19 RVW{iVV, and which has the Wdms oP 1215 N le St Immoita eor F1 $4142 TOGETHER WITH all the improvements now or hereafter eroded on the property, and all easements, rights, appurtenances, rents, royalties, mineral, ail and gas rights andprofits, wolarrghts and stock and Ni fixtures nowcrhereafter apart of the property. The Security instrument shall also cover at replacements and additions. All Of the foregoing Is referred to in this Secxinty instrumeni as the "Property . BORROWER COVENANTS that Borrower is lawfully Seized of the Property described above. and has the right to mortgage. the Property and that the Property is unencumbered, except fof reoord. Bonowerwarreals and will defend gonerallythe title to the Property against all dams and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non- uniform covenants with limited variation by jurisdiction to constitute :a uniform security instrument covering feel. property. UNIFORM COVENANTS. Borrower and Lender;gtilaraan(annd agree as follows: 7. TERMS: The t Tathis ape ® �erreBlockGraem Loan,''teneterms :whhe9hareintendedtoarts r n tBbdeGme (Gt38G) funds utitzetttolaalRato the rehabilitation of this P are race ifedto assist ate �noome homeowner with rerwbililation unless the affordability requirements are met. L The terms of this comply with the following Borrower Shall occupy the temporary basis. Failure to abide b the required to submit proor el puinopai 1 occupancy and annually until the am tilt tale year amortozatu copies of paid receipts for taxes and and copies of County as Mortgage Holder. f the a S to provide S contract vein an independent We oom kt orm the nec principal amount of this Mortgage, i In the event the Borrower cease r ant Property which is subject to the Mortgage prior pi! of this Mortgage shall become immediakely cue The Borrower shall not reefinance the indebtedness review the proposed refinancing in order to ensure that there w CpBG monies. The Lender consents to any agreement or ari reduces or modifies any provisions of this First or theF money made as long as the makers is not allowed even on a The Borrower shad be the Lender may be added to the manner dispose of an or a portion of the he arnolUst out; than the principal amount Mortgage, The Lander prior to granting approval Shah equity after the proposed refinancing to rec ioure the which the First Lender waives, postpones, extends, including any provision requiring the repayment Of The Borrower shall Immediately oa itw the Lender to obtain approval should they desketo Vardar, asses, $ell or ate any manner dispose of all of portion of the Property, which is subject to this Mortgage prior to fulfd6ng this agreement and the and of the amortization period, Contedng the Lender will also ensure that Uta Security Instrument may be appropriately reduced incrementally for each year of tteaffordabil ty period, according to an amonization schedule based on the a 6verserydateaf the date the mortgage was recorded. The lender shall have the authority to disapprove any disposal where the proceeds of such wild be less than fair - market value as determined by an independent appraisal by State Certified Residential Appraiser. i owe is no net proceeds from the foreclosure, repayment is riot required and COBG requirements are considered to be satisfied. In the event of sere death of to Borrower(s) poor a expiration of tft affordability period has been attained. an of the debt will be forgiven. 2. Taxes. The Mortgagor will pay as taxes, assessments, s~ rents or water rates wail, to the accrual of any penalties or interest thereon.. The MorVagor shall pay or cause to be paid; as the same respectively become due. (Ax1)'all taxes and governmental Charges of any kind whatsoever which' may at any time be lovAullyassesseed or levied against or with respect to the Property, (2) iii utility and other charges. inducting "service charges ", incurred or imposed for the operation, maintenance, use, occtrpancy, upkeep and improvement of the Property, and (3) all assessments or other governmental charges that may lawfully be pad in Installments' over a period of years, the Mortgagor shill be obligated under the Mortgage to pay or cause to be paid only such installments as are required to be paid during the term of the Mortgage, and 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 "I be applied: first, to principal due; and last, to any late charges due under the Mortgage. 4, Charges; Loans. Borrower shag pay all taxes, assessments. charges, fines and impositions attributable to the Property, which may attain priority over this Security instrument. and kessenold payments or ground rents, if any. Borrower shah promptly furnish to lender all rakes of amountss to be pad 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)agraes in writing to the payment of the obligation secured by the lien In a manna acceptable to Lender; (b) contests in good faith the lien by, or defends against enforcement of we lien in, lager proceedings which in Una 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 lion to this Security Instrument, If Lender determines that any par of the Property is subject to a iforh, width may attain priority over the Security instrument, Lender may give Borrower a notice identifying the lion. Borrower shall satisfy to lien or take one or more of the actions: set forth wove within 10 days of the issuance of notice. Page 1 of 4 Prepared by: Collier County Housing, Human & Veteran Services 3339 E. Tamiami Trail Naples, FL 34112 SATISFACTION OF MORTGAGE 2/12/2013 16.D.4. 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 Ludvinia Vidaurri & Blaz Range] to COLLIER COUNTY, bearing the date of July 17,2007 recorded on 9/19/2007 in Official Records Book 4283, Page 0230, of the Public Records of Collier County, Florida, securing a principal sum of $6,570.00 and certain promises and obligations set forth in said Mortgage, upon the property situated in said State and County described as follows, to wit: Mora particularly described BEGINNING AT.TBE NT TSDN�OP. ST L E QF THE NEST HALF OF THE NORTHEAST QUAATE O Ttl BB T TO O TO SECTION 36, TOWNSHIP 16 SOUTH, RANGE S H OF AY LINE OF STATE ROAD N0. S -S50 ST NG THE SOUTH RIGHT -OF -NAY OF SA TAT 0 1 T S UTH 1050 FEET TO THE POINT OF BEGINN F T S BY C Y HENCE SOUTH 100 FEET, TRENCH WE T RTB THENCE EAST 130 T TO THE POI O .. OVBEASTGQUARTE BE BEASTEQUARTER OF SAID EAST BZ° EAST 33 FEET OF SECTION 36. LOT 1 _O and which has the address of: 1001 kaulerson Rd Immokalee 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. I Dated this day of 12013, ATTEST: DWLC;�HT E. BROCK, Clerk By: Deputy Clerk Approved as to form and legal sufficiency: Jennifer B. White Assistant County Attorney 1: \w O BOARD OF COUNTY COMMISSIONERS COLLIER COUNTY, FLORIDA L-13 Georgia A. Hiller, Esq. Chairwoman Packet Page -1827- a u u 000�e ao ,Q - M t� J ©Yry O m r; O ? u CO � w 0 M � � v a 2/12/2013 16.D.4. Project Number CD 05/06005 MORTGAGE THIS MORTGAGE ( "Security Instrument') is given on July 17, 2007 The Mortgagor is: LUdvinia Vidsurri `, a single woman and Slaz" Bg9re1 a single man ( "Borrower'). This Security Instrument Is given to Collier County ('Lender), which Is organized and existing under �tfte United States of America, and whose address is 3050 North Horseshoe Hove. Suite 110. Naples, Florida 34104 rower owes Lender the sum of Six Thousand Two Hundred Sixty Seven Dollars and 981100 0:00. ; 's debt is evidenced by Borrower's Note dated the same date as this Security Instrument (' Mortgage "), which 'des for full debt, d not paid earlier, due and payable on transfer of title, sale of property, refinance, or loss of homestead e his Mortgage will be forgiven at the ten (10) yew anniversary date of mortgage. This Security Instrument sewres to Lender. (a) the repayment of the debt evidenced by the mortgage, and all renewals, extensions and modifications; (b) the payment of all other sums, under paragraph 7 to protect the security of the Security Instrument and (c) the performance of Borrowers covenants and agreements under this Security Instrument and the Mortgage For this purpose, Borrower does hereby, convey to Lender the following described property located in Collier County, Florida. mare,palticUkaHy described as:' BEGINNING AT THE RT _ E ST L THE WEST HALF OF THE NORTHEAST QUARTS O TH H T Q TER 0 TO SECTION 36, TOWNSHIP 06 SOUTH, RANGE 8 W H OF AY LINE OF STATE ROAD NO. S -850 ST NG THE SOUTH RIGHT -OF -WAY OF SA lTAT 0 T N S UTH 1050 FEET TO THE POINT OF BEGAN F T S BY C Y - HENCE SOUTH 100 FEET, THENCE WE , RTH THENCE EAST 130 FEET TO THE POI BEGINNING; TOG ER I ASEMENT OVER THE EAST 33 FEET OF ORTHSAST QUARTEM HE 04 EAST QUARTER OF SAID SECTION 36. LOT ,1 Q and which has thV address of: I O01 Raul ereon Rd ilnmokatee Fl 34142 TOGETHER WITH all the improvements appurtenances, rents, royalties, mineral, oil and g of the property. The Security Instrument shalt OQ Security Instrument as the "Property'. BORROWER COVENANTS mortgage, the Property and that the unox dtie to the Property against sit claim THIS SECURITY INSTRU rEN variation by jurisdiction to constitute ri UNIFORM COVENANTS. So 1. TERMS: The Borrower) this gag h Loan,' the terms of which are intend the rehabilitation of this Property are to rod t the affordability requirements are m erected on the property, and all easements, rights, and stock and aU fWUres navarhereaRer a part itlons. All of the foregoing is referred to in this Is lawfully seized c imbered, except f of The terms of this Mo o not require th comply with the following con= i ipti d provisions: described above, and has the right to ier warrants and will delard generally the and non - uniform covenants with limited ant (CDBG) funds utilized to facilitate home owner with rehabilitation unless made as long as the makers Borrower shall occupy the Property -Ai' p p"� bletting of the Property is not allowed even on a u e temporary basis. Failure to abide by the princi n rots can result in foreclosure. The i3onowar sC1aU be required tOSt�milptDOfflfprinet�00Cfl�iall4' yb ,CdN6l'CrGUrryirt�rtannual badla tritV, lobe' tlNirj"`Yffdiefr t-"W, N ocC sstdannuadLytNlilt11e1btE1 t1Yti6rreye rBtriots oiipariod, Such prod * tv*Ade.prddorhwAedesdmmpdort, o. copies of paid reoelpta for taxes and insurance, and copies of insurance certificates for owneroccupted Properly listing Collier County as Mortgage Holder. If the Borrow fails to provide sufficient proof of occupancy in a timely manner, the Lender may contract with an independent title company to perform the necessary title re- certification, the cost of which will be added to the ... principal amount of this Mortgage. a r In the event the Borrower cease principal occupancy, transfer, sell or in any manner dispose of all or a portion of the Property which is subject to the Mortgage prior to fulfilling the agreement and the end of the amortization, then the prindpal anwunt of this Mortgage shall become immediately due and payable. The Borrower shall not refinance the indebtedness secured by this Mortgage. The Lender priorEogrtntlrg approval shelf review the proposed refinancing in order to ensure that there will be sufficient equity after the proposed refinancing lo recapbae the HOME monies. The Lender consents to any agreement or arrangement in which the First Lender waives, postpones, extends, reduces or modifies any provisions of the First Note or the First Mortgage, including any provision requiring the repayment of money. The Borrower shall immediately contact the Lender to obtain approval should they desire to transfer, assign, sell or in any manner dispose of all or a portion of the Property, which Is subject to this Mortgage prior to fulfilling this agreement and the end of the amortization period. Contacting the Lender will also ensure that the Security Instrument may be appropriately reduced incrementally for each year of the affordability period, according to an amortization schedule based on the anniversary date of the date the mortgage was recorded. The Lender shall have the authority to disapprove any disposal where the proceeds of such would be less than fair - market value as determined by an Independent appraisal by a State Certified Residential Appraiser. f there is no net proceeds from the foreclosure, repayment Is not required and HOME requirements are considered to be sallsfied. In the event of the death of the Borrower(s) poor to expiration of the, affordability period has been attained, all of the debt will be forgiven. 2. Taxes, The Mortgagor will pay all taxes, assessments, 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 same respectively become due, (AX1) 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 InsiallmeMs over a period of years, the Mortgagor shall be obligated under the Mortgage to pay or cause to be paid only such installments as are required to be paid during the term of the Mortgage, and 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 shall be applied; first, to principal due: and last, to any late charges due under the Mortgage. Page 1 of 4 Packet Page -1828- Prepared by: Collier County Housing, Human & Veteran Sen ices 3339 E. Tamiami Trail Naples, FL 34112 SATISFACTION OF MORTGAGE 2/12/2013 16.D.4. 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 Laura Burroughs to COLLIER COUNTY, bearing the date of May 1, 2006, recorded on 05/11/2006 in Official Records Book 4035, Page 3400, of the Public Records of Collier County, Florida, securing a principal sum of $13,300.00 and certain promises and obligations set forth in said Mortgage, upon the property situated in said State and County described as follows, to wit: More particular1y described as: Lot 5, Block 2, in South Immokalee Heights, a subdivision located in Immokalee, Collier County Florida; as per plat recorded in Plat Book 3, at page 29, of the Public records of Collier County, Florida. Folio#74030840004 And which has the address of. 409 S 2 "d St Immokalee, FL 34142 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. Dated this day of , 2013. ATTEST: BOARD OF COUNTY COMMISSIONERS DWIGHT E. BROCK, Clerk COLLIER COUNTY, FLORIDA By: By: Deputy Clerk Georgia A. Hiller, Esq. Chairwoman Approved as to form and legal sufficiency: Jennife . White ", Assistant County Attorney Packet Page -1829- A ` J V U o � o � r d+' o m t;7 a u v 0 o m C?5 c m ac Q � � d �) o M 'O c o M 'a a� o a 0 s pVp1,�� O i � r 2/12/2013 16.D.4. Project Number 8M 05-08-0023 MORTGAGE THIS MORTGAGE ( "Security Instrument") is given on .�& ✓+ ` . The Mortgagor is: Laura Burroughs a single woman ("Borromar9• ThisSecurityrinstrument is given to Collier County ("Lender"), which is organized and existing under the laws of the United States of America, and whose address is 2800 North Horseshoe DdveL Suite 400, Naples. Fkm ,alift. Borrower owes Lender the sum of Thirteen Thousand Three Hundred Dollars and nolt00tMIKO1iti, This debt is evidenced by Bonowees Note dated the same date as this Security Instrument ("Mortgage"), which provides for the full debt. if not paid eerier, due and payable on transfer of title, sale of property, refinance, or loss of homestead exemption. This Mortgays will be forgiven at this five (S) yaw armivarsary date of mortgage. This Security Instrument secures to Lender: (a) the repayment of the debt evidenced bythe mortgage, and ell renewals, extensions and modifications; (b) the payment of all other sums, under paragraph 7 to protect the security of the Security instrument; and (c) the performance of Borrower's covenants and agreements under this Security Instrument and the Mortgage. For this purpose, Borrower does hereby convey to Lender the following described property located in Colfief County Florida. More perticutartp descfibed as! Lot 5, Block 2, in South immokalee heights, a subdlvislon located In Immokaise, Collier County Fiortda; as par plat ,recorded In Plat book 3, at page 29, of the Public Records of Collier County Florida. FOLIO 0 74030840004 and:whlclr has'tlte�fdress ci ('Property Address-)_ 40 8X-* tNntrtokaMs'ff34142 TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, rights, appurtenances, rents, royalties, mineral, oil and gas rights and profits, water rights and stock and all fixturm rows hereafter apart of the property. The Security Instrument shall also cover all replacements and additions. All of the foregoing is referred to in this Security Instrument as the -Property. BORROWER COVENANTS that Borrower is lawfully seized of the property described above, and has the right to mortgage, the Property and that the Property Is unencumbered, except of record. Borrower warrants and will defend generallythe title to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines a' Is for national use and ton- uniforrn covenants with limited variation by jurisdiction to constitute a uniform dtr✓ie real property. UNIFORM COVENANTS. So rcovene as follows: 1. TERMS: The Borrowerjs) of th have been grant ad Repayment Loan; the terms of which are intended to ensure that any Home Inv p Act (HOME) tun Uliz to facilitale the rehabilitation of this Properly are recaptured and utilized to assist acrolher a rnvrher with reh '[its unless the affordability requirements are met. The terms of this Mort4ge as long as the makers comply with the following conditions and provisra: } Borrower shall o cupy tt��pp I the Property is not allowed even on a temporary basis. Failure o abide b� principal oawpancy men r In foreclosure. The Borrower shall be required to submit proof ofprincpal p ncytoCollierCountyon. `�rhn I inning on the anniversary ofthefirst-year occupancy and annually until the end ve•yaar amortization S ! I include: proof of homestead exemption, copies of paid receipts for taxes and i and copies of Insure tQa for owner-occupied Properly listing Collier County as Mortgage Holder. If the So to provide sulficienI f panty in a timely manner, the Lender may contract with an independent title compan a nec�sr4il[e fication, the cost of whirr will be added o the principal amount of this Mortgage. rr, In the event the Bortower(s) cease pri arh r l or in any manner dispose of all or a portion of the Property which is subject to the Mortgage prior to fulfilling agreement and the end of the amortization. then the principal amount of this Mortgage shall become immediately due and payable. The Borrower shall not refinance the indebtedness seared by this Mortgage. The Lender prior to granting approval shalt review the proposed refinancing in order to ensure that there will be sufficient equity after the proposed refinancing to recapture the HOME monies. The Lender oonsents to any agreement or arrangement in which the First Lenderwrdives, postpones, extends, reduces or modifies any provisions of the First Note or the First Mortgage, including any provision requiring the repayrnent of money, The Borrower shall immediately contact the Lender to obtain approval should they desire to transfer, assign, sell or in any manner dispose of all or a portion of the Property, which is subject to this Mortgage prior to fulfilling this agreement and the end of the amortization period. Contacting the Lender will also ensure that the Security Instrument may be appropriately reduced Incrementally for each year of the affordability period, according to an amortization schedule based on the anniversary date of the date the mortgage was recorded. The Lender shall have the authority to disapprove any disposal where the Proceeds of such would be less than fair-market value as detemhined by an independent appraisal by a Stale Certified Residential Appraiser. H there is no net proceeds from the foreclosure, repayment is not required and HOME requirements are considered to be satisfied. In the event of the death of the Bomuwrer( 9) prior toexplrationof the adfordabiStyperiodtaw bow stained, altof Me dot wB be forgiven: 2. Taxes. The Mortgagor will pay all taxes, assessments, sewer rents or water rates prior to the aoauai of any penalties or interest thereon. 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 orwith 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 installments 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 shall be applied; first, to principal due; and last, to any late charges due under the Mortgage. Packet Page -1830- Prepared by: Collier County Housing, Human & Veteran Services 3339 E. Tamiami Trail Naples, FL 34112 SATISFACTION OF MORTGAGE 2/12/2013 16.D.4. 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 Annie R King to COLLIER COUNTY, bearing the date of August 20,2009, recorded on 8/28/2009 in Official Records Book 4486, Page 3272, of the Public Records of Collier County, Florida, securing a principal sum of $6,059,00 and certain promises and obligations set forth in said Mortgage, upon the property situated in said State and County described as follows, to wit: More particularly described as: Palmetto Park, Blk 2, Lot 22, a Subdivision as recorded in Plat Book 5, Page 4, of Public Records of Collier County, Florida. Folio# 65072720007 Address: 615 Maple Drive ,-. Immokalee. FL 3L142,'--k �,..��' COLLIER COUNTY hereby acknowledges full payment and satisfaction of said Mortgage due the death of the borrower, and surrenders the same as cancelled, and hereby directs the Clerk of said Circuit Court to cancel the same of record. Dated this day of , 2013. ATTEST: DWIGHT E. BROCK, Clerk IRE , Deputy Clerk Approved as to form and legal sufficiency: JennQfer B. White Assistant County Attorney BOARD OF COUNTY COMMISSIONERS COLLIER COUNTY, FLORIDA C Georgia A. Hiller, Esq. Chairwoman Packet Page -1831- INSTR 4336054 OR 4+4$6 PG 3272 RECORDED "/2M I,31:30 PM PAGES 4 DWIGHT E. BROCK, COLLIER COUNTY CLERK OF THE CTR"CUIT COURT DOC 9.35 521.35 REC $35.SO OBLD 56,059.00 OBLI $0,00 Project Number HM 06.09415 MORTGAGE THIS MORTGAGE ("Security Instrument") is given on Amputt20, 2069, The Mortgagor is: AratNt R�tlYtg,- ;aklgte iiyaman ("Borrower ). This Security Instrument is given to Collier County ( "Lender"), which is organized and existing under the laws of the United States of America, and whose address is 33M E Djplantl Trail. Naples, Florida 34112_. Borrower owes Lender the sum of Six Thousand Fifty Nine Dollars aM ABMOO t"lt8',.*N.M. This debt is evidenced by Borrower's Note dated the same date as this Security Instrument ("Mortgagdrl ; which provides orthe full debt, if not paid earlier, due and payable on transfer of title, sale of property, refinance, or loss of homestead exemption. This Mortgage will be forgiven at the five (6th) year anniversary date of mortgage. This Security Instrument secures to Lender. (a) the repayment of the debt evidenced by the mortgage, and all renewals, extensions and modifications; (b) the payment of all other sums, under paragraph 7 to protect the security of the Security Instrument; and (c) the performance of Borrowees covenants and agreements under this Security Instrument and the Mortgage For this purpose, Borrower does hereby, eonveyto Lender the following described propertyiocated in Copier County Fonda, More particularly described as: Palmetto Park, 81k 2, Lot 22, a Subdivision as recorded in Plat Book 6, Page 4, of Public Records of Collier County, Florida. FolioN 65072720007 Address: 696 Maple Drive Immokalee. F1.34i4Z y 0 \ TOGETHER WITH all the tm now or hereafter alect�e;L the property, and all easements, rights, appurtenances, rents, royalties, mineral, its as rights and profits, water nigh s a todc and all fixtures now or hereafter a pad of the property. The Semel y Instrume shat 1 re laceme and a hion . All of the foregoing Is referred to in this Security Instrument as the `Property". r BORROWER COVENANT the B the Property the Pliope `' r is li seized escribed above, and has the right to rwarrants and will defend the mortgage, and that a rtltS§f9 a generally title to the Property against all claimd and a and s )ecl to y c a s racgrd. THIS SECURITY INSTRU i u to nts for at at d non - uniform covenants with limited variation by Jurisdiction to constitute ri firing UNIFORM COVENANTS. r and Lender covenant d ag as 1. TERMS: The Borrower) of gage have been gran -De yment Loan,* the terms of which are intended that any Home Inves P it Act (HOME) funds utilized to facilitate the rehabilitation of this Property are recaptu an tilized to assist another I n home owner with rehabilitation unless the affordability requirements are met. �_ /'I ._ The terns of this Mortgage d 1�, yrnents be made as long as the makers comply with the following conditions and provisfots. Borrower shall occupy the Property as their principal residence. Subletting of the Property is not allowed even on a temporary basis. Failure to abide by the principal occupancy requirements can result in foreclosure. The Borrower shall be required to submit proof of principal occupancy to Collier County on an annual basis beginning on the anniversary of the first -year occupancy and annually until the end of the Five -year amortization period. Such proof shall include: prod of homestead exemption, copies of paid receipts for taxes and insurance, and copies of Insurance certificates forowner- occupied Propertylisting Collier County as Mortgage Holder. If the Borrower falls to provide sufficient proof of occupancy in a timely mariner. the Lender may contract with an Independent title company to perform the necessary title re-certification, the cost of which will be added to the principal amount of this Mortgage. In the event the Borrower cease principal occupancy, transfer, sell or In any manner dispose of all or a portion of the Propertywhlch is subject to the Mortgage prior to fulfilling the agreement and the end of the amortization, thentheprincipal amount of this Mortgage shall become immediately due and payable. The Borrower shall not refinance the indebtedness secured by this Mortgage. The Lender prior to grunting approval shall review the proposed refinancing in order to ensure that there will be sufficient equity afterthe proposed refinancing to recapture the HOME monies. The Lender consents to any agreement or arrangement in which the First Lender waives, postpones, extends, reduces or modifies any provisions of the First Note or the First Mortgage, including any provision requiring the repayment of money. The Borrower shall immediately contact the Lender to obtain approval should they desire to transfer, assign, sell or in any manner dispose of all or a portion of the Property, which Is subject to this Mortgage prior to fulfilling this agreement and the end of the amortization period. Contacting the Lender will also ensure that the Security Instrument may be appropriately reduced incrementally for each year of the affordability period, according to an amortization schedule based on the anniversary date of the date the mortgage was recorded. The Lender shall have the authority to disapprove any disposal where the proceeds of such would be less than fair - market value as determined by an independent apprais ilbya State Certified Residential Appraiser. I there is no- tpvpeadafromlhatoradostao tee#ylmantas'+ ee9taredanA3i t+uiWramen affaortaideradtpbeaeRisfed '7- Taxes. The Mortgagor will pay all taxes, assessments, sewer rents orwater rates prior to the accrual of anry penalties or interest thereon. 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 mayat any time be lawfully assessed or levied against orwith respect to the Property, (2) all utility and other charges, including "service charges ", incurred or Imposed or 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 installments 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 shall be applied; first, to principal due; and last, to any late charges due under the Mortgage. 4. Charges: Liens. Borrower shall pay all taxes, assessments, charges, fines and impositions attributable to the Page 1 of 4 Packet Page -1832- 2/12/2013 16.D.4. Prepared by: Collier County Housing, Human & Veteran Services 3339 E. Tamiami Trail Naples, FL 34112 SATISFACTION OF MORTGAGE 2/12/2013 16.D.4. 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 Jose & Rosa Pittaluga to COLLIER COUNTY, bearing the date of August 17,2007 recorded on 09/14/2007 in Official Records Book 4282, Page 0644, of the Public Records of Collier County, Florida, securing a principal sum of $14,449.50 and certain promises and obligations set forth in said Mortgage, upon the property situated in said State and County described as follows, to wit: More particularly described as: Lot 16, Block 6, in Eden Park, a subdivision located in Immokalee, Collier County, Plat Book 4 page 70, of the Public Records of Collier County .Folio# 30684760008 and which has the address of: 1416 Plum St Immokalee Fi 34142 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. Dated this day of , 2013. ATTEST: DWIGHT E. BROCK, Clerk , Deputy Clerk Approved as to form and legal sufficiency: Jennt r B. White Assistant County Attorney t *y BOARD OF COUNTY COMMISSIONERS COLLIER COUNTY, FLORIDA Georgia A. Hiller, Esq Chairwoman Packet Page -1833- Aett; 4072564 OR; 4282 PG; Hit 2/12/2013 16.D.4. 1100SIRG i IOMAR 11I111108 RICORDID in the OMICIA6 Iicous of Cows CODiR. n OB1D 11-1-13 .311 BOMI PROGRAM 01/14 /2067 it 03:2IPM DIIIGBT I. BROCI, CLIRI OB1I 14449.50 IMTIROIPICII MIIDT HOPI HC III 35,50 Project Number WM&Q-0:1z DOC -,35 50.75 MORTGAGE - THIS MORTGAGE ('Security Instrument") is given on &AVUlij ;ML The Mortgagor is: Jose! Pittalucta & Rosa Pittalucla', husband & wife ('Borrower). This Securiy'blsfnxharttts ghren tb ophla'CaarN dousing & Human Services ("Lender"), which is organized and existing under the laws of the United States of America, and whose address is 3050 North Horseshoe Drive. Suite 110 Nades. Florida 34104. Borrower owes Lender the sum of Fourteen Thousand Four Hundred Forty Nine Dollars and 60100 1S14aftli , This debt is evidenced by Borrower's Note dated the same date as this Security Instrument (' Mortgage•), which providesforlhe full debt, If not paid earlier, due and payable on.trartsfer of tiae aaled property, refinance, or loss of homestead exemption. This Mortgage will be forgiven at the flift -1 I snniyersaA► dots Of 111 - ft'securiy Instrument secures to Lender. (a) the repayment d n,e debt evlrienoed'by the rnorlpage, and all renewals, extensions and modifications; (b) the payment of all other sums, under paragraph 7 to protect the security of the Security Instrument; and (c) the performance of Borrower's covenants and agreements under this Security Instrument and the Mortgage For this purpose, Borrower does hereby. convey to Lender the following described properly located in Collier County. Florida, More' particularly described as, Lot 16, Black 6, In Eden Park, a subdivision located In Immokalee, Collier County, Plat Book 4 page 70, of the Public Records of Collier County .Folio# 30684760008 and which has the address at 5416 Plum St Immokafee FI 34442 TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, lights, appunwanoss, rents, royalties, mineral, oil and gas rights and profits, water rights and stock and alt fixtures row or hereafter apart of the property. The Security Instrument shall also cover all replacements and additions. All of the foregoing is referred to In this Security Instrument as the "Property'. BORROWER COVENANTS that Borrower Is lawfully seized of the property described above, and has the right to mortgage, the Property and that the Property is unencumbered, except f of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non - uniform covenants with limited variation by Jurisdiction to constitute a uniform security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender oovenant and agree as follows: 1. TERMS: The Borrower) of this Mortgage havr_been+gra a'Deferred Repayment Loan; the terms of which are Intended to ensrue artnership Act (HOME) funds utilized to facilitate the rehabilitation of this Property are recaptured come home owner with rehabilitation unless the affordability requirements are met. / h \ The terms of this Mor�gagp'�-AOt wcjuirs that pay nt>s\be made as long as the makers comply with the following dlt tdgrovts o . Borrower shall occupy th Pro r u ng o the Property is riot allowed even on a temporary basis. Failure to abide th pri cip p n r is n utt lin foreclosure. The Borrower shall be required to submit proof of principal to II u • n ann 1 t(asi hei ning on the anniversary of the first -year occupancy and annually until the a of is r on proof shall Include: proof of homestead exemption, copies of paid receipts and insurance, and cool f i cues for owner-0ecupied Property listing Collier County as Mortgage Holder, falls to provide an pro panty in a timely manner, the Lender may contract with an independent tide to perform the neces on, the cost of which will be added to the principal amount of this Mortgage. In the event the Borrower Dees occupancy, tr"rsfer any manner dispose of all or a portion of the Property which is subject to the Mortgage pnbr� . IA t tj end of the amortization, then the principal amount of this Mortgage shall become Immediatey due 1 _2 ; The Borrower shall not refinance the Ind -tfy- this Mortgage. The Lender prior to granting approval shall review the proposed refinancing in order to ensure that there will be sufficient equity after the proposed refinancing to recapture the HOME monies. The Lender consents to any agreement or arrangement in which the First Lender waives, postpones, extends, reduces or modifies any provisions of the First Note or the First Mortgage, including any provision requiring the repayment of money. The Borrower shall Immediately contact the Lender to obtain approval should "desire to transfer, assign, sell or In any manner dispose of all ore portion of the Property, which is subject to this Mortgage prior to fulfilling this agreement and the end of Me amortization period. Contacting the Lender will also ensure that the Security Instrument may be appropriately reduced incrementally for each year of the affordability period, according to an amortization schedule based on the anniversary date of the date the mortgage was recorded. The Lender shall have the authority to disapprove any disposal where the proceeds of such would be less than fair- market value as determined by an independent appraisal by a State Certified Residential Appralaw. f there is no net proceeds from the foreclosure, repayment is not required and HOME requirements are considered to be satisfied. In the event of the death of the Borrower(s) prior to expiration of the, affordability period has been stained, all of the debt will be forgiven. 2. Taxes. The Mortgagorwill pay all taxes, assessments, sewer rents orwater rates priorto the actual of any penalties or interest thereon. The Mortgagor shall pay or cause to be paid, as the same respectively become due, (AX 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 orother governmental charges that may lawfully be pad In installments over a period of years, the Mortgagor shall be obligated under the Mortgage to pay or cause to be paid only such installments as are required to be paid during the term of the Mortgage, and 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 shall be applied; first, to principal due; and last, to any late charges due under the Mortgage. 4. Charges; liens. Borrower shah pay all taxes, assessments, charges, fines and impositions attributable to the Property, which may attain priority over this Security Instrument, and leasehold payments or ground rents, 9 any. Borrower shall promptly furnish 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 acoeptable 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 hen to this Security 10_\ Instrument. If Lender determines that any pan of the Property is subject to a lien, which may attain priority over the Security Instrument, Lender may give•Bonower a notice identifying the lien. Borrower shall satisfy the lien or take one or more of the actions set forth above within 10 days of the issuance of notice. Page 1 of 4 Packet Page -1834- Prepared by: Collier County Housing, Human & Veteran Services 3339 E. Tamiami Trail Naples, FL 34112 SATISFACTION OF MORTGAGE 2/12/2013 16.D.4. 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 Heather Grimshaw to COLLIER COUNTY, bearing the date of November 7, 2007, recorded on 11/16/2007 in Official Records Book 4303, Page 2854, of the Public Records of Collier County, Florida, securing a principal sum of $6,920.00 and certain promises and obligations set forth in said Mortgage, upon the property situated in said State and County described as follows, to wit: 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. Dated this day of , 2013. ATTEST: DWIGHT E. BROCK, Clerk , Deputy Clerk Approved as to form and legal sufficiency: a Jenrffl'er B. White Assistant County Attorney` <'y t BOARD OF COUNTY COMMISSIONERS COLLIER COUNTY, FLORIDA an Georgia A. Hiller, Esq. Chairwoman Packet Page -1835- Project Number HM 07-0&003 MORTGAGE 2/12/2013 16.D.4. THIS MORTGAGE ("Security Instrument") Is given on _Nov er t 2401, ,Tae Mortgagor is: Gr aaahatr a single woman ("Borrower). This Security Instrument is given to Coilier County ( "Lender*), which is organized and existing under the laws of the United States of America, and whose address S is 3050 North Horseshoe Drive. Suite 110, Nmles. Florida 34104. Borrower owes tender the sum of Six Thousand Nine a " Hundred Twenty Dollars and no /100 ffii9 Q01. his debt is evidenced by Borrowers Note dated the same date as this Security Instrument ("Mortgage"), which providatforlhe'h ll debt, if not paid earlier, due and.payaWe0r1llsrttSfBtof(itlB s81e of properlyrrstmance, or loss of homestead exemption. This Mortgage will be forgiven etltlt; ONtt( 1 v etirwarsary, 4 : , .: tnOhlg9gi' 7NS Security Instrument secures to Lender: (a) the repayment of the debt to mortgage, and all renewals, - extensions and modifications; (b) the payment of all other sums, under paragraph 7 to protect the security of the Security Instrument; and (c) the performance of Bonowers covenants and agreements under this Security Instrument and the Mortgage For °^ this purpose, Borrower does hereby, convey oLanft the following described property located in Collier County. Florida. " as; Unit No. 201, Phase Declaration of Condominium and Exhibits thereof recorded in official Records Book 1104, Page 2389; Official! Records book 1150, page 792; Official Records Book 1305, Page 1287; Official Records Book 1322, page 1431; Official Records Book 1428, page 55 and Official Records Book 1443, page 1507, all of the Public records of Collier County Florida Folio 074860040003 1480 Green Valley Circle 0201 Naples F/ 34104 TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements. rights, appurtenances, rents, royalties, mineral, al and gas rights and profits, water rights and stock and all fixtures roworhereaftera part of the property. The Security instrument shall also cover all replacements and additions. All of the foregoing Is referred to in this Security Instrument as the "Property'. BORROWER COVENANTS that Borrower is lawfully seized of the property described above, and has the right to mortgage, the Property and that the Property is unencumbered, except I of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, sub' encumbrances of record. THIS SECURITY INSTRUMENT combi national use and non - uniform covenants with limited variation by jurisdiction to constitute a unifo t 94ki property. UNIFORM COVENANTS. B der covenant ap follows: 1. TERMS: The Borrower) of this a have been granted a. epayment Loan,' the terms of which are intender ens thatan Nome Investment P ers ' Act (HOME) funds utilized to facilitate the rehabilitation of this Property are race n 'lized tdassistatlrZtfwer lower-4 corn home owner with rehabilitation unless the affordability requirements are met. The terms of this comply with the following - ''Z o 0 ,d : y s4 � •i 0 �.o rT .aa 00 .°� C b Gw>i o ry A cur n A r made as long as the makers 8 1% -9 chil an r Borrower shall occupy the' as their principal resr nce. Suble ' the Property Is not allowed even on a temporary basis. Failure to abide b rinclpal occupancy requi en I ca keg in foreclosure. The Borrowwer shall be a required to submit proof of principal to Collier County on a u Inning on the anniversary of the first -year occupancy and annually until the end Ilse v • e am proof shall include: proof of homestead exemption, copies of paid receipts for tax a prance, and copies of 1 rcales forownter-ocaupied Property listing o 0 0 0 Collier County as Mortgage Holder. If the Jails�o provide ep of occupancy in a timely manner, the Lender may contract with an independent title comptrtheL ► t�� certification, the cost of which will be added o the principal amount of this Mortgage. ► t' in the event the Borrower cease principal occupancy, transfer, sell or in any manner dispose of ae or a portion of the Property which is subject to the Mortgage prior to fulfilling the agreement and the end of the ananization. then the principal amount of this Mortgage shall become immediately due and payable. The Borrower shall rot refinance fheindebtedness secured by this Mortgage, The Lender prioro granting approval shall review the proposed refinancing in order o ensure that there will be sufficient equity after the proposed refinancing o recapture the HOME monies. The Lender consents to any agreement or arrangement in which the First Lender waives, postpones, extends, reduces or modRes any provisions of the First Note or the First Mortgage, including any provision requiring the repayment of money The Borrower shall immediately contact the Lender to obtain approval should they desire o transfer, assign, sell or in any manner dispose of all or a portion of the Property, which is subject to this Mortgage prior o ful illing this agreernent and the end of the amortization period. Contacting the Lender will also ensure that the Security Instrument may be appropriately reduced incrementally for each year of the affordability period, according to an amortization schedule based on the anniversary date of the date the mortgage was recorded. The Lender shall have the authority o disapprove any disposal where the proceeds of such would be less than fair•market value as determined by an independent appraisal by a State Certified Residential Appraiser. f there is no net proceeds from the foreclosure, repayment is not required and HOME requirements are considered o be satisfied. In the event of the death of the Borrowers) prior to expiration of the, affordability period has been attained, all of fhe debt will be forgiven. 2. Taxes. The Mortgagor will pay all taxes, assessments, 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 same respectively become due, (AX 1) all taxes and governmental charges of any kind whatsoever which may at any time be lawfully assessed or levied against or with respect b the Property, (2) all utility and other charges, including "service charges ", incurred or imposed fw the operation, maintenance, use, occupancy, upkeep and improvement of the Property, and (3) all assessments or other governmental charges that may lawfully be paid o installments over a period of years, the Mortgagor shall be obligated under the Mortgage to pay or cause o be paid only such installments as are required o be paid during the tern of the Mortgage, and shall, promptly after t e payment of any of the foregoing, forward o Mortgagee evidence of such payment. 3. Application of Payments. Unless applicable law provides otherwise, all payments received by Lender shall be applied; first, to principal due; and last. to any late charges due under the Mortgage. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines and impositions attributable to the Property, which may attain priority over this Security InsW ment, and leasehold payments or ground rents, if any. Borrower shall promptly furnish to Lender all notices of amounts o 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 enfornemordof the lien; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Page 1 of 4 Packet Page -1836-