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Agenda 09/11/2012 Item #16D13f- l EXECUTIVE SUMMARY Recommendation to approve one (1) satisfaction of mortgage in the amount of $5,000 for payment received for the balance owed on a State Housing Initiatives Partnership (SHIP) loan. OBJECTIVE: Approve one (1) satisfaction of mortgage. CONSIDERATIONS: 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. On April 12, 2004, a mortgage was recorded to Collier County from applicant Tara Green in the amount of $5,000.00. The following table provides detail regarding the associated mortgage that has been repaid in full, as such, a satisfaction of mortgage is required. Applicant(s) Securitv Instrument Pavoff Received Public Record Tara Green $5 000.00 $5 000.00 OR Book: 3352, PG: 3701 Approval of this item will authorize the Chainnan to sign the aforementioned satisfaction of mortgage and the executed documents shall be recorded in the Public Records of Collier Count�7, Florida. FISCAL, IMPACT:. SHIP funds in the amount of $3.000.00 have been repaid and are considered program income. Such funds have been deposited into Fund 791. Project 33222 and may be reused for eligible SHIP program activities. LEGAL CONSIDERATIONS: This item has been reviewed by the County Attorney's Office, is legally sufficient, and requires majority vote for Board approval. -JBW GROWTH MANAGEMENT IMPACT: None. STAFF RECOMMENDATION: To approve and autho�ize the Chairman to sign one (1) satisfaction of mortgage for owner - occupied affordable housing unit that repayment in full has been provided to Collier County. PREPARED BY: Priscilla Doria, SHIP Grant Coordinator Housing, Human and Veteran Services Packet Page -2973- 112.1'_ Its COLLIER COUNT' Board of County Commissioners Item Number: 16.D.13. Item Summary: Recommendation to approve one (1) satisfaction of mortgage in the amount of $5,000 for payment received for the balance owed on a State Housing Initiatives Partnership (SHIP) loan. Meeting Date: 9/11/2012 Prepared By Name: AlonsoHailey Title: Operations Analyst, Public Service Division 8/15/2012 3:14:41 PM Submitted by Title: SHIP Loan Processor.Housin -. Human L Veteran Servi Name: DoriaPriscilla 8/15/2012 3:14:43 PM Approved B`- Name: AlonsoHailey Title: Operations Analyst, Public Service Division Date: 8/17/2012 2:11:46 PM Name: GrantKimberley Title: Interim Director, HHVS Date: 8/18/2012 4:13:36 PM Name: SonntagKristi Date: 8/23/2012 12:39:10 PM Name: WhiteJennifer Title: Assistant County Attorney,County Attorney Date: 8/23/2012 2:39:40 PM Name: CarnellSteve Packet Page -2974- Title: Director - Purchasing /General Services,Purchasing Date: 8/28/2012 5:14:22 PM Name: KlatzkowJeff Title: County Attorney Date: 8/29/2012 3:44:41 PM Name: StanleyTherese Title: Management/Budget Analyst, Senior,Office of Management & Budget Date: 8/31/2012 1:24:31 PM Name: OchsLeo Title: County Manager Date: 9/1/2012 2:42:07 PM Packet Page -2975- 9`r1,2C` 2 lterr 1P "4 Prepared icy: Barbetta Hutchinson Collier County Housing, human & Veteran Services 3339 E. Tamiami Trail Naples. FL 34112 SATISFACTION OF MORTGAGE 911 ' i'10" -` It e-,, 16.!-- , �' THIS SPACE FOR RECORDING KNOW ALL MEN BY THESE PRESENTS: That COLLIER COUNTY, whose post office address is 32:99 E TAMIAMI TRAIL, NAPLES, FLORIDA 34112, the owner(s) and holder(s) of a certain Mortgage executed by Tara Green to COLLIER COUNTY, bearing the date of April 2, 2004, recorded on April 30, 2004 in Official Records Book 3552, Page 3701, of the Public Records of Collier County, Florida, securing a principal sum of $5,000.00 and certain promises and obligations set forth in said Mortgage, upon the property situated in said State and County described as follows, to wit: Legal Description: Lot 83, Carson Lakes, Phase II, Collier County, Florida (3429 Carson Lakes Circle, lmmokalee, Florida 34]42). 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 , 2012. ATTEST: BOARD OF COUNTY COMMISSIONERS DWIGHT E, BROCK, Clerk COLLIER COUNTY, FLORIDA By: By: Deputy Cleric FRED Vt'. COYLE, CHAIRMAN as to form and ciency: J Packet Page -2976- J3Q6` -,4 _7! '2012 Item 10.D.1u G-"ORDE !'arICIK RRCDRD: c CKLIr COUM 7. V.,30 /20V z. 01:59A. DWIGO' :, DROCL, CLRR', 081E 500G.OS ORLi 5000.01 SECOND MORTGAGE RRC 111 15190 j DOC -,35 17.50 Will: LAWTIRS TITLI INSDRAMCR CORP PICT DP THIS SECOND MORTGAGE ('Security Instrument') is given on Maeefr JZ, 2004 The Second Mortgagor is: Tara Green, A Single Person ('Borrower'). This Security instrument is given to Collier County ('Lender'), which is organized and existing udder the laws of the United States of America, and whose address is 2800 Borth Rorsashoe Drive, Naples, Florida 34104 . Borrower owes Lender the sum of Five Thousand end No/ 100ths Dollars (U.S. S 5,000-00 ). This deal is evidenced by Borrower's Note dated the same date as this Security Instrument ( "Second Mortgage'), which provides for monthly payments, with the full debt, if not paid earlier, due and payable on sale of property, refinance, or loss of homestead as w*tion , This Security Instrument secures to Lender; (a) the repayment of the debt evidenced by the Note, with Interest, and all renewals, extensions and modifications; (b) the payment of all other sums, with interest advanced under paragraph 7 to protect the security of the Security Instrument; and (c) the performance of Borrower's covenants and agreements under this Security instrument and the Note. For this purpose, Borrower does hereby second mortgage, grant and convey to Lender the following described property located in Collier County. Florida. As more particularly described as Lot 83, Carson Lakes, Phase II, Collier County, Florida and which has the address of: ( "Property Address'): 3429 Carson Laken Circle, Intmokales, Florida 34142 TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, tights, appurtenances, rents, royalties, mineral, oil and gas rights and profits, water rights and stock and all fixtures now or hereafter a pan of the property. All replacements and additions shall also be covered by the Security Instrument. All of the foregoing is referred to in this Security Instrument as the -Property'. BORROWER COVENANTS that Borrower is lawfully seized of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except- formic c-umbrances of record. Borrower warrants and will defend generally bje the title to the Property against all claims and demands, sugf tpS9(I� enCUrit$�n es Qf record. THIS SECURITY INSTRUMENT combines uniforrl ov8iierrtglarnation and nonuniform covenants with limited variation by jurisdiction to constitute a uniform security instrumenl,GO Oiag' real property. f UNIFORM COVENANTS. Borrower and Lendeptiovenant and agree as Ioliows t. Payment of Principal and Interest 4repaymen►•and,Late Char es. Borrower shall promptly pay when due the principal of and interest on the debt evidenced by the Note. j; - -... _•''` i 2. Taxes, The Mortgagor will pay all iaxesi assessmenis..sewer rents aj water ra s prior to the accrual of any penalties or interest thereon. f = Jam. The Mortgagor shall pay or cause to be p Kt s the Sarre fpulie itwy berbm$ duel (A)(h) all taxes and governmental charges of any S m kind whatsoever which may at any time be la uli Asa se� br levied again or wit "'fir , ect to the Property, (2) all utility and other charges, t c including "service charges', incurred or impo�rlhe „pperitiog.L•rriairita>3spde, us Y, upkeep and improvement of the Property, and [ Ri {3} all assessments or other governmental cha tFfat may lawfully be paid i)rrnstallrrients o, ; a period of years, the Mortgagor shall be E:to Z obligated under the Mortgage to pay or cause td,be'peid only such instailments i� are fequiredid be paid during the term of the Mortgage, and t Cl) ~o shall, promptly after the payment of any of the foregoln�, forward to Mortgagoe- 44bence of sQch'payment. • • 3. Application of Payments. Unless ap W liGcable law provides otherwise, pdyments received by Lender shall be applied; first, to m interest due; and, to principal due; and last, to any lih,4 che(ges due under the Note.; / 4. Charges; Liens. Borrower shall pay all tkxoc `assessments charge i, fines slid impositions attributable to the Property which may y attain prionty over this Security Instrument, and leasehold payrt4eptp pr gf�nts of any. Borrower shall promptly furnish to Lender all 9 notices of amounts to be paid under this paragraph, and all rer`.eipU bvidbac,iJt.ihe'payments. Borrower shall promptly discharge any lien which has priority over this Security instrument unless Borrower; (a) agrees in writing to z 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 menforcement of the lien in, legal proceedings which in the Lender's opinion operate to prevent the enforcement of the lien; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument if Lender determines that any part of the Property is subject to a ken 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. S. Hazard or Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage” and any other hazards, including floods or flooding, for which Lender requires insurance. This insurance shalt be maintained in the amounts and for the periods that Lender requires, The insurance carrier providing the insurance shall be chosen by Borrower subject to Lenders approval which shall not be unreasonably withheld. If Borrower fails to maintain coverage described above, Lender may, at Lenders option, obtain coverage to protect Lender's rights in the Property in accordance with paragraph 7. At all times that the Note is outstanding, the Mortgagor shall maintain insurance with respect to the Premises against such risks and for such amounts as are customarily insured against and pay, as the same become due and payable, all premiums in respect thereto. including, but not limited to, all -risk insurance protecting the interests of the Mortgagor and Mortgagee against loss or damage to the Premises by fire, lightning, and other casualties customarily insured against (including bolter explosion, if appropriate), with a uniform standard extended coverage endorsement, including debris removal coverage. Such insurance at all times to be in an amount not less than the full replacement cost of the Premises, exclusive of footings and foundations. All insurance policies and renewals shall be acceptable to Lender and shall include a standard mortgage clause. Lender shall have the right to hold the policies and renewals. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. In the evert of loss, Borrower shall give prompt notice to the insurance earner and Lender. Lender may make proof of loss it not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, insurance proceeds shall be applied to restoration or repair of the Property damaged, it the restoration or repair is economically feasible and Lenders security is not lessened. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured by the Security Instrument, whether or not then due, with any excess paid to Borrower, It Borrower abandons the Property, or does not answer within 30 days a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may collect the insurance proceeds. Lender may use the proceeds to repair or restore the Property or to pay sums secured by this Security Instrument, whether or not then due. The 30-day period will begin when the notice is mailed. Unless Lender and Borrower otherwise agree in wntint), any application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in paragraph 1 or change the amount of the payments. If under paragraph 21 the Property is acquired by Lender, Borrower's right to any insurance policies and proceeds resulting from damage to the Property prior to the acquisition shall pass to Lender to the extent of the sums secured by this Security Instrument immediately prior to the acquisition. 6. Occupancy, Preservation, Maintenance and Protection of the Property; Borrower's Loan Application, Leaseholds. Borrower shaft occupy, establish, and use the Property as Borrower's principal residence within sixty days attar the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate, or commit waste on the Property. Borrower shall be in default if any forfeiture action or proceeding, whether civil or criminal, is begun that in Lenders good faith Packet Page -2977- Ihr 1 �r M luagment cou.c, result rn roneuure ci m:= Frooerw c otherwise matena , imna, trte iien created ov this Security instrument o; menders securrm interes Borrower may cure such default ono reinsiati as orovioac fn parapraor 1 E, oy causcna the action or proceeding to De dismisses with a ruling tnai, in Lencier'S good raitn determination, preciuoeS forfeiture of the Borrowers interest in the Property or other matena; Zof the lien created by this Security Instrument or Lender's security interest. Borrower shall also be in default f Borrower, during the loan application process, gave materially false or inaccurate information or statements to Lender (or failed to provide Lender with any material information) in connection with the loan evidenced by the Note, including, but not limited to, representations concerning Borrower's occupancy of the Property as a principal residence. It this Security Instrument is on a leasehold. Borrower shall comply with all the provision of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 7. Protection of Lender's Rights in the Property. If Borrower fails to perform the covenants and agreements contained in this Security Instrument, or there is a legal proceeding that may significantly affect Lenders rights in the Property (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture or to enforce laws or regulations), then Lender may do and pay for whatever is necessary to protect the value of the Property and Lenders rights in the Property. Lenders actions may include paying arty sums secured by a lion which has priority over this Security Instrument, appearing in court, paying reasonable attorneys' fees and entering on the Properly to make repairs. Although Lander may take action under this paragraph 7, Lender does not have to do so. Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Borrower secured by this Security Instrument. Unless Borrower and Lender agree to other terms of payment, these amounts shall beer Interest from the date of disbursement at the Note rate and shall be payable, with interest, upon notice from Lander to Borrower requesting payment. ti, Mortgage Insurance. If Lender required mortgage insurance as a condition of making the loan secured by this Security Instrument, Borrower shell pay the premiums required to maintain the mortgage insurance in effect. If, for any reason, the mortgage insurance coverage required by Lender lapses or ceases to be in effect, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the mortgage insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the mortgage insurance previously in effect, from an alternate mortgage insurer approved by Lender. If substantially equivalent mortgage insurance coverage is not available, Borrower shalt pay to Lender each month a star equal to one- twetfth of the yearly mortgage insurance premium being paid by Borrower when the insurance coverage lapsed or ceased to be in effect. Lender will accept, use and retain these payments as a loss reserve in lieu of mortgage insurance. Loss reserve payments may no longer be required, at the option of Lender, it mortgage Insurance coverage (in the amount and for the period that Lender requires) provided by an insurer approved by Lender again becomes available and is obtained. Borrower shall pay the premiums required to maintain mortgage insurance in effect. or to provide a foss reserve, until the requirement for mortgage insurance ends in accordance with any written agreement between Borrower and Lender or applicable law, 9. Inspectloti. Lender or Its agent may make reasonable entries upon and inspections of the Property. Lender shall give Borrower notice at the time of or prior to an inspection specifying reasonable cause for the inspection. 10. Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection with any condemnation or other taking of any part of the Property, or for conveyance in lieu of condemnation, are hereby assigned and shall be paid to Lender. In the event of a total faking of the Property, the proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with any excess paid to Borrower. In the event of a partial taking of the Property, in which the fair market value of the Property immediately before the taking is equal to or greater then the amount of the sums secured by this Security Instrument immediately before the taking, unless Borrower and Lender otherwise agree in writing, the sums secured byAbisSgcurity Instrument shall be reduced by the amount of the proceeds multiplied by the following fraction: (a) the total amount of the uwtl MM��rr}}eeddietely before the taking, divided by (b) the lair market value of the Property immediately before the taking. Any belar�oe at�aatd�e jidr rr the event of a partial taking of the Property in which the fair market value of the Property immediately before 't § rs less Ihao lhe)rf t the sums secured immediately for the taking, unless Borrower and Lender otherwise agree in writiri o�nless applicable law olhetmv p rides, the proceeds shall be applied to the sums secured by this Security Instrument whether or n 'he dims are then due. Unless Ls*r andfaorrower otherwise agree in writing, any application of proceeds to principal shall not exte d or rig pone the due.date ot-kme monthly pay(ents referred to in paragraphs 1 or change the amount of such payments. / -', ` 11. Borrower Not Released, Forbeeranc estmi�a�a war~ f lhetime for payment or modification o! amortization of the sums secured by this Seculity In op a e b Lb)rt{�r 1 y essor In interest of Borrower shall not operate to .�, release the liability of the original Borrower or l�orro�'er sue es orsin�tlier�G- 'Le�r' half not be required to commence proceedings against any successor in interest or refuse to eat( t( f y gt.It Ise mfg a gnf¢lition of the sums secured by this Security Instrument by reason of any demand made by fj9 0 r Bbrrod> rs st t orb ,t�iterest. Any forbearance by Lender in exercising any right or remedy shall not be a wa( :o! or preclude the exercise' I any right 0r'rgiftady. 12. Successors and Assigns Bound' brtit and Several Liability; lgner , ii¢ covenants and agreements o' this Securip Instrument shall bind and benefit the successors 44'ais�gns of Lender and Borrb*U)= ect.to the Provisions of paragraph 17. Borrowers covenantsViO a�tjr�e�ements shall be joint and a- 0! Any Borrower who co-signs this Security Instrument but does not execute the Note; (a) is co -s gnbmy�tls.$ecurfy It trument'iin(Y14mortgage, grant and convey that Borrowers interest in the Property under the terms of this Security Instrumiht�(b)'i��QQ rson3jl3(`gtliiVited to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower may agr8a fora ndAmdddY oroiiar or make any accommodations with regard to the terms of this Security Instrument or the Note without that Borrowers c6n3entr -- 13. Loan Charges. If the loan secured by this Security Instrument is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the loan exceed the pertained limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge under the Note. 14. Noticos. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by mailing it by first class mail unless applicable law required use of another method. The notice shall be directed to the Property Address or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given to Borrower or Lender when given as provided in this paragraph, 16. Governing Law; Severability. This Security Instrument shall be governed by federal law and the law of the jurisdiction In which the Property is located. In the event that any provision or clause of this Security Instrument or the Note conflicts with applicable law, such conflict shall not affect outer provisions of this Security Instrument or the Note which can be given effect without the conflicting provision, To this end the provisions of this Security Instrument and the Note are declared to be severable. 16. Borrowers Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument. 17. Transfer of the Property or s Beneficial interest in Borrower. If all or arty part of the Property or any interest in It is sold or transferred (or it a beneficial interest in Borrower Is sold or transferred and Borrower is not a natural person) without Landers prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by tender if exercise is prohibited by federal low as of the date of INS Security Instrument, It Lender exercised this option. Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is delivered or mailed within which Borrower must pay all sums secured by this Security Instrument. if Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without hither notice or demand on Borrower. 18. Borrower's Right to Reinstate. If Borrower meets certain conditions. Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earlier of : (a) 5 days (or such other period as applicable law may specify for reinstatement) before sale of the Property pursuant to any power of sale contained in this Security Instrument; or (b) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower: (a) pays Lander all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures and default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attorney's lees; and (d) takes such action as Lender may reasonably require to assure that the lien of this Security instrument, Lenders rights in the Property and Borrowers obligation to pay the sums secured by this Security Instrument shall continue unchanged. Upon reinstatement by Borrower, this Security Instrument and the obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under paragraph 17. 19. Sale of Note; Change of Loan Servioer. The Note or a partial interest In the Note (together with this Security Instrument) may be sold one or more times without prior notice to Borrower. A sale may result in a change in the entity (known as the 'Loan Servicer') that collects monthly payments due under the Note and this Security Instrument, There also may be one or more changes of the Loan Servicar unrelated to a sale of the Note. If there is a change of the Loan Senricer, Borrower will be given written notice of the change in accordance with Packet Page -2978- tt. 9,'1112012 Item 16.0 OR, 35. _ -- varapraon 14 and apmcable iav The notice wili state the name and address of the new. moan Servicer and the adores-, to which payment: should be maac T ne notice will also contain any Other intomtatlon required by appliCable 12V. 2D. Hazardous Substances, borrower shall not cause or permit the presence, use, disposai, storage, or release of any Hazardous Substances on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property that is in violation of any Environmental Law. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property. Borrower shall promptly give Lender written notice for any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge. It Borrower teams, at is notified by any governmental or regulatory authority, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. As used in this paragraph 20, "Hazardous Substances' are those substances defined as toxic or hazardous substances by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials. As used in this paragraph 20, "Environmental Law" means federal laws and laws of the jurisdiction where the Property Is located that relate to health, safety or environmental protection. 21. Acwhirration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrowers breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under paragraph 17 unless applicable law provides otherwise). The notice shall specify: (a) the default; (b) the action required to cure the default; (c) a date, not less than 30 days from the date the notice Is given to Borrower, by which the default must be cured; and (d) that failure to cure the default on or before the date specified in the notice may result in acceleration of the sums secured by this Security Instruxrient, foreclosure by judicial proceeding and sale of the Property. The notice shall further inform Borrower of the fight to reinstate after acceleration and the right to assert in the foreclosure proceeding the non-existence of a default or any other defense of Borrower to acceleration and foreclosure. If the default is not cured on or before the date specified in the notice, Lender, at its option, may require immediate payment in full of all sums secured by this Security Instrument without further demand and may foreclose this Security Instrument by judicial proceeding. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this paragraph 21, including, but not limited to, reasonable attorney's fees and costs of the title evidence, 22, As! so. Upon payment of all sums secured by this Security Instrument, Lender shall release this Security Instrument, without charge, to Borrower. Borrower shall pay any recordation costs. 23. Attorneys' Fees. As used in this Security Instrument and the Note, 'attorneys' fees' shall include any atomeys' fees awarded by an appellate court. 24. Riders to this Securtty instrument. If one or more riders are executed by Borrower and recorded together with this Security instrument, the covenants and agreements of each such rider shall be Incorporated into and shall amend and supplement the covenants and agreements of this Security Instrument as if the rider(s) were a pert of this Security instrument. (Check Applicable Box) ❑ Adjustable Rate Rider ❑ Rate Improvement Rider ❑ Condominium Rider ❑ Graduated Payment Rider ❑ 1 -4 Family Rider �'— `\ ❑ Second Home Rider ❑ Balloon bider ❑Biweekly Payr ht ((±i rte ' ` �_ FflAnh90 Unit Development Rider ❑ Olher(s) (specify ; SIGNING BELOW, Borrower accepts and agree to tip te'tpu�nd in his 6ecurity )nstrumenl and in any rider(s) executed by Borrower and recorded with it. Signed, seal and delivered in the presence f. % 'ti / j `/ •. �� = yf c'I Witness #1 C Ol v "-I -,, - :} ^.1 _, Ir/ te\ ( J • 11 i _...._...._. Witnessp2: ' Signature, 7�4 Co- Borrower . ' i Signature' ;-� - .ApCres:r..3t'Z9 Carson Lakes Circle Immokales, Florida 34142 STAT 1DA COUNTY I I hereby certify that on this ray, before me, an officer duly authorized in the state aforesaid and in the county aforesaid to take acknowledgements, personally appeared Tara Green to me known to be the person(s) described in and who executed the foregoing instrument and acknowledged before me that (He/ she/ they) executed the same for Ih s therein a ressed. WITNESS my hand and official seat in the County and 4Notal day of .2 0 My Commission Expires: ( wc= �l qn tllr� � g yysr M Notary's Printed Name eslrrllrre,n File #: 04 -088 Packet Page -2979- item l.e. A �•. G i u V-r .r NORTHERN NAPLESANK OF FLORIDA, N.P. Habitat for Humanity of Collier County, Inc. 63- 9651660 6/20/2012 11145 Tamiami Trail E. Naples, FL 34113 ' "'"5,000.00 PAY Yahoo TH DOLL E — Collier Co. Board of County Commissioners $ Five Thousand and 001100 xxxxx, k+ r* x* ir+ ri: x, tw+* xrw*, rwx*++ xwwwxt* xx, rx+:w*+cx * *,r *rrr,tx,rwx * * +xxxw x* e+, r+ti rirx ***,*+�xx.rwxkd.xxxr *w +xwxxxx Do IGNOURES FOR AMOUNT OVER $7500 00 Collier Co. Board of County Commissioners' Finance Department _ - - -- —- Collier Co. courthouse Complex Naples, FL 34112 -- gUTHORIZED S(GNATURE(S) MEMO 3429 Carson Lakes Circle - HABITAT FOR HUMANITY OF COLLIEF COUNTY, INC. Collier Co. Board of County Commissioners 1300.00 • LEASED & REPO HOUSES:13 Northeim Trust ACCT 3429 Carson Lakes Circle Packet Page -2980- 6/20/2012 I JUN 2 0 2012 HOUSING & HUMAN SERVICES FISCAL SECTION 21665 i 5,000.00% 5,000.