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Agenda 01/24/2012 Item #16D 71/24/2012 Item 16.D.7. E + JIM SUNIl I RY Recommendation to approve and authorize the Chairman to sign one (1) satisfaction of mortgage for owner - occupied affordable housing units that repayment in fall has been provided to Collier County. OBJECTIVE: Approve and authorize the Chairman to sign one (1) satisfaction of mortgage. CONUMA ONS: The State Housing Initiatives Partnership Program (SHIP), a state affordable housing grant, offers assistance to first time homebuyers 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 details the client(s) who has repaid all funds expended on their behalf and are entitled to a satisfaction of mortgage. Name EEUft Instrument Payoff Amount Public ford Loretta Hollis and Jennifer Hollis SHIP Second Mortgage $5,000.00 OR Book: 2065, PG: 1662 Approval of this item will authorize the Chairman to sign the aforementioned satisfaction of mortgage and the executed documents shall be recorded in the Public Records of Collier County, Florida. FISCAL EWPACT: SHIP funds in the amount of $5,000.00 have been repaid and are considered program income. Such funds may be reused for eligible SHIP program activities. -LEGAL CONSWJU&&UMS: This item is legally sufficient and requires a majority vote for Board action. JW 9ROWTH MANAGEMF,NT IMPACT: There is no growth management impact associated with this Executive Summary. RECOMMEND&TI ©N: Approve and authorize the Chairman to sign one (1) satisfaction of mortgage for owner - occupied affordable housing units that have satisfied the terms of assistance or repayment in full has been provided to Collier County Prepared By: Kimberley Grant, Interim Director, Housing, Human and Veteran Services Packet Page -1806- COLLIER COUNTY Board of County Commissioners Item Number: 16.D.7. 1/24/2012 Item 16.D.7. Item Summary: Recommendation to approve and authorize the Chairman to sign one (1) satisfaction of mortgage for owner - occupied affordable housing units that repayment in full has been provided to Collier County. Meeting Date: 1/24/2012 Prepared By Name: DoriaPriscilla Title: SHIP Loan Processor,Housing, Human & Veteran Services 12/21/20112:00:37 PM Submitted by Title: SHIP Loan Processor,Housing, Human & Veteran Services Name: DoriaPriscilla 12/21/20112:00:38 PM Approved By Name: AlonsoHailey Title: Administrative Assistant,Domestic Animal Services Date: 1/5/2012 10:12:04 AM Name: GrantKimberley Title: Interim Director, HHVS Date: 1/6/2012 9:59:08 AM Name: RamseyMarla Title: Administrator, Public Services Date: 1/10/2012 4:12:03 PM Name: WrightJeff Title: Assistant County Attorney,County Attorney Date: 1/12/2012 8:04:42 AM Packet Page -1807- Name: KlatzkowJeff Title: County Attorney, Date: 1/12/2012 8:29:14 AM Name: PryorCheryl Title: Management/ Budget Analyst, Senior,Office of Management & Budget Date: 1/13/2012 1:31:09 PM Name: OchsLeo Title: County Manager Date: 1/16/2012 3:00:27 PM Packet Page -1808- 1/24/2012 Item 16.D.7. r- -... 1/24/2012 Item Y Prepared by: Collier County Housing, Human & Veteran Seivices 3339 E. Tamiami Trail. Naples, FL 34112 THIS SPACE FOR RECORDING SATISFACTION OF MORTGAGE r KNOW ALL MEN BY THESE PRESENTS: That COLLIER COUNTY, whose post office address is 3299 E TANIIANII T14AIL, NAPLES, FLORIDA 34112, the owner(s) and holder(s) of a certain Mortgage executed by 4retta Hollis and Jennifer Hollis to COLLIER COUNTY, bearing the date of May 31, 1995, recorded June 5, 1995, in Official Records Book 2065 Page 1667, of the Public Records of Collier County, Floridan, securing a principal sum of $5,000.00 and certain promises and obligations set forth in said Mortgage, uron the property situated in said State and County described as follows, to wit: Y Legal Description: Lot I$, Block 174, Golden Gate, Unit 5, according to the plat thereof, of record in Plat Book 5, Pages 117 through 123, of the Public Records of Collier County, Florida (5201 19'h Avenue SW, Naples, FU34116) 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 F , 2012. F ATTEST: BOARD OF COUNTY COMMISSIONERS DWIGHT E. BROCK, Clerk COLLIER COUNTY, FLORIDA F t k R By: By; Deputy Clerk t Approved as to form County FRED W. COYLE, CHAIRMAN Packet Page -1809- 16.D.7. 1/24/2012 Item 16.D.7. 19441ry watt a,vwv &WO .vv, UCOUID 11 01PICIAL IROICS 0: COLL111 COUITI. !� 06MI$ at LOAM D11;H? 1. 81001, CLIII OILD 5000.00 FORA 0 0111 5000.00 UC 111 :9.50 jZeO 11,50 DOC -.IS 11.50 TO 10-01" 50 SECOND HORTGM Attn: 111 ?01 10.00 Tx -L 17r ACTION TITLI CO PIC1 UP A TNL1 SEC= NMTGAOE ("Security Instruwdo) is given an May 31 , 199_,. The Sword MortgoW is: Loretto Moll is and Jennifer Noll is, t &Tft S(N6LE V (tiborrowrr). This Security instrument is given to Collier ceu,ty \"n) (•lerderm), which is orpnited and existing under the law of the United Stotts of America, rd whose address is 2800 North Norseahae Drive. wool«_ Florida 13942, Borrower awn Laden the an O Five TNaxANe RCLLARa AND N0i100 of (U.S. S 5.000.00 I. This debt is evidenced by Borrower's Note dated the sans v 1 date as this Security Instrument (•Secand Mortgage-), which provides for emnthly payments• with the full debt, if not l paid earlier, due and payable an ' . This Security Instrument secures to Larder: (s) the repayment gf the debt evidenced bextensions y the Mote, with Interest, and alt renewals, exte and modifications; (b) the payment of all other sums, with interest advanced under paragraph 7 to protect the security of the Security instrument; soul (c) the performance of Borrower's covenants and agreements under this Security instrument and the Note. For this purpose, .,� Borrower dome hereby second mort "p, grant and convey to Lefler the following described property located in f1 �• Collier County. Florida. t' • • Payable upon sale of property, refinance or Loss of homestead exemption. C As sore particularly described an Exhibit •A,• and which has the address of W ("Property Address*): S201 19th Avenr sw 11P' !81 "1 c. 1 Anise FL id. 11909 TOGETHER YITDa all the f.prey.m�em Khere f} raCtad on the property, and all eaaosenta, rfghta, appurtenances, rents, royalties, mineral i fJto. water rights and stock and ail fixtures now x hereafter •pet of the property. emanta and eddi ep411 alw b covered by the Security Instrussnt. All of the foregoing is referred twit j s Security Instrument ti(i'raperty. BORROWER COVENANTS that Bonfower s call melted of the met a hereby canvayed and has the right to aartgage, grant and Convey the Property oriel that he Pr uba except for encumbrencme of record. Borrower warrants end will defend gersrall the 411t o Pr ty guest all aims; and demehda, ahblset to any arcunbrencme of record. TDalB SECURITY IMfT T ceeb f t i and nonuniform covenants with limited variation by lhriadietian to erjnst�';,LL ' i t aaYer real property. IMI►ORM COYENAYTS. Barr e age totlaw4: 1. P&WwA of Principe ( met d lat rgiaRbrrowr aAall pramptlY WY when dos the principal of and interest an t *l the Note, 1 / C✓f 2. Toss. The Mortgage y l pay all taxes, asses q, knew �/a or wter rates prior to the accrual of any penalties or Interest ther C�" / The Mortgagor shall pay adsa to be paid, u sae Qoi timely became due, (A M all taxes and governmental cherps of any kind who 1; may at any time he amassed or Levied against or with respect to the Property, (2) all utility and r , including •sa ech gme• Incurred or imposed for the operation. wintertime, use, occupancy, upkeep t of t "rd (3) all assessments or other governmental charges that may lawfully be paid In ins 1 years, the Mortgagor &hall be obligated under the Mortgage to pay or cause to be paid only such s me required to be paid during the two of the Mortgage, and shall, promptly after the payment of any of the no, forward to Mortgages evidence of mach payment. 3. Application of Payments. Unless applicable Low provides otherwise, all payments received by Lender &hell be applied; first, to interest due; and, to principal due; and last, to any late charges due under the Note. i. Charges; Lies. Borrower shall pay all taxes, assessments, charges, fines and imposition ateributebte to the Property which any attain priority over this Security Instrument, and leasehold psymants or ground rents, if wry. Borrower shat( promptly furnish to Lender all notices of gmmnts 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 abliption seared by the lien in a metier acceptable to lender; (b) contests in good faith the lion by, or defends against enforcement of the lien in. Lepl proceedings which in the Lender's pinion operate to prevent the enforcement of the lien; or (c) secures free the holder of the lion an agreement satisfactory to lender subordinating the Lien to this security Instrument. If Larder determines that any part of the Prperty Is subject to a lien which may attain priority over the Security Instr~t, Lefler my give Borrower a notice identifying the lien. Borrower shalt satisfy the lien or take one or more of the action sat forth above within 10 days of the giving of notice. S. Dastard or Property Insurance. Borrower shalt keep the lowoveeents row existing or hereafter erected on the Property Inured spinst to" by fire, hazards included within the term -extended coverage• rd any other hazards. Including floods or flooding, for which Lender requires insurance. This insurance &MIL be maintained in the amounts and for the periods that Lender requires. The insurance carrier providing the lrwra ce shall be them by Borrower ")set to LadaNs approval Which shell not be unreasonably withheld. If Borrower fails to maintain coverage described above, Lender may, at Larder's option, obtain coverage to protect lender's rights in the Property in accordance with paragraph T. At ell times that the Note is outstanding, the Nortgapr shop maintain insurrce with respect to the Premises spinet much risks and for such amonts as are customarily insured against ad pay, as the area brc, dm and payable, all premium in respect thereto, Including, but rot limited to , all -risk Insurance protecting the interests of the Mortgagor and Mortgages spinet Loss or damage to the Premises by fire, Lightning, and other casualties custawrily insured against (including boiler explosion. If appropriate), with a uniform standard extended covers" endorsement, including debris removal coverage. Such insurance at all times to be in an amount not to" than the full replacement cast of the Premises, exclusive of footings and foundations. All insurance policies and rennet& shell be acceptable to Lender ad shell include a standard mortgage clause.. Lender shat) have the right to hold the policies and renewals. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices, in the event of loss, Borrower shell give prompt notice to the Insurance carrier and tender. Ledge way asks proof of loss if not mods promptly by Borrower. Unto" Lender and Borrower otherwise agree in writing, inslrece pmeod& shalt be applied to restoration or repair of the Property damage(, if the restoration or repair to economically feasible and Lender's security is not lessened. If the restoration or repair is not economically feasible or Lender'& security would be Lessened. the Insurance proceeds shall be applied to the sumo secured by the Security Irotruaeht, whether or not than due, with any *us" paid to Borrower. If Borrower abandons the Property, or does not answer within 30 days a notice from Lander that the insurance carrier has offered to settle a claim, than Lender way collect the insurance proceeds. lender may -1- Packet Page -1810- •aNed.hq 1/24/2012 Item 16.D.7. FORK O use the proceeds to repair or restore the Property or to pay sus secured by this Security Intrumant, whether or not then due. The 30-day period wilt begin when the notice is sailed. Unless lender and Borrower otherwise ogre* in writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in paragraph 1 or charge the amount of the payments. If under paragraph 21 the Property is acquired by Lender, Borrower's right to any insurance policies and proceeds resulting from damage to tla Property prior to the acquisition shalt pass to lender to the extent of the sus secured by this Security Instrument Immediately prior to the acquisition. 6. Occupancy, Preservation, Maintenance and Protection of the Property; Borrower's Loan Application, Leaseholds. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within sixty days after the execution of this Security Instrument end shall continue to occupy the Property As Borrower's principal residence for at least one year after the date of occupancy, unless larder otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. Borrower shalt not destroy, damage or impair the Property, allow the Property to deteriorate, or commit waste an the Property. Borrower shall be in default if any forfeiture action or proceeding, whether civil or criminal, is begun that in Larder's good faith judgment could result in forfeiture of the Property or otherwise materially impair the lien created by this Security Instrument or lender's security interest. Borrower nay cure such a default and reinstate, as provided in paragraph 18, by causing the action or proceeding to be dismissed with a ruling that, in Lender's good faith determination, precludes forfeiture of the Borrower's interest in the Property or other material impairment of the lien created by this Security Instrument or larder's security interest. Borrower shall also be in default if Borrower, during the loan application process, gave materially false or inaccurate information or statements to Lender (or failed to provide Lender with any material information) in correction with the loan evidenced by the Note, including, but not limited to, representations concerning Borrower's occupeney of the Property as a principal reaidence. If this Security Instrument is on a leasMold, Borrower shall comply with all the provision of the lees *. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not marge unless lender agrees to the merger in writing. T. Protection of Lender's Rights in the Property, If Borrower fails to perform the cove ants and agrom ents contained in this Security Instrument, or there is m legal proceeding that may significantly affect Lender's rights in the Property (such as a proceeding In bankruptcy, probate, for c,"' tion or forfeiture or to enforce laws or regulations), then Larder may do and pay for whatever is necessary to protect the value of the Property and Lender's rights in the Property. Lender's actions may include paying any some secured by a lien which has priority over this Security Instrument, appearing in court, paying reasonable attorneys' fees and entering on the Property to make repairs. Although lender may take action under this paragraph 7, Lender does not have to do so. Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Borrower secured by this Security Instrument. Unless Borrower and lender agree to other term of payment, these amounts shell bear interest from the date of disbursement at the Not re V—a'CIIA able, with interest, upon notice from Lender to Borrower requesting payment. S. Mortgage insurance. If L cured �ioltQagtd a as a condition of making the loan secured by this Security Instrument, Borrower sh7,I�y the premiums requ mminain the mortgage insurance in effect. If, for any reason, the mortgage inika -4 coverage required by L r lapses sax ceases to be in effect. brrorer chaff pay the premiss required to obtain ver subet antidly valeitt to the mortgage Insurance previously in effect, at a coat substantially pquivil to the BQnrewer o the mortgage Insurance previously in effect, from an alternate emrtgage Inc er If submtsntia y equivalent mortgage insurance coverage is not available, Borrower shall p�y t L r - t t t l Ifth of the yearly mortgage insurance premium being paid by Borrower when e e e t r meet o be in affect. lender will accept, 1 am eP use and retain these payments *a a s ram r i li o nt one loss reserve payments may no forger be required, at the option of f gaga cove ge (i � the amount and for the period that lender requires) provided by an insurer�ippiov n av 1, abfE'" is obtained. Borrower shall pay the premiums required to maintain mmQpPeY a raurance n effect nor to provi foss reserve, until the requirement for mortgage insurance ends in accofdapc with any written agreement bet erower and Larder or applicable law. 9. Inspection. Lender lbpr-- agent may mate reaso�tr ese and inspection of the Property. pr Larder shall give Borrower notice time of or ior to i specifying reasonable cause for the Inspection. i, 10. Cordlemnat{on. The procae y award or alai on direct or consequential, in correction with any condamuation or other taking o afny q��ae Wj for conveyance in liou of condemnation, are hereby assigned and shall be psi d to larder tiA i�a al taking of the Property, the proceeds shall be applied to the sus secured by this Security r or not then due, with any excess paid to Borrower. In the event of a partial taking of the Property, in ich the fair market value of the Property immediately before the taking is owl to or greater than the amount of the sum secured by this Security Instrument immediately before the taking, unless Borrower and Larder otherwise agree in writing, the sus secured by this Security instrument shalt be reduced by the amount of the proceeds multiplied by the following fraction: (a) the total arrant of the sus secured immediately before the taking, divided by (b) the fair market value of the Property immediately before the taking. Any balance shall be paid to Borrower. In the event of a partial taking of the Property in which the fair market value of the Property immediately before the taking is less than the amount of the sus secured Immediately for the taking, unless Borrower and lender otherwise agree in writing or unless applicable law otherwise provides, the proceeds shall be applied to the sus secured by this Security Instrument whether or not the sus are then due. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in paragraphs i or charge the arrant of such payments. 11. Borrower Not Released, Forbearance By Lender Not a Waiver. Extension of the time for payment or mdificatian of amortization of the sums secured by this Security Instrument granted by lender to any ascessor in interest of Borrower shall not operate to release the liability of the original Borrower or borrower's successors in interest. larder shall not be required to commence proceedings against any successor in interest or refuse to extend time for payment or otherwise modify amortization of the sus secured by this Security Instrument by reason of any demand made by the original Borrower or Borrower's successors in interest. Any forbearance by lender in exercising any right or remedy shall not be a waiver of or preclude the exercise of any right or resWt. 12. Successors and Assign Bound; Joint and Several Liability; Co- Signrs. The covenants and agreeaoncs of this Security Instrument shall bind and benefit the successors and assigns of Lender and borrower, subject to the Provision of paragraph 17. Borrowers covenants and agreements shall be joint and several. Any Borrower who co- sire this Security Instrument but does not execute the Note; (a) is co- signing this Security Instrument only to mortgage, grant ad convey that Borrower's interest in the Property under the terms of this Security instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that larder and any other Borrower may agree to extend, modify, forbear or make any accommodation with regard to the terms of this Security Instrument or the Note without that Borrower's consent. 13. Loan Charges. If the loan secured by this Security Instrument is subject to a law Mich sets maxim Loan charges, and that low is finally interpreted so that the interest or other loan charges collected or to be collected in correction with the loan exceed the permitted limits, then: (a) any such loan charge shat% be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sus already collected from borrower Mich exceeded permitted lialts will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge under the Note. 14. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by salting It by first class mail unless applicable law required use of gather method. The notice shall be directed to the Property Address or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given to Borrower or Lender when given as provided in this paregroo. Packet Page -1811- :.,rad.up 1/24/2012 Item 16.D.7. FORM 0 1S. Governing Low; Soverability. This Security Instrument shall be governed by federal Law and the lw of the jurisdiction in which the Property is located. In the event that any provision or clause of this Security Instrument or the Rote conflicts wit-" applicable low, such conflict shall rot affect other provision of this Security Instrument or the Rote which can be given effect without the conflicting provision. To this end the provision of this Security Instrument and the Rote are declared to be severable. 16. Borrower's Copy. Borrower shall be given one conformed copy of the Rote ad of this Security Inttnaent. 17. Transfer of the Property or a Beneficial Interest in Borrower. !f •ll or arty part of the Property or any Interest. In it is sold or transferred (or if a beneficial interest in Borrower is gold or transferred and Borrower is not a natural person) without lender's prior written consent, Larder my, at its option, require Immediate payment in full of all suss secured by this Security Instrument. however, this option shall net be saarcisad by larder if exercise is prohibited by federal law as of the date of this Security lntrusant. If Lander exercised this option. Larder shall give Borrower notice of acceleration. The notice $hell provide a period of not leas than 30 days from the date the notice is delivered or mailed within which Borrower ant pay all sure secured by this Security Instrument. If Borrower foils to pay these sume prior to the expiration of this period, Lender may Invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 16. Borrower's Right to Reinstate. if Borrower nests certain conditions, Borrower shall have the right to hew enforcement of this Security Instrument discontinued at any time Prior to the earlier of : (a) S days (or such other period as applicable Iw soy specify for reinstatement) before sale of the Property pursuant to any power of sale contained in this Security Instrument; or (b) entry of a judgment enforcing this Security Instrument. Those codition are that Borrowers (a) pays Lender all sus which then would be due under this Security Instrument and the Rote es if ro acceleration had occurred; (b) cures and default of any other covenants or agreements; (c) PAYS all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attorney's fees; and (d) takes such action as Lender may reasonably require to assure that the lien of this Security instrument, larder's rights in the Property and Borrower'& obligation to pay the star secured by this Security instrument shall continue unchanged. Upon reinstatement by Borrower, this Security instrument wd the obligation secured hereby shalt resin fully effective as it no acceleration had occurred. However, this right to reinstate shall not apply In the case of acceleration under paragraph 17. 19. Sale of mote; Change of loan Servicer. The Note or a partial interest in the Rote (together with this Security instrument) my be sold one or more times without prior notice to Borrower. A sale any result in a change In the entity (known as the "Loan Servicer ") that collects monthly payments due under the Rote and this Security Instrument. There also my be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the loan Servicer, Borrower will� b. written notice of the charge in accordance with paragraph 14 and applicable law. The notice will state'S� mm�me�as of the now Loan Servicer and the address to which payments should be media. The notice wil.i�t9o. fain ho ' formation rewired by applicable taw. 20. Hazardous Substances. 4 Y not c t the presence, use, dimpowl, storage, or release of any Hazardous Substances ` the Property. Bo r it not do, nor allow arty" also to do, anything affecting the Property It tt�'Sejin vralatian of any Envir t lox. The preceding two sentences shall not apply to the presence, use, . ttor'' Property of small�Quant ties of Hazardous Substances that are generally recognized to be apprgprisy tilowmal ee and to m�'"wince of the Property. Borrower shall promptly give Ls}ider� written no 'ce any i stigatn, claim, demerd, lawsuit or other action by any governmeattat or regulatoryia v t e rty and any Hazardous Substance or Environmental Lw of which Borrow /he l l If sear or (s not IfIad by any governmental or regulatory wthorltY, that �Yjjr al or o he r i ti :anidounSubstar• affecting the Property is necessary, Borrower shall Firabt V Uk a s or ial i actordarce with Environmental Law. As used in this paragraph 211, at ose trod as toxic or hazardous substaces r flammable or toxic petroleum products, by Environmental lox and end f low ro substances: gaaolihe, kenaaa���sssone �. Pe toxic pesticides and herbicides �&)Atile solvents, meteria eon inn ltbntoo or formeldehyde, and radioactive sate lots. As used paragraph 20, "Env al era federal laws and laws of the jurisdiction where the Pr rty I ed that relate to he 't� , a br environmental protection. 21. Acceleration emedi r shall give rotice�L o r prior to acceleration following Borrower's breach of any covenant or r In this Securi usenet (but not prior to acceleration under paragraph 17 unless applicable lw pro i t hall Specify: (a) the default; (b) the action required to cure the default; (c) a data, i!��pa+n �aY! as the date the notice is Nivan to Borrower, by Witch the default mat be cured; and (d) the tit he default on or before the Clete Specified in the notice my result in acceleration of the sus secured by this Security Instrument, foreclosure by judicial proceeding ad sale of the Property. The notice shall further inform Borrower of the right to reinstate after acceleration and the right to assert in the foreclosure proceeding the non-existence of a default or any other defense of Borrower to acceleration ad foreclosure. If the default is not cured on or before the data specified in the notice, lender, at its option, my require immediate payment in full of all sus secured by this Security Instrument without further demand and my foreclose this Security Instrument by judicial proceeding. lender shall be entitled to collect ell expenses incurred in pursuing the remedies provided in this paragraph 21, including, but rot limited to, reasonable attorney's fees and costs of the title evidence. 22. Release. Upon Payment of all sus secured by this Security Instrument, Lender shall release this Security Instrument, without charge, to Borrower. Borrower shall pay any recordation costs. 23. Attorneys' fees. As used in this Security Instrument and the Rote, "attorneys' fees" shall include any attorneys' fees awarded by an appellate court. 24. Riders to this Security Instrument. If one or more riders are executed by Borrower and recorded together with this Security Instrument, the covenants and agreements of each such rider shall be incorporated into ad shall amend and supplement the covenants and agreements of this Security instrument as if the riders) were a part of this Security Instrument. (Check Applicable Box) ❑ Adjustable Rate Rider ❑ Rate improvement Rider ❑ Graduated Payment Rider 0 1•4 family Rider ❑ Betloen Rider ❑ siweekly Payment Rider ❑ C, J iniva Rider ❑ Second Rome Rider ❑ Piaeed unit Development Rider ❑ Other(s) (specify SIGNING BELOW, Borrower accepts and agrees to the terns and covenants contained in this Security Instrument and in any riders) executed by Borrower and recorded with it. Signed, sealed "delivered in the presence of: .3• Packet Page -1812- 1/24/2012 Item 16.D.7. v.,o W- • v. __. . ft1BM 0 Signature / Signature: Borrower Print /7 Address: ;J's Bigr»turo: "��' Signature: (Seal) Print Noon, ANN i i.. .: 1'.'. r r Address: Ue If0.. 1 I a 1/1-5 signsturr. -� \� c e. __.1 \,t �)' "1hV41NUri: (Seat) Borrower Print Bane• �ONIWM) A610. Signature: Signature: B rower (Sant) or Print Nuns• Address: � cou %0 fTATE Of ti7 °1 / CMAITT .1 1 hereby certify that on t y�,/`1 f re ar Co du y outhorised in the state aforesaid and in the li� s. cot�+ty of Id to t�k� K ii Per ty red rl! ✓✓ hP K S_ to no known to M 0 described in and who executed the Instrument and acknowledged before s for the purpose therein expressed. MITIIESS /Y hared and official tool In the County and , to aforesaid this day of My Caar.ission Expires: %1 > t G' K '✓'�� Notary Pubt e's i turn w.�4i1i Mtl{itNl P+Nt,k.. wtdDtlt1om0cc40M Notary's Printed Now "i OVB[f): psaartr a, 111116 - aura WA W0 N ft INS -100% "Exhibit A" ATTACHMENT FOR LEGAL DESCRIPTION LOT 13, BLOCK 174, GOLDEN GATE. UNIT 5, ACCORDING TO THE PLAT THEREOF, OF RECORD IN PLAT BOOK 5, PAGES 117 THROUGH 123, OF THE PUBLIC RECORDS OF COWER COUNTY, FLORIDA. Packet Page -1813- .."»d.wp 1/24/2012 Item 16.D.7. ih 2'. ODD -7W tL go U'3 04 cc 'Ca 90. 7R IS NJ— — W U) 3 0 C i7 C) CL tit (4 B AL-, 7 4y UJ U4 V7 LL. 120L 4. cc al ZS CL C, Ix U4 A z$ v. LU e7-,- T -A Packet Page -1814- 1/24/2012 Item 16.D.7. r Co ler Co-r�.t y Public Services Division r: Housing, Human & Veteran Services z November 14, 2011 To: Monica Seidl Talon Title Se4' es Via - Email: mstool @talontitle.biz i( From: Collier Countyl4ousing, Human and Veteran Services Department Priscilla Doria" Re: Loretta Hollis #0d Jennifer Hollis File# 95 -016 5201190' Aveo0e SW Naples, FL 342& Recorded on bV1995, OR Book 2065, Page 1667. *PAYMENT MUST BE PAID IN FULL* The payoff amount to'. #tisfy the above mentioned property owner's loan with Collier County is A t is is a zelr$ (0) interest loan with no payments. Payment due when property is sold, refinanced or loss of hi* nestead. Payoff will remain the same regardless of date. Payment should be d delivered to: 4 Collier County Government Housing, Human and Veteran Services i 3339 E. Tamiami Trail Bldg H, Suite 211 a r Naples, FL 34112 NI' ` 4 If you wish to have us cord the satisfaction, please include a check in the an7 payable to:u'Wl— f st be a separate check. . Y F r" Thank you, (' k Priscilla Doria, Lgdn Processor (239) 252 - 5312 -phcke (239) 252- 6518 -efax�" HaLtsin.g, 239 -252 -CARE (2273) - 239 Human .and Veteran„Services 3301 East Tamiami Trail - Heafih Building - Naples, FL 34112 (4663) • 239 - 252 -CAFt (2233) - 239 - 252 -RSVP (7787) • 239 - 252 -VETS (8387) - www.colliergov.neftmansemms 9 Packet Page -1815-