Preview
Filed
Te ether 30 A10:16
Shem Adelstain
District Clerk
Denton District
cause No: 22f-6/6 96 57 3
IN THE DISTRICT COURT OF
DENTON COUNTY, TEXAS
CITIBANK, = N.As
TRUSTEE TO US
ASSOCIATION AS
THE POOLING A
AGREEMENT DATED \AS--OF
2007 MASTR ADJUSTABLE
MORTGAGES TRUST 200
MORTGAGE PASS-THR
CERTIFICATES, SERIES 2007-
("Applicant")
OU UP OD UP) LP) DL EP LD LP UD LP Lf OD Os
JUDICIAL DISTRICT
HOME EQUITY FORE
SYNOPSIS: Applicant s
foreclosure of a home equity lie:
Const. art. XVI §50a(6).
Respondent is secured by the real property and improvements ("Property") withthe mailing
address of 7024 AUTUMNWOOD TRAIL, PLANO, TX 75024 and legal description:
5570631542144, Code Na: 24076
MWZM No: 11-0005 14-670{BLOCK A, OF KINGS RIDGE ADDITION, PHASE TWO, AN ADDITION TO
THE LITY-OF PLANO, DENTON COUNTY, TEXAS, ACCORDING TO THE MAP OR
PYIEREOF RECORDED IN CABINET V, SLIDES 292-294, PLAT RECORDS,
e official real property records of DENTON County, Texas at
mall or part of the Property is located. In the alternative, a legible
4.
default under the security instrument are:
(a) According to Applicant's *e
05/01/2011 payment and, as of 07/23
at least $335,148.90 therefore,
(b) As a result of the failure to make payy
breach of Respondent's obligations unde
agreement is due for the
amount owed Applicant is
6. In accordance with Tex. R. Civ. P. 736(1)(G), App
Tex. Const. art. XVI §50a(6)(D) to sell the Property under the sg
Code § 51.002.
7, In accordance with Tex. R. Civ. P. 736(1)(G), a combination
knowledge and sets forth such facts as would be admissible in evidence.
5570631542144, Code No: 24076
MWZM No: 15-060514-670anf appoints WES WEBB, L. KELLER MACKIE, MICHAEL W. ZIENTZ, OR
M{ENDOREF or successor, as the substitute trustee to conduct the public auction
évided by Tex. R. 736, the security instrument or Tex. Prop. Code § 51.002.
Respectfully submitted,
MACKIE WOLF ZIENTZ & MANN, P. C.
L. Keller Mackie
State Bar No. 24013077
Emily Stroope
State Bar No. 24070692
John M. Lynch
State Bar No. 24063968
a Center I, Suite 660
4480 N, Dallas Parkway
TOR Kae APPLICANT
A
Cys
5570631542144, Code No: 24076
MWZM No: 11-000514-670CAUSE NO:
‘e: Order for Foreclosure IN THE DISTRICT COURT OF
Concerning
DENTON COUNTY, TEXAS
CITIBANK, N.Ay
TRUSTEE TO US
ASSOCIATION AS
THE POOLING A
AGREEMENT DATED
2007 MASTR ADJUSTAB
MORTGAGES TRUST
MORTGAGE PASS-TH
DR car Ca Dan KEOD UO LN LOD CLO LP OD LP UP LP UP UP UI ht COP
CERTIFICATES, SERIES 2007- O
("Applicant") JUDICIAL DISTRICT
STATE OF FLORIDA §
§
COUNTY OF PALM BEACH 8
Before me, the undersigned notary, on is day py ally appeared
Ryan Dierdortt ("Affiant"), a person whose identi own by me. After I
administered an oath to Affiant, Affiant testified:
Ryan Dierdort
of Ocwen Loan Servicing, LLC ("Ocwe
"My name is
Contract Management Coordinator
execute this verification on behalf of Ocwen, who is responsible for servi
mortgage account as attorney-in-fact for Applicant."
“L have read the Application and I have personal knowledge of all the facts set forth
$57063 1542144, Code No: 24076
MWZM No: 11-000514-670therein, apd all of the facts are true and correct. My personal knowledge is based on my review of
¢ activity and transactions reflected in such records,
regularly conducted by Ocwen. It is
Records."
Ryan Dierdorff
Title:
STATE OF FLORIDA §
$
COUNTY OF PALM BEACH §
SWORN TO and SUBSCRIBED before me, the unders!
personally appeared Ryan Dierdorft » known to me persona
name is subscribed to the foregoing instrument.
DENISE V LUNDQUIST
MY COMMISSION # BE090005
EXPIRES May 03, 2015
3, FioridaNotary Service cont
5$70631542144, Code No: 24076
MWZM No: 11-000514-670CAUSE NO:
Infe: Order for Foreclosure IN THE DISTRICT COURT OF
Concerning
and DENTON COUNTY, TEXAS
CITIBANK, N.&s;
TRUSTEE TO US
ASSOCIATION AS
THE POOLING A
AGREEMENT DATED \
2007 MASTR ADJUSTAB
MORTGAGES TRUST 200
MORTGAGE PASS-TH
CERTIFICATES, SERIES 2007-!
("Applicant")
Ur KEY ED LO LD LO OD UO UR UD LP LD Ls Ld LP NP LP
C JUDICIAL DISTRICT
STATE OF FLORIDA §
§
COUNTY OF PALM BEACH §
to Affiant,
crime of moral turpitude. 1 understand this affidavit has been prepare
with Tex. R. Civ. P. 736(1)(G) and Tex. R. Evid. 902(10)."
Contract Management Coordinator
"l am employed as a of Ocwen Loan
5570631542144, Code No: 24076
MWZM No: 11-000514-670e& LLC ("Ocwen") and authorized to make this Affidavit on behalf of
wen who is responsible for servicing this home equity loan agreement, as that
Tex. Bus. & Com. Code § 26.02 ("Loan Agreement”), as
facts contained herein and they are true and correct. My personal
knowledge is base y review of the Servicing Records described below. In
Records"). \€ Se g\Records typically include electronic data
compilations and i
"Based on my training e processes by which they
are created and maintained, Ocwen were made at or near the
time by, or from information ¢ ledge of the activity
and transactions reflected in such record e ordinary course of
the business activity regularly condyucié t is the regular practice of
Ocwen's mortgage servicing business to make and ateits Servicing Records."
the Application. According to the underwriting
procedures of Ocwen or its predecessor in interest, and_b
obligated for the debt. The Loan Agreement debt is due for the 05/01/2011
payment. As of 07/23/2011 each Respondent obligated for the Loan Agreement
$57063 1542144, Code No: 24076
MW2M No; 11-000514-670foreclosure process against Respondent's homestead in
iv. P. 736. No personal liability against Respondent for
Gotdinator Ryan Dierdorff
STATE OF FLORIDA
COUNTY OF PALM BEACH
SWORN TO and SUBSCRIBED before me, they iblic, on this day
personally appeared Ryan Diardotit. 3 lly to be the person
whose name is subscribed to the foregoing instrument.
Given under my hand and seal of this offige this 3 day of
DENISE V LUNDQUIST
MY COMMISSION # B£090095
BR EXPIRES May 03, 2016
£407] 298-0153 FloddaNoteryServica.com,
5570631542144, Code No: 24076
MWZM No: 11-000514-670Danton County
Cynthia Mitchell
County Clerk
lil Denton, Tx 76202
instrument Number: 2007-46394
AS
Recorded On; Deed of Trust
Partlest KAMINSKI BI . Billable Pages: 21
Number of Pages: 21
Comment:
ZO™ Log listed above’ are for Clerks reference only )
‘** Ekarhined and Gharged as Follows:
Deed of Triet 6.00
Or
LSS
Zo
ee
70 2007 OCDxG284
Total Recording: 26,
waren? DO NOT REMOVE THIS PAGE IS PART DE THE INSTRUMENT "*trrrrer*
Any provision herein Which restricts the Sele, Rental o use of the described Ri
because of color or race Is lnvabd and unenforceable und! ey
File Information: Racord.and Retum
Document Number, 2007-46391
Receipt Number, 378140 STEWART TITLE
Recorded Date/Time: April 19,2007 03:01:44P WILL CALL
, DENTON TX 76202
User / Station; K Lambert - Cash Station 3
THE STATE OF TEXAS }
“GOUNTY OF CENTON }
Thereby cortty that thie instrament wae FILED In (he File Number gaquacice ony the daestine
printed Karon, and wat duly RECORDS In tne Ofmefat Renerds oF Getto County, Tees,
Cita,
Gounty Clerk
Denton County, Texas:yap sin BFR ralet
Lvhacws This Late For Recording Data] —
“he followin) : Shy instrument that transfers-aii. interest
ARTICLE XVEOF THE STITUTION:
Tf you are d natural persoa, you may remove or strike-any or'all of
In real property before it-is
eeqrda:: Your Social Security Number: or: Your Driver’s License
AN-DRFENSCON OF CREDIT’ AS DEFINED BY SECTION S0{A}(0),
TEXAS HOME EQUITY SECURITY INSTRUMENT
: Tien)” Stine nanverouseoisnzio
~ DEFINITIONS
Words teed in multiple yections‘6f this document are:d
20 and 21, Certain rules regardlag the usage of words.ugp provided
(AY “Security Inéteument" teans this docieneat whith
(B) "Borrower" ‘ig BRUCE: KAMINSKY and KIRSTEN Ka
‘under this Security Instrament, . : .
{C}. "Lender" is: UBS AG TAMPA BRANCH: Lender 3 a CORPORA
existing: undér the laws of Switzerland, acting through its'U.8. Hransti
address: is 2202 NuWEST SHORE BOULEVARD, SUITE 200, TAMP.
who is entitled to receive payments under the Note. Lender. is.the beneficiary yt
WD): "Trustee" is DON W: LEDBETTER, PLLC. Trustee's address is-17330:DALLA:
75248, : : me " cas 15°"
(Ey "MERS® is Mortgage “Blecironic: ‘Registration “Systems, Ing: MERS
nomiiney far. Lender and Lender's successors and-tssigns, MERS tg che mc
argunized and existing ‘under the Jaws Of Delaware, and has an ‘address
48501-2026, tel’ (888) 679-MERS. : .
(WH) “Note! -mmein6” the “promissory note. signed by Borrower and:dued APRIL4, 290
Lender: THREE HUNDRED: FIETY-SEVEN. THOUSAND ‘TWO HUNDRED At
plug interest. Borrower has ipromiged to:-pay_ this ‘debt: in re! plar Periodic: Paymenls
MAY 1, 2037, arr : :
(G). "Property" means the property: that in devetibed below under the-Heading “Transfer of Ri
(H) "Extension’ of Credit" inteaus the. debt evidendid: by the’Note, as defined by Section
Cofétinution and:all the docaments executed int eGniiection with.the debt.” . .
ance Borrower's: acquisition of the:Property.
-Gefined in Seotions'3, 10,12, 17, 19,
in Section 15.
ges Si ‘all Ridets:to ‘his dostiment;,
DVAND WIFE. Borrower {a the grantor
ASSOCLATION which ia organized anid
ed under V8. Federal Law. Lender's
AY. #115 DALLAS, TEXAS.
oh peiug sally avn
nsirument: -MERS iz
Box 2026, Flint, ML
Borrower. Owes.
5357,200.00)
‘TERASHOOE DOUITY SECURITY INSTRUMENT (Frnt Livy) Fannle Mat/ttddle Mise UNEFORM INSTRUMENT
Rove 3044:1 1701 (rev, 16403).
fpage 113 panes)means 1 rieétg tw this, Seoutity lasiriment that are executed by Borrower. The following riders aré to be
executed-by Rorrewer fe ox a3 appileable}: . .
Texas Hotae Equity Condominium Rider M Adjustable Rave Rider
° DW Texas Hope Equity Planned Unit Development Rider (Other [Specify]
cdble Law" -sngiins’ gH controlling applicable federal, state “aiid local states, régulations, ordinances: and
on
admnitsiistrytive: rutes:and ordery(thapvave-the effect of law) as well as all applicable final, non-appealable judicial opinions,
(K) "Com tion Dries, Fees, and: Assessments! nieans all-duds, fees, assessments and other chatges thet are
imposed on 9 Property. bya condominium, asscciation, homcowners aasociation or slinilar otganization,
QL). "Blectror Funds“‘Transfer any, traasfer of funds, other-tha-4 transaction originated by check, draft, or
similar paper instrument,: which through an éléctronic.tériminal, telephonic instrument, computer, cr magnetic
tape. so #3.t0 order, ‘instruct, of authOrind a fingo ‘al institution to debit of: credit ari docount, Such term includes. but is not
Jimltéd to, - poltit-of-sale-transiete, automated | teller machine transactions, transfers Initlaed by telephone, wire transfers,
(M):"Excrow tems" means. thos items that pre described in Section 3... fons : : .
_ (S)""Miscellaneous Procétds" meats” sf ‘tompensatioa,. settlement, award ofddmages, or proceeds paid by any third
party (other than insurance, proceeds pa op the coverages described int Section 5):for: (i) damage to, of destriiction of,
the Property; (ii) coudémmiation ys ether tn sitet aly part of the Property; (ili) conveyance’ in liew of condemnation;
or-(iv) mistépresentations of, or omissioy i ahd/or condition of the Property. : .
(O}; "Periodic: Payment’ means the 1 J hmbunt due for (i) principal and interest under the ‘Note, plus Gi)
any amounts tinder Section 3 of this Security Instrument, . : : :
(P)"RESPA" meang the Real Estare\ Seqleiuent: &
, regulation, Regulation: % (4 -C,F.R, Re o0F;a
succesor lépislation. of tegulation that govertis: ths 5
refers to al} requiraments ‘and restrictions: that are imp
Extension of Credit does not qualify-ay a “federally. rep
(0). "Syccesaor .in:' Interest of Borrower" moana’
has-assumed Borrower's obligations under the Note ay
§ 2601 -et Seq.) ‘and ‘its implementing
eg rom: time to tmé,-or aay addidonal or
used in this Security Instrument, “"RESPA"
feiictally related mortgageloan" even If the
Ae :
TRANSEER OF RIGHTS. IN THE PROPERTY -
The beneficiary: of this Security Instriiiaent is MERS: (solely as-cog
andthe successors -and aséigns of MERS. This Security Instrugié
GF Credit; and all “extensions and. miédifications: of the Note\4
agreements ‘under this, Security. Lostrument and the ‘Note. For this, purify
‘Trustee, in trust, with power of sale; the following ‘described Property loce
__-DENTON : .
‘PName of Recording Jurisdigtony
SEE EXHIBIT "A TATTACHED HERETO AND MADE A-PART HER
boro Ii Bee
TEXAS HOME BOCITY SECURITY INSTRUMENT ‘(Pirat Lta):Pronls Mice/Preddls Mac UNIFORM INSTRUMENT. “Storms 0641 140k tre, 10/03)
. : (page 3 of 15 pageswiki eurvently Aes the Gdciews of 7024 AUTUMNWOOD TRATL
on [Street] 2
PLANO. 5024 ‘(Property Address”):
[Zip Code} ; :
TOGETHER. WITH ali ovement now or hereafter erected on the Property, -and’all eageitients, appurtenances,
and. fixtures\zio’ the Property, All replatements.and: additious ahull algo be covered by [his Security
Instrument, AT roperty"; provided Yowever, tat the
Property. is “fimies (H);:Articls XVI pf-the ‘Texas Constintion,
Borrower understands: and tothe interests granted! by Borrower tn. this ‘Security
Instrument, “dur; if, recessed dw or citgromt, MBRS (as nominee for Lendet end Lender's aliccassors ad
ose intivests; nctuding, ‘but slot limited 10, the right:t0-foreclose.and sell
assigns) haa’ the right sei d 191, ese
the ‘Property; -and tp take i ifed of. Lender including; but-stet limited saleasifig: and canceling :this Security.
Tosctrument. “ . : : :
BORROWER COVENANTS
and convey the: Property and hat at
arid will defend generally ‘the tle
svifuily selsed of the ebtate hereby conveyed and has:the right 10. grant
snichigbered) except for encumbrances of record: Borrower warrants
Siaims and demands, subject ta: any'dicumbrances of record. ©
‘Borrower and Lender covenant and|agte
1, Payment’ of Principal, Inters
of, .and'interest on, the debt evidenced
“for Escrow: Items. parsuint to Section 3. a
currency... However, if any check -or other instrume!
« Boridwwer shall pay when due the principal
ner the Note. Borrower hull also’ pay. funds
ity Tnsteument sliall. be:-made-in U.S,
yinent under the Note ot-this Security
ingtrument is -téetumed. to- Lender unpaid, Lander may got -payinents Ue under the Note and
this: Securlly Inatrument be nade in. otix'or more of B re ders (a) cash; (by mioney-order;
“(ey certified check? oaak check, treasurer's check or Cashier’ 3 ck is drawn upon-anTnsitution
whose deposits aré tnsured by @ federal agency, fastrumerit 5 Funds ‘Transfer: vdere
_. Payments are deemed -xecelved. by Lender “when »
‘location: as. thay, ‘be designated by Lender ia-accorditnce é
payment. or’ partial payment, ifthe payment oF partiak paynicnts
‘Lender may accept auy payment or partial payment tasufficient 19-4
any: rights. heréumder or, prejudice ‘to ie rights to.refuse-such pl
obligited to. apply. such: .payinents at, tho time suck payments are
scheduled: due date, then Lender. need: not pay interest on unappl
Bortower: sriakes” payment to britig the Extension of, Credit Current. .
of time, Lender shell either apply such. fundy ‘or.Fewin thent ta. Borrower. appli
wo the outstanding. principal balitice tinder the Note intmediately. prior to foreclosurk
might have sniow-of-in the futyre against. Lender shal} relieve. Borrower from making
Security Instrument o perforifag the covenabes and agreements secured. by. this Secutt
2, Application. of Payments. or Proveedi:. Except as otherwise describeddnd
‘ad -appiicd by Lender shall be ‘applicd:-in the following order of priorigy:, (a) intetest-due:
under the Note; (c) 'amhoukis duc under Section 3. Suth payments shall-be applied to each
whlch it became'due, Any-temaining arnoumts shall'be applied first 10:late Charges, secong
this Secuflty Insttument, and.ther to teduce the principal balance of the Naty...
peicfent to-bring dié Extension of Credit current.
OF Credit cuirent, without walyer-of
‘the fururé, bur Lender is not. ”
HE, Lender recelver'a payment from Borrowet fora delinquent Petiodic Rayment
pay any Jake: chargo due, the paymont.smay' be applied to the delinglienr payment and: thie |
Periodic Payment is outstanding, Lender may apply any.paymieat received from Borrower to the ag
“oUpoa: payment fafullof all sume secured by ‘this Security. Instrument,’ Lender shall, pfoniptly ref
Funds held“by Lender. : n
4. Charges}. Liens, “Borrower shall. pay. sll” taxes, assesemients, charges, finer, dl imp
Property Which ‘can anain priority Over this Sevurity Instrument, .leasehokt payments. org
any, ‘ind Commuuity- Associstion ‘Dues; Fees, and Assessments, \faay: To the exient, that
Borrower shall pay them in the stantier provided in Section 3..: . -
Texas HOME EQUITY SECURITY INSTRUMENT CPt Lien) -Panate Mac/Freddie Mac pymromad pasrpusaen yg 1 Porm 3044.1 ui ter 008
a ee ee seaeaien Soe Tr page yegenBorrower shall, promp
i discharge any lied which ‘has: priority: over this Seoutity. Iuetrument yalegs: Bortower::(a)
tof the obligation secured by the lien Wa inanber acceptable to’ Lender, but only 99 long as:
i cOnteste the Tien in:good falth by; or defends agalnae enforcement of te-tlen
Ti, legal ‘prOcegdings which iii Lender's opinion operate to ptévent the enforcement of the lien while thove proceedings are
pending,’ /but ‘only witil auch progecdidgs -2cé concluded: or (G} secures from. the holder ‘oF ‘the ‘lie an agreetnent
the-ffen to this Security Fasrhumieht. If Lender determines that any part of the'Property
ig spbjeet\ to Priority over this Security Instrument, Lender may give Botrower anotite identifying.
ale On which that notice is given, Borrower ehall satiefy the tien of take ong or mire of
Lender--raay ‘onestithe charge tor a teaf-cstate jax Verification atid/or Feporiing service used
ty Lender in conhestion § ORGredit; we : wb we
§.. Property: Inga . fall keep. the improvements-ndWw existing or hereafter evecied on the Property
iphint the term “extended coverage," and any otfier hazards Jinclivditig but
not Hmited ta,. eartinidkes and floode(fop/ whieh ‘Lender requires insuranté: THs insurance shall be wnaintairied inthe
dindunis’ Gicluding deductible: levels} 3 or: the -periods. that’. Lender requires: Whal Lender requites: pursuant tothe
sa the tern :
resulting froin an objection by Borrower.” :
If Borrower fails to. maintain any-of the coverages:de
Option’ and ‘Borrower's. expéuse,. “Lenderis" under’ ligation t
“Therefore, such coverage:shall cover Leader, but-inight or might,
or the cantents.of @ie Property, agathst any risk, hazard or lia
Breviously in effect. Borrower dokndsdledged that the cogt of the
the'-cost of Arist : hat: Borrower..could :have--obtamed” Aa
it Of Borrower secured by this Security Instrum
become additional: de
froft. the date of distnitediment and shell be-payable; with §
payiient, . .
All ingurgiice policies required by Lender and fenewals-df such policits 3
such ‘policiés, shall hiclude: a-stuhdatd mortgage clause, and shalt nasa
payee. Lender shall have the right to-hold the: policies: and -rés
promptly give te ‘Lender al receipts ‘of. paid. premiums and renewal nolieg
coverage, not otherwise’ required. by Lender, for damige 10, or destruction Of, Wie F
standard tortgage clause and shall natue Lérider as- mortgagee and/or'as wn addidot
Jn: the-event-of Toss, Borrower shall ‘prorope. notice 0 the. insugance carrier @nd 14
los if not made promptly. by Borrower: Utleas Lender arid Batrower otherwise ag “its
whether ‘of not ‘thé nnderlying insuradce wos required by Lender, shall be applied to rest
if the restoration or Yepalr 1s économicalty Seueible and Lender's: security 1a” not 14
restoration period, Lender-shall shave the -right to bold suel insurance proceeds: tanith
insgect such “Property to ensure the work has béen cainpleted to ‘Lender's satisfaction, pr
be undétaken promptly: Lender thay-disburse proceeds for the repairs and restoration.in 4 sing!
grower tia
yarded by Lenider-undder this Section 3 shall
3 santa: ghall bear interest atthe Note rate
f to Borrower requesting.
uf Extension of Credit. The insurance carriet ‘providiig the insurance
ere righ approve Borrower's cholte, which right shall not be exercised
manection With this Bxteasion of Credit, eltuer: (a) x pne-time
jag services; or: (b)' a-cnetiné charge for flood save
: cing réntappings o7 aimilar changes. cocw. which:
sh he Fesponsiblé for the payment of any fees.
ehh the review of arly fledd Zone determinacon.
ya Sn: form of insurance
| policy. sballliclude »
‘TRRAS HOME EQUITY SECURITY INSTRUMIMT (Fist Lien} Faanie Mae/Preidic Mas UNIFORM INSTRUMENT = Fores $044.1 WOE (rev. 10008)
pane 5.37 15 pages}work is completed. Urleys an agtecniont jg made in weitingor Applicable Law tequires- interest
ance procéeds, “Landét ‘shall not be reqiited to pay! Borrower any interest or: earnings on ich
ablic adpusters, or other thind parties, retained by Borrower xhall not be paid out ofthe insurance
proceeds es afl be ‘the dolé Obligation of Borrower: TW the restoration. oF, tepait is not economically: feasible.or Lender's:
security Cd
aif be: lessened, the. Instance proceeds. shall be applied’ to the sums secured by this Security: Instruitient,
thé excess, if any, paid 1 Bocrower, Such Insurance proceeds shall bé-appiied'in the order
whether. 4¢--fot then due, with S
If Botowsr a & the Property, “Lender may file; negotiate and settle any-tvallable insurance claim:ard related.
matters, If é stor respond. widtin 30 days to-a-notice from. Letder that the igsuranice cartigrtiay-offered to
séttle. a..claim;: tht der hay. and settle the: claittt,, Thie 30-day period Will begin when the notice ig giveni-In
either event, or if Lender: acquit : under Section 21 or otherwise, Borrower -bereby assigns to Len
Bottower's rights 10" amy §\ in ‘an amount sotto exceed the amounts tinpeid under the: Noté or this
nd ya B “aight (other tian the 'fighi fo ay refund of wiiédimed premiunis paid
by: Borrower) wader all insurance polisits-cover dig the Property, insofar as such righthate applicable to the coverage of
the: Property, Lender. may--use ‘the Afts -procéeds either to yepair of restore the Propertydr-to:pay: amounts unpaid:
a Property ag Borrower's Texas homestead ‘and shall, continue to
st die year after the date of:this Security Instrument, unless
unreasonably. svithheld or unless extenuating circumstances
‘occupy the Property as Borrower's
Lender othefwise agrees in writing, whith
exist which are:beyond Borrower's contol): . . oo . .
2. Preservation, Maintenance: 2 ectignr Of she Property peciiohs, ‘Borrower shall not ‘destroy, damage
‘ot -impait the Property. allow the Propaatyt iss paste ob the Property. Whether or not Borfower is:
residing 4a the: Property; Borrower". sliell mutrta in grder to prevent the Property from detériorating or
dectéasinig’ in’ Value. due. tits condition... -Unles: Spars sclicin-S:that repair or restotation:is not
economically fearible, Borrower sltall prompay rep: P furthér deterioration or damage, 1?
insurance ‘or condemnation procesds are paid ineomqestion with
t ‘of, the: Property, Borrower shall
be. responsible ‘for! repairing Or restoring the Properry only if jugods for such purposes. Lender. may
‘disburse proceeds for’ the repairs “and: restoration in-a-single pay £ inva scbies of progress payinents as tho work is”
‘completed. If -the inaurence or condemnation proceeds ard por’sutficient to Te tore the Property, Borrower isnot
relieved of Borrower’s obligation for ihe completion of such repair orrés oe ~ :
Lender of Ms “agent. may: make ‘feaigaible entries upon and insp BSA iyg If ix bas teagonable.cause,
Lander may inspect ‘the interior of provementa-on the t é Borrower notice at the time of oF
“prior 10 such an interio# inspection specifying such reasonable ase. |:
8. Borrower's Loan Application, Borrower's acdons: shal¥ consti
EVI of the Texas “Constioutlon and Borrower shalt ‘bé In default and:
by ‘the’ Note ‘and ‘this Socurity.; Instrument if, ‘during ; the-Loan -applical
acting “at, the ‘direction of Borrower ‘or. with Botte" knowledge: “61
inaccurate Information or statements'to Lender (or'fell
the Loan or. any-othier action or inaction that isd
limited’ t0,, representations. coucerning Borrower's occupancy: of the:
and warranties comalned in the Texas-Haine Equity: Affidavit and agn
fair market value of the property a8. described fit Sectioa 27... :
- 9: Protection: of Lender's: Tateres! inthe Property ‘and Rights Under this
fails to perform the covenants and agréenienty’ contained in thls Security Instrument, {b,
Tight significantly affect Lendes’s interest: in the Property ‘audfor sights ‘under: this: S y
‘phocesding in. bankrupiey,’ probate, for condemnation or “forfeimre, for enforcement of a lien bic
it, and 2
orm S444 1704 (rer, 10103). -
Raia Ss OF LS pagenyover this Security tnstrimeut or 00 enforce laws or regulations), oF (¢) Borrower has ebandoned the Property, then Lender
€ wihatéver ie Tesponable-or appropriate to protect Lender's interest in the Property and rights vider this
Security “Testpuftenty “including protecting: and/or asseysing. the value of the Property, and securing and/or-repairing the
f fs action’ can: include, but are not jimited-to: (e) paying any sums secured by a Tien whicli-has priority
ing. in'coury-and (c) paying reasonable: attorneys” fees. to protect ita totevest inthe
fy: Instrumiént, including ite secured position ia a-bankruptey proceeding. Securing:
ud to, entering:the Property to make repairé, change'locks, replace or boatd-up doors
anid -windolys, in: “wate ff, pipes, elitinate “building or -otier code: violations or dangerous: Conditions, and have
ough Leider may take action :under. this-Seotion 9, Lender. does not have to, dé a6'and'is not
undet: aay. “duty “ot—o fon too ad. It 48 ngrecd. that. Lender. incurs ‘no Tabiliry for riot lakdng any or.all actions
authorized under this Section:9 vege Wee granted by Borrower to Lender or Tuite that would vielate provisions of
the Texas. Goumtitition: gp Dales OF -Crodit as: defined by"Secti6n 50(e}{6), Article XVL of te Texas
Any amounts disbifsed by
Sonurity Enstrunrent:: These amounts,
with such interest, upon nodce fyoth. Ls
“Uf this Security Instrument Js
‘acgiires fee. title -to “the: Property, th
writing. : :
10... Assignment: of “Miscellanestis
shallibe paidto Lender:
‘Ifthe Property: is, daitiaged, such
the -cestoration or ‘repair is economically feasible and Le
period; ‘Lender shall. have ‘the: right to hold such Miseé ns
auch: Property -to. ensure the work has: Been compfeted-to: Lender's:
iindertaken promptly: -Lendéeinay’ pay “for the repels. anid reste ft
payments .as the work is completed, ‘Unless an agreement seri
‘oiv:auch Miscellaneous. Procests, Leider ‘shall “figt be
Misvellarients: Proceeds, If the restoration of ropiiir is: not eCos ally
she "Miscellaneous Proceeds ehall: be applied to the. sums stoured by ta Z
the excess, if any, paid to Borrower. Such Miscellaneous Proceed shalt’h
Ta the: eyent of & total -taklag)‘deseruction, or Joss:!in valde of the
applied to. the. sums -sécuféd ‘by this Séeurity: Instrument, whether ‘9
‘Borrower. oo . : :
In. the event of a:pariial taking, destruction, ‘or loss in value of the
Property. immediately before the: partial:taking, destriiction; of loss: inva
sums ‘secured “by this Security InstrumeteImumiedlarely before the. pata
Bortower and “Lender ‘otherwige agree in: writing, tig: gums sequired by this Security
amount. of-the:- Miscellaneous ‘Procesdy multiplied .py- the following fraction: @) 9
immediately, before. che. partial’ taking, -deatrvotion, or loss it value divided by:
immediately before the partial taking; déeiruction, of lose-in value. Any: balancé ehall:-be. a
Tn the-event of & partial taking, destruction, ‘or Toss i value of the Property: in whigh the 1
Progierty: immediately, before. the ‘partial taking, destruction’, or lose itt value is legs. thaNheaimo
immediately. before the partial waking. ‘destruction, or: loss in value, usless Borrower asd Lenae
writings. Ihe. Miscellaneous Proceads' shill. be applied to. the sunts.éecured by: this Security. Tnsy
sajas'ar6 thew. due, : e Tae
wales: Yais-“Seetion: 9 dhall become additional debt of Horrower secured by this
a the Note rate from the date of disbursement -and shall be pavable,
equesting payment.” - : oo a
Yer shall comply-with. all the provisions of the lease. If Barrawer
title shall-hat merge unless Lendet agrécs'to the merger'in
éellancous Proceeds‘are hereby. agsigned to. and
0 to jéstoention or repair of die Property, if
revo nn oo KE
“TEXAS HOME EQUITY SECURITY INSTALMENT (Fir Lie)-Famie Moa Freddie May /NIRORM INSTRUMENT
Borne 3044.1 VOL Govt 10/03):
age Fo IS page)“offers to make ap award to sétile a clan for: damag
p-pétolacion os repair of she Prog
"Opposing Petty" mexns tho third petty
nedus Proceeds.
wider - other \ indebtedness secured: by a prior Valid
gadoned “hy Borrower, of it, -after. notice by Lender 1 .Bortower that the Opposing: Party (as
f Borrower fails to repond to Lender”
fret the date the--noticé-is given; Lendet We.audiorized'to collect aad apply.the Miacellangous Proceeds
ray oF tG fhe jums scoured by this Socurity. Instrument, whetlier or, nor then due,
uit owes’ Hacrower Miacellanenus Proceeda or the party agilast whom Borrower ~
f any action ‘oF proveeding whieh ts not coinnienced Be eresult of Borrower's defautt
ehoumbrancé-against the homestead, whether civil :or criminal, is:
begin that, Db Lender's jedament, 26bld result ‘foitelnure of che-Property’ of other. material inipelmieat of Lender's
interest it “the! Property or righe, wide écuri truiiient: Borrower can cure pict a default and, ifac eléralion has:
Lender's judgment, pro \Property or other material impairment of
or rights under: this. Steyry. Instrument;
- Snbpainment of Lender’s interest'in tie Prope
All. Miscellaneous Proceeds. tha
provided for in Section 2.
1s. Borrower Not. Re
modification of .amoftization of the 4
Sugcessor'-in Interest of Borrower. 8
Borfower: ‘Lender shall. not’ be: require
refuse: to extend’ time for. payment. of dthesxis
reason of any demand: matle.-by ‘tte origina rion
Lender ‘tn gxerctsing. any right or. remedy: including,
persons, ‘entities. or -Snecessots in Lnterest of, Borrawers
of-or preclude the'exercise of any:right or remedy.
“12, Jotnt and’ Several Liability; Seeurity: Exstre
covenants’ anid agrees that Bortawer's obligations and liabiliss
this’ Security Insmrument'but does wot execute the Note: (ay
convey thé.-pérvon's intetest in’ the Property ‘utder: tho: tering.
requirements of Section. S0G@(6)(A), Article XVI of the Texas
‘By this’ Security’ Instrument’ and is not to :be- ‘considered 4:66
establishes. a voluntary. Ji
and ‘each owner's spouse; -and 4d). agrees thet ‘Leder and Borrower ¢a
accommodations with regard tothe terns of the Now,
Subject. to .the provisions of Section 17, any ‘Succeisor In Invarost of
poder this Security ‘Tnstrament fm. writing: ‘ind is approved ‘by Lender; ‘s a
andet this Security: Trstrument, Boriower shall not be: teleased. from Borrowe
‘Secutity Instrument wiless: Lendér: agrees to such: -relenie ‘in’ writing, The cowge afi
Inscrurnent shall bind (except as providad:in Séction 19} and: benelit.the successors: dad aeftgns af:
13, Extenslon of: Credi¢ Charges. Lender may’ charge: Borrower fees for tervicgs’ perio
‘Horrower’s default, for; cia: purpose. of -procecting -Lander’s jaterest. {iV the. Propérty/ an,
Instrument, ) any suas sheady collécted’: ‘from. Portower whith
iced given. by. Bortower or Lender in céthection with this Security instrament roust bE.
jx Connection with this Securlty Instrument. shall be denied to have been given to
a sé wfaik.gr when actually delivered to Borrower's notice: addvens if sent by other-meais.
Notice to: any one -Bornower‘ shal HquOs notice t0-all Borrowers unless Applicable Law expressly tequires otherwise.
alk be tt ress utiless Botrower has designated a substique notice address by notice to
der. of Borrower's “change of address: If Lenider specifies a procedure for
fepdtting. Borrower" 3: ‘diaage ‘of addpesa, Jen Borrower. shall, oaly report a change of address-through: tha
provedhire.: ‘There may be only a ie ‘nodes address under.this Security Instrament de.any ons time, ‘Aay. notice to
Lender shall be -given.by,.d by mm it ‘by: firse class: mall (out; by certified-inall if the notice Is given
pursuant to Section 19) to. Lender's address stated in unless “Tender. has desigtiated another address by notice to
Borrower: “Any ‘notice in connection with shis Security Ths riént shall not be deemed t6-have been given-to Lender-unci.
actually received by Lender: 1f any uo} ice required by Inathiment'is alsg required under Applicable. Law, the
Applicable Law requirement will satiefy\dhid.corresponddidg eiumee is Security: Instrument,
15. Governing Lavy. Severability; Rs P ty Instrumens.shall.be governed by. federal
“Taw and: the Jawa of Texas. Alb tights-and dblig is
and limitations of Applicable Law. ‘Apolicablé Law mi
might be ales, ‘gut sith silence Shall not be ‘const
the parties to agree by‘contract or. it
ent by contract: Inthe event:that any
A Law, such tonflict sitalt not affect
other provisions ‘of this Security. Tnstrument orthe Note which éct wi iovh the conflicting provision..."
LAS used tn this Security Tathument: ca) words ot thie ptasey gender; OH mean’ aid include corresponding neuter.
q :ghall migatt-aadin tude the plural ned vice were aaid (e)
the word: “may” gives sole discretion without aay’ obligation: to tale any’
16. Borrower's: Coples.:Boitower shall -be’ piven at: dye bis Basen af Credit iavade, a copy of all:
documents sighed by Borrower. selated to tlie Extension of CrediQ,
17, ‘Transfer ‘ofthe Property or a Beneficial Interest in Borphwer’: this Sectian. $7; interest i inthe
Property": means. acy ‘legal: or beneficial: imerest'in the Property, inolidifg, but: imted:to;: those
transferred ‘ina-bond fox deed, contract for deed, ingtallment sales contract oreser sreere
transfer of title by Borrower at a furure date 10 a: purchaser, ‘
if AW ‘or any part ofthe Property or any Interest inthe Property’ i ohiar t
persot -end' a ‘benoficlal ierost’ id Borrower 3s sold-or transfered) without Lender's
require tmiediats: payment in full of “all. auinis. s¢oured. by this Security: Tniatrujned
exeroised by Lender if such exercise Is protilbited by Applicable Law:
If Lendey- exeveises: this option, Lender shall give ‘Batrower. notice: e
of not Jess than 30.day#frowa:the date the notice is given in accordance with ‘Seetion'14{ tie
all: gums: Securéd by this Security. Instrument. If Borruwer, falls ¢-piay dese auins pride ta
Letuler may invoke any remedies: permitted. by-thig’ “‘Seourlty Instrument without furter mptide os dems
Borrbet Ted. ow bile Ke.
Toxad wor squerY SECURITY: ESTA SN (tr Life Nae ee ie UNORM GOREN . Foray 04 0 13)
IS page,
pis refund. by. making axpaymient:| 16 Borrower. .
especfied
ngimument, ae 3 subject to any requirements: -
cial: inndhests .18\: Bortower's Right 4o Reinstate.After. Acceleration. if-Rotrower thevta cértain conditions Borrower shall have.’
i Aforcefment: of this Security Inswuient discontiied at any time: pelor to’ the earliest of: (a) five days
Property pursdant wo any power.of sale contalned: in: this Security Instrument;-(b) such other period as
i : vernitts rigft ta.Feinstaiey-of (c} entry of a} ent enforcing this
f Ic 0 ! pays Leader all-sums which then-would:bé:due under this:
Security Tastfuine ‘Note 43 ib nd acceleration. trad: accurred; (b) curée tiny défmult of any otber-covenants or
agreement efar ab allowed by'Section 30¢a}(6); Article XVI oF the. Texas Coastinition, incurred :-
in exforc’ fit, indluding. but not litited to, retsonable-anomneys"'fees, property inspection and
valuation ep for the purpose of protecting: Lender’s-intivest {n the Property and rights und f this
Security. Ins k bh action. ag: Lender:may reasonably require toi asgure that Lender's injerest i the
Property and. : es instrument, and Borrower's obligation to pay the sums-aecured by this Security”.
Instrumente, shall eottinue unchat ay require. that Borrower pay such reinstatement ‘Suing ‘and expensed in one:
hy Lendet:: 2)’ cashy. (o)-money-order} (0) certified check, bank check.
teasurer's: check ‘or castle dict ‘apy such check Is dtawt pon en instipitlon whose: deposits ate insured-by a.
federal agency, insmumendiry: or entity, of (¢ (Electronic Funds Transfer. Upon reinstatement by. Borgoiver, this Security.
Insrrumentand- obligations: secured Jetebyshall remain fully. effective as if no -goceleration'tiad ocdurred, However, this
tight co: reinstate shall not’ apply ine case‘ of acceleration under Section SF. SS Lets
“19. Sale,.of Note; Change 92“Toan 8 otive of Grievance; Lender'’y Right-to-Comply. ‘The. Note ora -
partial interest. in the Nore (together wi 9-Se Siyument): can be’ sold che of more:times without prior nolice to
Borrower, -A'sale might result ina change ‘Bervicer")-that collects Periodic Payments due
‘under. the“ Note-and ‘this’ Sesurity. Lostn sligati
_ Security Instrument, “énd: Applicable J
sale of the Note. IF there.is a'change of the
state the namie and address of the new Sioa
information RBSPA ‘requires-in Connection Wit @
Extension. of Credit je “serviced by. a, Laan Servi
obtigatious. “Borrower will. remain. with the “bo
agsumed by the Nom purchaser uniegs otherwite pro}
‘Neither ‘Borrower nor Lender may commence,.
‘Of the member of a ctass) that arises from the other p
the other. pamy bas. breached any: provision. of, or
Bortower. or. Lender hag notified the ‘other party-(with. x
14) of such ‘alleged: breach and afforded the ether-party-hereto
gprrettive dction, {f Applicable. Law: pravides atime period wii
‘Berlod: will Ye deemed to be reasonable for putposes. oF this paragtaphs
of the: Texas! Constitntion,-generally provides that.a lender fas 60 days’
6f credit after:being-nolified ‘by 2 borrower, of a. failure to comply: with ai
opportunity’ to. cure. given 10 Botrower pursuant to Section 21, snd she non
Section 17 shali-be deemed w satisfy the notice and-opporminity ta take car
te ig Lender's and, Borrower's’ intention -to- conform sstrictly to pro
Exténsions of Credit ad defined by Section 50(a}(6); ‘Article XVI of the Texas oa,
All “agreements: “between: Leader “and ‘Borrower aréheréby expressly limbed a thgtds Doeye
=
Constinedan applicabié 19
between Lander “and forrawer,, or, betwee either-of them and any-third party. Begoristrued naNG ; 80 days:
after geceipt of notice ta comply, as provided in-this Section 19, sith Lender's obligations:
the “fill extent permitted by Section S0(a)(6). Article. XVI .of ‘the Texas Consiiautl
Extension. of Credit is. bélig made onthe condicon that Linder shall bave 60-days after
the “provisions of Section 30a 6) ArtiCle. XVI of che Texag-Conginudion!: Asa precanditio!
‘on failure of ‘Lender. to. comply,."Borrower will. advise Leader ‘of die noncompliance by angtice
Section. 14, und will) give, Ledder 60. days after such-totice hug been received ‘by Lerider to comply,
required:"by Applicable Law, only after Lender hax teceived sald notice, has had 60 days to comply, and Lone
BNE
Dy ATiCH
«o'ebinply, shall all principal anc interest be forfeited by Lender, au requuinéd by-Section SXa)GNQD, F
Texas Coristitution annection. with failute by: Lender 40 coniply with its obligations under this Rxtox ion OF Ci
Borrower will: eooperite:,in reasonable : efforts. to correct any failure by Lender,
Vbaf the Texas Constioution. . Des :
. ‘TEXAS HOME EQUITY. SRCURITY INSTRUMENT: Fis Lien Pune Moed¥redelé blac UNTPORM INSTRUMENT
id.1. 101. rev. 10403)
"Giage'l0 of {4 wates?
rem age OO. eyday reason. whatsoover|: any “obligation of Sotrovier or of Lender. spursitehi to.the terms ar
equirement hereof or -6E ny “other Joan document: shalt be. ‘construed. to. violate any of the provisidas of the ‘Texas’
applicable 10 Extensions of Credit da defined by Section $0¢a)(4); “Article XVV of the ‘Texas Constiration, thes.
any: such abl the provisions of thig Séction 19, and the document muy be reformed, by written
from | asty of the. execution of any-amendinenl or new. dooameat by Borrower, 99 that
so E af shyt be thodified 10 conform tothe Texas Constitution, and inno event shalt Bortawer
or Lender Be obligated tc: partOxin_atty: act, of be boutid by any requirement: which: ‘would sonflice therevetth
Alf agroements:heewéen Letter and Borrower are expressly limited 86 that any interést, Bxtension of Credit cbiangs. or
fee collected: 0} plktted- (other tap payménc of interest) from Bofrower, any ownsk or the spouse Of any omAler
% on, evaluation, maintenance, :pecatding, ' insuring. of rervicing: of the
the highest amount allowed by Applicable Law:
This: he” express Q Borrower to structure this Hxteasion of Credit to ‘gonform to the provisions.
of the “Texas. Constitutiont renslons::6f Credit: as defined by:Boxtion 50(a)(6). ‘Article XVI Gfthe Texas
Constitution... -fromi-any Sireuims arice atsouver, ‘any (promise, payment, obligatioa ‘or pravision of the: Note, this
stt0a at javolving “this Extension of Credit ‘trangceitds the linnie of velliry
et e: , obligation br. provision shill be reduced. to the limitof sich
validity, or “eliminated ‘as 2 requirement i ‘for Borkp Nnece with such law, and ucts Socument may be reformed,
by writen = nove from: Lender. withont -he- aecessity’
Brovision. of this Section $9 will a ean Ry INCOT
20. ‘Hasardous Substances, As. used. in thts
sosie of! Hazardous substances, olan or wastes ; by
z this Security Instrument. :
bstancea’- are those substances definéd as.
antk the following substaiices: gasoline,
eldey! volatile solvents, materials
micans. federal tawa ani tawes of:
ania itictuds any. espende- action, remedial action; of rer
“Environmental. Condition” meéans: a condition that'can tase,
Cleanup.
‘Borrower shall ‘Rot. calige. or permit-the présence, use, dispasa
threaten’ to releasé: any Hazardous Substances, on of iivthe Property.
anything affecting ‘tie Property (a) that 15. in ‘violation of any Environ
Condition, or (c), Which, due:to the presence, use, oF release of a Hazardo
affects. the: value.-of the Property, ‘The. preceding twa. ‘sentences-ahall yot'
Property of smal} quantities of Hazardous Substances that are generally reodgalz
uses and 00 inaidténadce of the Property-Gncluding, buf not limited to, ‘hazardous substapoes
> jBorrower, shall prompdy (give Lender wrleten node’ of {a) any investigation, ol
by -any':goweniimental | or regulatory agency. of private, party’ fiwolving the Propeny aniLan
Environmental! Law of which Borrqwer has-actual knowledge, The. sale mot begin at the:-time'stated in
the: notice of gale of tat, ater: than three hours afer tt ine as Setyed i gf 10 a.m: cad’ pct, om the Gist
parcels: atid in aby order ‘Trustee determines. Lender ior lis design’ witha the Property y at any sale, ithe event of
any ‘conflict. benween: such “procedure and: tho: Ruler, the “Rules shal nd 2
reformed to tie extent necessary tocomply.. -” .
Trusies: shall ‘Meliver wo. che. purchaser whe sciuires tithe. to. the’ ore sons ein.
covetants ait, agrods co defend generally. die purchaser’ s Tides the’ Pony ‘apaliise 4
in the Trustee's ‘deed hall be prima facie. evidence of dié truth of the statements aiads Herein. 2
proceeds of the sale ‘in. the following order: | {a):t0 all expenses of the sald, inching, sore 1 .CON
reasonable Trustee's and attorneys’ fees; (b). to: all suns seoured by this Security Inser a
‘pefsox or persons-legally entilled-to it, .
If the Property is: sold: purguatit to this Section 22, Bortower ‘or any person
through’ Botrower shall’ ‘mamediately surrender possession of the Property. to-the purchaser at e
-gustondered, ‘Borrower. oF puch person shall be & tant it sufferance and may- be removed DY wH
‘court proceeding,
TEXAG HOME EQUITE SECURITY INSTRUMENT (Fish Liou) Yaarle Maw Freddie MaSUNIRGRM INGTRUMENT. “Patan 30461 Tat oe ‘1003)
. “ee ° page LDF 15 pated):hin: 3-feasonable tine after tereutiation and full payment of the Extension of Credit, vende? anatt
canéel’ and: renirg the Sete 10/ the owner -of -the' Property’ and give:the owner, in tecordable, forms. a Feleast of the lien
Extension of Credit or #: copy. of an endorgement of tlie Note and assignment of the lien to a lender that i8
‘ensibn of Credit: Owner shall pay only recordation. costs. OWNER'S ACCEPTANCE OF SUCH
.-/OR:. ENDORSEMENT AND. ASSIGNMENT, SHALL: EXTINGUISH ‘ALL. OF. ‘LENDER'S
OBLIGA IR SECTION 50Xa)(6); ARTICLE XVLOF THE TEXAS CONSTITUTION
24. 5, ACender ‘shall be subrogated to” any. andvall rights, superior: tine, liens and equities
‘owned or: ownét or Holder of ‘any. tens and debts ‘outstanding inmiediately prior sgrexeoution hereot,. -
Tegardless 0 3 eSitg are-acquired by Lender byt assignments or are. released by'the holder thereof upon
payment.
ibility: described. below, each person who signs this: Security Tatruntent is
e's promises and. obligations in the: Noté and this Security Adstriment are
performed.
Borrower uadersiatdy that sention’ Ma)(@(C}, Article XV1 of the Texas Constitution. provides.that'the Note is given:
ot the Property anid: aghinst the spoust ofeach owaier unless’ the Owner Or:
. This means thet, absent such actual fraud, Lender can enforce, its”
Rroperty-and: fot personally: against the owner of the Property or
Spouse obtained thts Extension 9
rights. urider: “tis. Security ‘Insfs
the spouse of a cwner, - . :
Tf this Extension of Credit is obtained actul flac, then, subject io Section 12, Battower.will-be persotally
Hable for’ the payment :of any’ ‘amounts. (due eae 3 or this “Securi crute a
judgment ‘could: be obtained against B é pr faile-ts, B pon 6
this Security Instrument, Including a jidg
~ amoiint fess than ie owing ander the Note, thereby-s
If not -proliitited by: Section SOCMENCY, ‘antile
any. wary: the-lien of this Security Tastrument or the ri
Instrument ot prejudice the right of Lender 3a to-a t
°- °25; Proceeds, Borrower has. not Deen: reuuiiced toa
debi except a-dubt secured by the Propery of débr-to snother’
26. No ‘Assignment of Wages. Borrower. hds-not 8 fe
Tt. Acknowledgment of Fair Market Value, Lender and B
thé thir iarket-value of: Borrower's Property:on the date the Exteatio
28.. Substitute Trustee; Trusted Liability, All-rights,-reimddiés: and J atee und
may ‘be exercised or perforred. ‘by one or mote trustées-atting alone or togester: ; Lender, ‘option and witht Ot Withow:
cause, thay’ from time ‘to- time;. by’ péwer “of attorney or-otherwite, renlove or substipas tras one of more
trustees, or ‘appoint. & successor trusiee to any Trustee without the ne ali ee by:
Lender:'in writing;. Without. any further: act ot conveyarice of the Prope
shall become ‘vesuéd. with the tide, righty, remedies, powers | and dutles cont
Law:
Trustee shall fiot be able if acting, upon any noticé, Tequest, consent; ny
by ‘Trustee to be cortect. Trustee shall ot he Hable for:any act or ‘omisston vnless a
Collateral. Borrower
and thie Security Tnstrattient:.
y ension ¢ | of Credit to: repay: another :
default: (B) provide for’ aduitional collateral; and/or {c} &
actual: fraud), for, che,“Extension’ of Credit, - This:-walver
collateralization; (). furire ‘indebredness; @) Gross default: and/or te} ‘dragnet provisions
Lerider
ween he.
"Texas monte RQUITY SECURITY TRTHURAENT cre van ii UNTO NRE : " Worms 3044:1 4/01 (reve 2008), .
: age 23 OF 15 pagesi Borrower accepts and agrees to the terms-and covenants contained in this Security Instenment
and in any Rider executed by Borrower and recorded with it,
{DO Xo: BLANKS LEFT TO BE COMPLETED IN THIS DOCUMENT. THIS
AT THE OFFICE OF LENDER, AN ATTORNEY AT LAW OR A
RECEIVE -A COPY OF THIS DOCUMENT AFTER YOU HAVE
YOU MAY, WITHIN 3.D: ‘ CLOSING, RESCIND THIS EXTENSION OF CREDIT WITHOUT
PENALTY OR CHARG ON
Kitli, Kamumah:
BRUCE KAMINSKI jorrawer} KIRSTEN KAMINSEI (Borrower)
(Borrower) (@orrower)
{Borrower} ‘Bortawer)
[Space Below This Line For ent] -——~~~-—---~—-~
TEXAS HOME. EQUITY. SRCURITY INSTRUMENT (Firat Lian)-Panple Man/Froddle Mag UNISORM INSTRUMENT Fora 3044.1 101 (rev. 10/02)
(page £4 of 13 pages)io of person or persons acknowledging),
Signature of Office
safle 6
‘TEXAS HOME RQUITY SECURITY INSTRUMENT (First Liea)-Fannte Mae/Freddla Mac UNIFORM INSTRUMENT Form 3044.1 LOI (rev, 10/03)
(page 15 af US pages)‘TEXAS HOME EQUITY .
_ANNED UNIT DEVELOPMENT RIDER
ECOPMENT RIDER'S made this 4TH any of APRIL, 2007, aid is incorpoebted Into
‘and: supplement: the Security Instrument of the same date given by ie undersigned (the
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Filed Te ether 30 A10:16 Shem Adelstain District Clerk Denton District cause No: 22f-6/6 96 57 3 IN THE DISTRICT COURT OF DENTON COUNTY, TEXAS CITIBANK, = N.As TRUSTEE TO US ASSOCIATION AS THE POOLING A AGREEMENT DATED \AS--OF 2007 MASTR ADJUSTABLE MORTGAGES TRUST 200 MORTGAGE PASS-THR CERTIFICATES, SERIES 2007- ("Applicant") OU UP OD UP) LP) DL EP LD LP UD LP Lf OD Os JUDICIAL DISTRICT HOME EQUITY FORE SYNOPSIS: Applicant s foreclosure of a home equity lie: Const. art. XVI §50a(6). Respondent is secured by the real property and improvements ("Property") withthe mailing address of 7024 AUTUMNWOOD TRAIL, PLANO, TX 75024 and legal description: 5570631542144, Code Na: 24076 MWZM No: 11-0005 14-670{BLOCK A, OF KINGS RIDGE ADDITION, PHASE TWO, AN ADDITION TO THE LITY-OF PLANO, DENTON COUNTY, TEXAS, ACCORDING TO THE MAP OR PYIEREOF RECORDED IN CABINET V, SLIDES 292-294, PLAT RECORDS, e official real property records of DENTON County, Texas at mall or part of the Property is located. In the alternative, a legible 4. default under the security instrument are: (a) According to Applicant's *e 05/01/2011 payment and, as of 07/23 at least $335,148.90 therefore, (b) As a result of the failure to make payy breach of Respondent's obligations unde agreement is due for the amount owed Applicant is 6. In accordance with Tex. R. Civ. P. 736(1)(G), App Tex. Const. art. XVI §50a(6)(D) to sell the Property under the sg Code § 51.002. 7, In accordance with Tex. R. Civ. P. 736(1)(G), a combination knowledge and sets forth such facts as would be admissible in evidence. 5570631542144, Code No: 24076 MWZM No: 15-060514-670anf appoints WES WEBB, L. KELLER MACKIE, MICHAEL W. ZIENTZ, OR M{ENDOREF or successor, as the substitute trustee to conduct the public auction évided by Tex. R. 736, the security instrument or Tex. Prop. Code § 51.002. Respectfully submitted, MACKIE WOLF ZIENTZ & MANN, P. C. L. Keller Mackie State Bar No. 24013077 Emily Stroope State Bar No. 24070692 John M. Lynch State Bar No. 24063968 a Center I, Suite 660 4480 N, Dallas Parkway TOR Kae APPLICANT A Cys 5570631542144, Code No: 24076 MWZM No: 11-000514-670CAUSE NO: ‘e: Order for Foreclosure IN THE DISTRICT COURT OF Concerning DENTON COUNTY, TEXAS CITIBANK, N.Ay TRUSTEE TO US ASSOCIATION AS THE POOLING A AGREEMENT DATED 2007 MASTR ADJUSTAB MORTGAGES TRUST MORTGAGE PASS-TH DR car Ca Dan KEOD UO LN LOD CLO LP OD LP UP LP UP UP UI ht COP CERTIFICATES, SERIES 2007- O ("Applicant") JUDICIAL DISTRICT STATE OF FLORIDA § § COUNTY OF PALM BEACH 8 Before me, the undersigned notary, on is day py ally appeared Ryan Dierdortt ("Affiant"), a person whose identi own by me. After I administered an oath to Affiant, Affiant testified: Ryan Dierdort of Ocwen Loan Servicing, LLC ("Ocwe "My name is Contract Management Coordinator execute this verification on behalf of Ocwen, who is responsible for servi mortgage account as attorney-in-fact for Applicant." “L have read the Application and I have personal knowledge of all the facts set forth $57063 1542144, Code No: 24076 MWZM No: 11-000514-670therein, apd all of the facts are true and correct. My personal knowledge is based on my review of ¢ activity and transactions reflected in such records, regularly conducted by Ocwen. It is Records." Ryan Dierdorff Title: STATE OF FLORIDA § $ COUNTY OF PALM BEACH § SWORN TO and SUBSCRIBED before me, the unders! personally appeared Ryan Dierdorft » known to me persona name is subscribed to the foregoing instrument. DENISE V LUNDQUIST MY COMMISSION # BE090005 EXPIRES May 03, 2015 3, FioridaNotary Service cont 5$70631542144, Code No: 24076 MWZM No: 11-000514-670CAUSE NO: Infe: Order for Foreclosure IN THE DISTRICT COURT OF Concerning and DENTON COUNTY, TEXAS CITIBANK, N.&s; TRUSTEE TO US ASSOCIATION AS THE POOLING A AGREEMENT DATED \ 2007 MASTR ADJUSTAB MORTGAGES TRUST 200 MORTGAGE PASS-TH CERTIFICATES, SERIES 2007-! ("Applicant") Ur KEY ED LO LD LO OD UO UR UD LP LD Ls Ld LP NP LP C JUDICIAL DISTRICT STATE OF FLORIDA § § COUNTY OF PALM BEACH § to Affiant, crime of moral turpitude. 1 understand this affidavit has been prepare with Tex. R. Civ. P. 736(1)(G) and Tex. R. Evid. 902(10)." Contract Management Coordinator "l am employed as a of Ocwen Loan 5570631542144, Code No: 24076 MWZM No: 11-000514-670e& LLC ("Ocwen") and authorized to make this Affidavit on behalf of wen who is responsible for servicing this home equity loan agreement, as that Tex. Bus. & Com. Code § 26.02 ("Loan Agreement”), as facts contained herein and they are true and correct. My personal knowledge is base y review of the Servicing Records described below. In Records"). \€ Se g\Records typically include electronic data compilations and i "Based on my training e processes by which they are created and maintained, Ocwen were made at or near the time by, or from information ¢ ledge of the activity and transactions reflected in such record e ordinary course of the business activity regularly condyucié t is the regular practice of Ocwen's mortgage servicing business to make and ateits Servicing Records." the Application. According to the underwriting procedures of Ocwen or its predecessor in interest, and_b obligated for the debt. The Loan Agreement debt is due for the 05/01/2011 payment. As of 07/23/2011 each Respondent obligated for the Loan Agreement $57063 1542144, Code No: 24076 MW2M No; 11-000514-670foreclosure process against Respondent's homestead in iv. P. 736. No personal liability against Respondent for Gotdinator Ryan Dierdorff STATE OF FLORIDA COUNTY OF PALM BEACH SWORN TO and SUBSCRIBED before me, they iblic, on this day personally appeared Ryan Diardotit. 3 lly to be the person whose name is subscribed to the foregoing instrument. Given under my hand and seal of this offige this 3 day of DENISE V LUNDQUIST MY COMMISSION # B£090095 BR EXPIRES May 03, 2016 £407] 298-0153 FloddaNoteryServica.com, 5570631542144, Code No: 24076 MWZM No: 11-000514-670Danton County Cynthia Mitchell County Clerk lil Denton, Tx 76202 instrument Number: 2007-46394 AS Recorded On; Deed of Trust Partlest KAMINSKI BI . Billable Pages: 21 Number of Pages: 21 Comment: ZO™ Log listed above’ are for Clerks reference only ) ‘** Ekarhined and Gharged as Follows: Deed of Triet 6.00 Or LSS Zo ee 70 2007 OCDxG284 Total Recording: 26, waren? DO NOT REMOVE THIS PAGE IS PART DE THE INSTRUMENT "*trrrrer* Any provision herein Which restricts the Sele, Rental o use of the described Ri because of color or race Is lnvabd and unenforceable und! ey File Information: Racord.and Retum Document Number, 2007-46391 Receipt Number, 378140 STEWART TITLE Recorded Date/Time: April 19,2007 03:01:44P WILL CALL , DENTON TX 76202 User / Station; K Lambert - Cash Station 3 THE STATE OF TEXAS } “GOUNTY OF CENTON } Thereby cortty that thie instrament wae FILED In (he File Number gaquacice ony the daestine printed Karon, and wat duly RECORDS In tne Ofmefat Renerds oF Getto County, Tees, Cita, Gounty Clerk Denton County, Texas:yap sin BFR ralet Lvhacws This Late For Recording Data] — “he followin) : Shy instrument that transfers-aii. interest ARTICLE XVEOF THE STITUTION: Tf you are d natural persoa, you may remove or strike-any or'all of In real property before it-is eeqrda:: Your Social Security Number: or: Your Driver’s License AN-DRFENSCON OF CREDIT’ AS DEFINED BY SECTION S0{A}(0), TEXAS HOME EQUITY SECURITY INSTRUMENT : Tien)” Stine nanverouseoisnzio ~ DEFINITIONS Words teed in multiple yections‘6f this document are:d 20 and 21, Certain rules regardlag the usage of words.ugp provided (AY “Security Inéteument" teans this docieneat whith (B) "Borrower" ‘ig BRUCE: KAMINSKY and KIRSTEN Ka ‘under this Security Instrament, . : . {C}. "Lender" is: UBS AG TAMPA BRANCH: Lender 3 a CORPORA existing: undér the laws of Switzerland, acting through its'U.8. Hransti address: is 2202 NuWEST SHORE BOULEVARD, SUITE 200, TAMP. who is entitled to receive payments under the Note. Lender. is.the beneficiary yt WD): "Trustee" is DON W: LEDBETTER, PLLC. Trustee's address is-17330:DALLA: 75248, : : me " cas 15°" (Ey "MERS® is Mortgage “Blecironic: ‘Registration “Systems, Ing: MERS nomiiney far. Lender and Lender's successors and-tssigns, MERS tg che mc argunized and existing ‘under the Jaws Of Delaware, and has an ‘address 48501-2026, tel’ (888) 679-MERS. : . (WH) “Note! -mmein6” the “promissory note. signed by Borrower and:dued APRIL4, 290 Lender: THREE HUNDRED: FIETY-SEVEN. THOUSAND ‘TWO HUNDRED At plug interest. Borrower has ipromiged to:-pay_ this ‘debt: in re! plar Periodic: Paymenls MAY 1, 2037, arr : : (G). "Property" means the property: that in devetibed below under the-Heading “Transfer of Ri (H) "Extension’ of Credit" inteaus the. debt evidendid: by the’Note, as defined by Section Cofétinution and:all the docaments executed int eGniiection with.the debt.” . . ance Borrower's: acquisition of the:Property. -Gefined in Seotions'3, 10,12, 17, 19, in Section 15. ges Si ‘all Ridets:to ‘his dostiment;, DVAND WIFE. Borrower {a the grantor ASSOCLATION which ia organized anid ed under V8. Federal Law. Lender's AY. #115 DALLAS, TEXAS. oh peiug sally avn nsirument: -MERS iz Box 2026, Flint, ML Borrower. Owes. 5357,200.00) ‘TERASHOOE DOUITY SECURITY INSTRUMENT (Frnt Livy) Fannle Mat/ttddle Mise UNEFORM INSTRUMENT Rove 3044:1 1701 (rev, 16403). fpage 113 panes)means 1 rieétg tw this, Seoutity lasiriment that are executed by Borrower. The following riders aré to be executed-by Rorrewer fe ox a3 appileable}: . . Texas Hotae Equity Condominium Rider M Adjustable Rave Rider ° DW Texas Hope Equity Planned Unit Development Rider (Other [Specify] cdble Law" -sngiins’ gH controlling applicable federal, state “aiid local states, régulations, ordinances: and on admnitsiistrytive: rutes:and ordery(thapvave-the effect of law) as well as all applicable final, non-appealable judicial opinions, (K) "Com tion Dries, Fees, and: Assessments! nieans all-duds, fees, assessments and other chatges thet are imposed on 9 Property. bya condominium, asscciation, homcowners aasociation or slinilar otganization, QL). "Blectror Funds“‘Transfer any, traasfer of funds, other-tha-4 transaction originated by check, draft, or similar paper instrument,: which through an éléctronic.tériminal, telephonic instrument, computer, cr magnetic tape. so #3.t0 order, ‘instruct, of authOrind a fingo ‘al institution to debit of: credit ari docount, Such term includes. but is not Jimltéd to, - poltit-of-sale-transiete, automated | teller machine transactions, transfers Initlaed by telephone, wire transfers, (M):"Excrow tems" means. thos items that pre described in Section 3... fons : : . _ (S)""Miscellaneous Procétds" meats” sf ‘tompensatioa,. settlement, award ofddmages, or proceeds paid by any third party (other than insurance, proceeds pa op the coverages described int Section 5):for: (i) damage to, of destriiction of, the Property; (ii) coudémmiation ys ether tn sitet aly part of the Property; (ili) conveyance’ in liew of condemnation; or-(iv) mistépresentations of, or omissioy i ahd/or condition of the Property. : . (O}; "Periodic: Payment’ means the 1 J hmbunt due for (i) principal and interest under the ‘Note, plus Gi) any amounts tinder Section 3 of this Security Instrument, . : : : (P)"RESPA" meang the Real Estare\ Seqleiuent: & , regulation, Regulation: % (4 -C,F.R, Re o0F;a succesor lépislation. of tegulation that govertis: ths 5 refers to al} requiraments ‘and restrictions: that are imp Extension of Credit does not qualify-ay a “federally. rep (0). "Syccesaor .in:' Interest of Borrower" moana’ has-assumed Borrower's obligations under the Note ay § 2601 -et Seq.) ‘and ‘its implementing eg rom: time to tmé,-or aay addidonal or used in this Security Instrument, “"RESPA" feiictally related mortgageloan" even If the Ae : TRANSEER OF RIGHTS. IN THE PROPERTY - The beneficiary: of this Security Instriiiaent is MERS: (solely as-cog andthe successors -and aséigns of MERS. This Security Instrugié GF Credit; and all “extensions and. miédifications: of the Note\4 agreements ‘under this, Security. Lostrument and the ‘Note. For this, purify ‘Trustee, in trust, with power of sale; the following ‘described Property loce __-DENTON : . ‘PName of Recording Jurisdigtony SEE EXHIBIT "A TATTACHED HERETO AND MADE A-PART HER boro Ii Bee TEXAS HOME BOCITY SECURITY INSTRUMENT ‘(Pirat Lta):Pronls Mice/Preddls Mac UNIFORM INSTRUMENT. “Storms 0641 140k tre, 10/03) . : (page 3 of 15 pageswiki eurvently Aes the Gdciews of 7024 AUTUMNWOOD TRATL on [Street] 2 PLANO. 5024 ‘(Property Address”): [Zip Code} ; : TOGETHER. WITH ali ovement now or hereafter erected on the Property, -and’all eageitients, appurtenances, and. fixtures\zio’ the Property, All replatements.and: additious ahull algo be covered by [his Security Instrument, AT roperty"; provided Yowever, tat the Property. is “fimies (H);:Articls XVI pf-the ‘Texas Constintion, Borrower understands: and tothe interests granted! by Borrower tn. this ‘Security Instrument, “dur; if, recessed dw or citgromt, MBRS (as nominee for Lendet end Lender's aliccassors ad ose intivests; nctuding, ‘but slot limited 10, the right:t0-foreclose.and sell assigns) haa’ the right sei d 191, ese the ‘Property; -and tp take i ifed of. Lender including; but-stet limited saleasifig: and canceling :this Security. Tosctrument. “ . : : : BORROWER COVENANTS and convey the: Property and hat at arid will defend generally ‘the tle svifuily selsed of the ebtate hereby conveyed and has:the right 10. grant snichigbered) except for encumbrances of record: Borrower warrants Siaims and demands, subject ta: any'dicumbrances of record. © ‘Borrower and Lender covenant and|agte 1, Payment’ of Principal, Inters of, .and'interest on, the debt evidenced “for Escrow: Items. parsuint to Section 3. a currency... However, if any check -or other instrume! « Boridwwer shall pay when due the principal ner the Note. Borrower hull also’ pay. funds ity Tnsteument sliall. be:-made-in U.S, yinent under the Note ot-this Security ingtrument is -téetumed. to- Lender unpaid, Lander may got -payinents Ue under the Note and this: Securlly Inatrument be nade in. otix'or more of B re ders (a) cash; (by mioney-order; “(ey certified check? oaak check, treasurer's check or Cashier’ 3 ck is drawn upon-anTnsitution whose deposits aré tnsured by @ federal agency, fastrumerit 5 Funds ‘Transfer: vdere _. Payments are deemed -xecelved. by Lender “when » ‘location: as. thay, ‘be designated by Lender ia-accorditnce é payment. or’ partial payment, ifthe payment oF partiak paynicnts ‘Lender may accept auy payment or partial payment tasufficient 19-4 any: rights. heréumder or, prejudice ‘to ie rights to.refuse-such pl obligited to. apply. such: .payinents at, tho time suck payments are scheduled: due date, then Lender. need: not pay interest on unappl Bortower: sriakes” payment to britig the Extension of, Credit Current. . of time, Lender shell either apply such. fundy ‘or.Fewin thent ta. Borrower. appli wo the outstanding. principal balitice tinder the Note intmediately. prior to foreclosurk might have sniow-of-in the futyre against. Lender shal} relieve. Borrower from making Security Instrument o perforifag the covenabes and agreements secured. by. this Secutt 2, Application. of Payments. or Proveedi:. Except as otherwise describeddnd ‘ad -appiicd by Lender shall be ‘applicd:-in the following order of priorigy:, (a) intetest-due: under the Note; (c) 'amhoukis duc under Section 3. Suth payments shall-be applied to each whlch it became'due, Any-temaining arnoumts shall'be applied first 10:late Charges, secong this Secuflty Insttument, and.ther to teduce the principal balance of the Naty... peicfent to-bring dié Extension of Credit current. OF Credit cuirent, without walyer-of ‘the fururé, bur Lender is not. ” HE, Lender recelver'a payment from Borrowet fora delinquent Petiodic Rayment pay any Jake: chargo due, the paymont.smay' be applied to the delinglienr payment and: thie | Periodic Payment is outstanding, Lender may apply any.paymieat received from Borrower to the ag “oUpoa: payment fafullof all sume secured by ‘this Security. Instrument,’ Lender shall, pfoniptly ref Funds held“by Lender. : n 4. Charges}. Liens, “Borrower shall. pay. sll” taxes, assesemients, charges, finer, dl imp Property Which ‘can anain priority Over this Sevurity Instrument, .leasehokt payments. org any, ‘ind Commuuity- Associstion ‘Dues; Fees, and Assessments, \faay: To the exient, that Borrower shall pay them in the stantier provided in Section 3..: . - Texas HOME EQUITY SECURITY INSTRUMENT CPt Lien) -Panate Mac/Freddie Mac pymromad pasrpusaen yg 1 Porm 3044.1 ui ter 008 a ee ee seaeaien Soe Tr page yegenBorrower shall, promp i discharge any lied which ‘has: priority: over this Seoutity. Iuetrument yalegs: Bortower::(a) tof the obligation secured by the lien Wa inanber acceptable to’ Lender, but only 99 long as: i cOnteste the Tien in:good falth by; or defends agalnae enforcement of te-tlen Ti, legal ‘prOcegdings which iii Lender's opinion operate to ptévent the enforcement of the lien while thove proceedings are pending,’ /but ‘only witil auch progecdidgs -2cé concluded: or (G} secures from. the holder ‘oF ‘the ‘lie an agreetnent the-ffen to this Security Fasrhumieht. If Lender determines that any part of the'Property ig spbjeet\ to Priority over this Security Instrument, Lender may give Botrower anotite identifying. ale On which that notice is given, Borrower ehall satiefy the tien of take ong or mire of Lender--raay ‘onestithe charge tor a teaf-cstate jax Verification atid/or Feporiing service used ty Lender in conhestion § ORGredit; we : wb we §.. Property: Inga . fall keep. the improvements-ndWw existing or hereafter evecied on the Property iphint the term “extended coverage," and any otfier hazards Jinclivditig but not Hmited ta,. eartinidkes and floode(fop/ whieh ‘Lender requires insuranté: THs insurance shall be wnaintairied inthe dindunis’ Gicluding deductible: levels} 3 or: the -periods. that’. Lender requires: Whal Lender requites: pursuant tothe sa the tern : resulting froin an objection by Borrower.” : If Borrower fails to. maintain any-of the coverages:de Option’ and ‘Borrower's. expéuse,. “Lenderis" under’ ligation t “Therefore, such coverage:shall cover Leader, but-inight or might, or the cantents.of @ie Property, agathst any risk, hazard or lia Breviously in effect. Borrower dokndsdledged that the cogt of the the'-cost of Arist : hat: Borrower..could :have--obtamed” Aa it Of Borrower secured by this Security Instrum become additional: de froft. the date of distnitediment and shell be-payable; with § payiient, . . All ingurgiice policies required by Lender and fenewals-df such policits 3 such ‘policiés, shall hiclude: a-stuhdatd mortgage clause, and shalt nasa payee. Lender shall have the right to-hold the: policies: and -rés promptly give te ‘Lender al receipts ‘of. paid. premiums and renewal nolieg coverage, not otherwise’ required. by Lender, for damige 10, or destruction Of, Wie F standard tortgage clause and shall natue Lérider as- mortgagee and/or'as wn addidot Jn: the-event-of Toss, Borrower shall ‘prorope. notice 0 the. insugance carrier @nd 14 los if not made promptly. by Borrower: Utleas Lender arid Batrower otherwise ag “its whether ‘of not ‘thé nnderlying insuradce wos required by Lender, shall be applied to rest if the restoration or Yepalr 1s économicalty Seueible and Lender's: security 1a” not 14 restoration period, Lender-shall shave the -right to bold suel insurance proceeds: tanith insgect such “Property to ensure the work has béen cainpleted to ‘Lender's satisfaction, pr be undétaken promptly: Lender thay-disburse proceeds for the repairs and restoration.in 4 sing! grower tia yarded by Lenider-undder this Section 3 shall 3 santa: ghall bear interest atthe Note rate f to Borrower requesting. uf Extension of Credit. The insurance carriet ‘providiig the insurance ere righ approve Borrower's cholte, which right shall not be exercised manection With this Bxteasion of Credit, eltuer: (a) x pne-time jag services; or: (b)' a-cnetiné charge for flood save : cing réntappings o7 aimilar changes. cocw. which: sh he Fesponsiblé for the payment of any fees. ehh the review of arly fledd Zone determinacon. ya Sn: form of insurance | policy. sballliclude » ‘TRRAS HOME EQUITY SECURITY INSTRUMIMT (Fist Lien} Faanie Mae/Preidic Mas UNIFORM INSTRUMENT = Fores $044.1 WOE (rev. 10008) pane 5.37 15 pages}work is completed. Urleys an agtecniont jg made in weitingor Applicable Law tequires- interest ance procéeds, “Landét ‘shall not be reqiited to pay! Borrower any interest or: earnings on ich ablic adpusters, or other thind parties, retained by Borrower xhall not be paid out ofthe insurance proceeds es afl be ‘the dolé Obligation of Borrower: TW the restoration. oF, tepait is not economically: feasible.or Lender's: security Cd aif be: lessened, the. Instance proceeds. shall be applied’ to the sums secured by this Security: Instruitient, thé excess, if any, paid 1 Bocrower, Such Insurance proceeds shall bé-appiied'in the order whether. 4¢--fot then due, with S If Botowsr a & the Property, “Lender may file; negotiate and settle any-tvallable insurance claim:ard related. matters, If é stor respond. widtin 30 days to-a-notice from. Letder that the igsuranice cartigrtiay-offered to séttle. a..claim;: tht der hay. and settle the: claittt,, Thie 30-day period Will begin when the notice ig giveni-In either event, or if Lender: acquit : under Section 21 or otherwise, Borrower -bereby assigns to Len Bottower's rights 10" amy §\ in ‘an amount sotto exceed the amounts tinpeid under the: Noté or this nd ya B “aight (other tian the 'fighi fo ay refund of wiiédimed premiunis paid by: Borrower) wader all insurance polisits-cover dig the Property, insofar as such righthate applicable to the coverage of the: Property, Lender. may--use ‘the Afts -procéeds either to yepair of restore the Propertydr-to:pay: amounts unpaid: a Property ag Borrower's Texas homestead ‘and shall, continue to st die year after the date of:this Security Instrument, unless unreasonably. svithheld or unless extenuating circumstances ‘occupy the Property as Borrower's Lender othefwise agrees in writing, whith exist which are:beyond Borrower's contol): . . oo . . 2. Preservation, Maintenance: 2 ectignr Of she Property peciiohs, ‘Borrower shall not ‘destroy, damage ‘ot -impait the Property. allow the Propaatyt iss paste ob the Property. Whether or not Borfower is: residing 4a the: Property; Borrower". sliell mutrta in grder to prevent the Property from detériorating or dectéasinig’ in’ Value. due. tits condition... -Unles: Spars sclicin-S:that repair or restotation:is not economically fearible, Borrower sltall prompay rep: P furthér deterioration or damage, 1? insurance ‘or condemnation procesds are paid ineomqestion with t ‘of, the: Property, Borrower shall be. responsible ‘for! repairing Or restoring the Properry only if jugods for such purposes. Lender. may ‘disburse proceeds for’ the repairs “and: restoration in-a-single pay £ inva scbies of progress payinents as tho work is” ‘completed. If -the inaurence or condemnation proceeds ard por’sutficient to Te tore the Property, Borrower isnot relieved of Borrower’s obligation for ihe completion of such repair orrés oe ~ : Lender of Ms “agent. may: make ‘feaigaible entries upon and insp BSA iyg If ix bas teagonable.cause, Lander may inspect ‘the interior of provementa-on the t é Borrower notice at the time of oF “prior 10 such an interio# inspection specifying such reasonable ase. |: 8. Borrower's Loan Application, Borrower's acdons: shal¥ consti EVI of the Texas “Constioutlon and Borrower shalt ‘bé In default and: by ‘the’ Note ‘and ‘this Socurity.; Instrument if, ‘during ; the-Loan -applical acting “at, the ‘direction of Borrower ‘or. with Botte" knowledge: “61 inaccurate Information or statements'to Lender (or'fell the Loan or. any-othier action or inaction that isd limited’ t0,, representations. coucerning Borrower's occupancy: of the: and warranties comalned in the Texas-Haine Equity: Affidavit and agn fair market value of the property a8. described fit Sectioa 27... : - 9: Protection: of Lender's: Tateres! inthe Property ‘and Rights Under this fails to perform the covenants and agréenienty’ contained in thls Security Instrument, {b, Tight significantly affect Lendes’s interest: in the Property ‘audfor sights ‘under: this: S y ‘phocesding in. bankrupiey,’ probate, for condemnation or “forfeimre, for enforcement of a lien bic it, and 2 orm S444 1704 (rer, 10103). - Raia Ss OF LS pagenyover this Security tnstrimeut or 00 enforce laws or regulations), oF (¢) Borrower has ebandoned the Property, then Lender € wihatéver ie Tesponable-or appropriate to protect Lender's interest in the Property and rights vider this Security “Testpuftenty “including protecting: and/or asseysing. the value of the Property, and securing and/or-repairing the f fs action’ can: include, but are not jimited-to: (e) paying any sums secured by a Tien whicli-has priority ing. in'coury-and (c) paying reasonable: attorneys” fees. to protect ita totevest inthe fy: Instrumiént, including ite secured position ia a-bankruptey proceeding. Securing: ud to, entering:the Property to make repairé, change'locks, replace or boatd-up doors anid -windolys, in: “wate ff, pipes, elitinate “building or -otier code: violations or dangerous: Conditions, and have ough Leider may take action :under. this-Seotion 9, Lender. does not have to, dé a6'and'is not undet: aay. “duty “ot—o fon too ad. It 48 ngrecd. that. Lender. incurs ‘no Tabiliry for riot lakdng any or.all actions authorized under this Section:9 vege Wee granted by Borrower to Lender or Tuite that would vielate provisions of the Texas. Goumtitition: gp Dales OF -Crodit as: defined by"Secti6n 50(e}{6), Article XVL of te Texas Any amounts disbifsed by Sonurity Enstrunrent:: These amounts, with such interest, upon nodce fyoth. Ls “Uf this Security Instrument Js ‘acgiires fee. title -to “the: Property, th writing. : : 10... Assignment: of “Miscellanestis shallibe paidto Lender: ‘Ifthe Property: is, daitiaged, such the -cestoration or ‘repair is economically feasible and Le period; ‘Lender shall. have ‘the: right to hold such Miseé ns auch: Property -to. ensure the work has: Been compfeted-to: Lender's: iindertaken promptly: -Lendéeinay’ pay “for the repels. anid reste ft payments .as the work is completed, ‘Unless an agreement seri ‘oiv:auch Miscellaneous. Procests, Leider ‘shall “figt be Misvellarients: Proceeds, If the restoration of ropiiir is: not eCos ally she "Miscellaneous Proceeds ehall: be applied to the. sums stoured by ta Z the excess, if any, paid to Borrower. Such Miscellaneous Proceed shalt’h Ta the: eyent of & total -taklag)‘deseruction, or Joss:!in valde of the applied to. the. sums -sécuféd ‘by this Séeurity: Instrument, whether ‘9 ‘Borrower. oo . : : In. the event of a:pariial taking, destruction, ‘or loss in value of the Property. immediately before the: partial:taking, destriiction; of loss: inva sums ‘secured “by this Security InstrumeteImumiedlarely before the. pata Bortower and “Lender ‘otherwige agree in: writing, tig: gums sequired by this Security amount. of-the:- Miscellaneous ‘Procesdy multiplied .py- the following fraction: @) 9 immediately, before. che. partial’ taking, -deatrvotion, or loss it value divided by: immediately before the partial taking; déeiruction, of lose-in value. Any: balancé ehall:-be. a Tn the-event of & partial taking, destruction, ‘or Toss i value of the Property: in whigh the 1 Progierty: immediately, before. the ‘partial taking, destruction’, or lose itt value is legs. thaNheaimo immediately. before the partial waking. ‘destruction, or: loss in value, usless Borrower asd Lenae writings. Ihe. Miscellaneous Proceads' shill. be applied to. the sunts.éecured by: this Security. Tnsy sajas'ar6 thew. due, : e Tae wales: Yais-“Seetion: 9 dhall become additional debt of Horrower secured by this a the Note rate from the date of disbursement -and shall be pavable, equesting payment.” - : oo a Yer shall comply-with. all the provisions of the lease. If Barrawer title shall-hat merge unless Lendet agrécs'to the merger'in éellancous Proceeds‘are hereby. agsigned to. and 0 to jéstoention or repair of die Property, if revo nn oo KE “TEXAS HOME EQUITY SECURITY INSTALMENT (Fir Lie)-Famie Moa Freddie May /NIRORM INSTRUMENT Borne 3044.1 VOL Govt 10/03): age Fo IS page)“offers to make ap award to sétile a clan for: damag p-pétolacion os repair of she Prog "Opposing Petty" mexns tho third petty nedus Proceeds. wider - other \ indebtedness secured: by a prior Valid gadoned “hy Borrower, of it, -after. notice by Lender 1 .Bortower that the Opposing: Party (as f Borrower fails to repond to Lender” fret the date the--noticé-is given; Lendet We.audiorized'to collect aad apply.the Miacellangous Proceeds ray oF tG fhe jums scoured by this Socurity. Instrument, whetlier or, nor then due, uit owes’ Hacrower Miacellanenus Proceeda or the party agilast whom Borrower ~ f any action ‘oF proveeding whieh ts not coinnienced Be eresult of Borrower's defautt ehoumbrancé-against the homestead, whether civil :or criminal, is: begin that, Db Lender's jedament, 26bld result ‘foitelnure of che-Property’ of other. material inipelmieat of Lender's interest it “the! Property or righe, wide écuri truiiient: Borrower can cure pict a default and, ifac eléralion has: Lender's judgment, pro \Property or other material impairment of or rights under: this. Steyry. Instrument; - Snbpainment of Lender’s interest'in tie Prope All. Miscellaneous Proceeds. tha provided for in Section 2. 1s. Borrower Not. Re modification of .amoftization of the 4 Sugcessor'-in Interest of Borrower. 8 Borfower: ‘Lender shall. not’ be: require refuse: to extend’ time for. payment. of dthesxis reason of any demand: matle.-by ‘tte origina rion Lender ‘tn gxerctsing. any right or. remedy: including, persons, ‘entities. or -Snecessots in Lnterest of, Borrawers of-or preclude the'exercise of any:right or remedy. “12, Jotnt and’ Several Liability; Seeurity: Exstre covenants’ anid agrees that Bortawer's obligations and liabiliss this’ Security Insmrument'but does wot execute the Note: (ay convey thé.-pérvon's intetest in’ the Property ‘utder: tho: tering. requirements of Section. S0G@(6)(A), Article XVI of the Texas ‘By this’ Security’ Instrument’ and is not to :be- ‘considered 4:66 establishes. a voluntary. Ji and ‘each owner's spouse; -and 4d). agrees thet ‘Leder and Borrower ¢a accommodations with regard tothe terns of the Now, Subject. to .the provisions of Section 17, any ‘Succeisor In Invarost of poder this Security ‘Tnstrament fm. writing: ‘ind is approved ‘by Lender; ‘s a andet this Security: Trstrument, Boriower shall not be: teleased. from Borrowe ‘Secutity Instrument wiless: Lendér: agrees to such: -relenie ‘in’ writing, The cowge afi Inscrurnent shall bind (except as providad:in Séction 19} and: benelit.the successors: dad aeftgns af: 13, Extenslon of: Credi¢ Charges. Lender may’ charge: Borrower fees for tervicgs’ perio ‘Horrower’s default, for; cia: purpose. of -procecting -Lander’s jaterest. {iV the. Propérty/ an, Instrument, ) any suas sheady collécted’: ‘from. Portower whith iced given. by. Bortower or Lender in céthection with this Security instrament roust bE. jx Connection with this Securlty Instrument. shall be denied to have been given to a sé wfaik.gr when actually delivered to Borrower's notice: addvens if sent by other-meais. Notice to: any one -Bornower‘ shal HquOs notice t0-all Borrowers unless Applicable Law expressly tequires otherwise. alk be tt ress utiless Botrower has designated a substique notice address by notice to der. of Borrower's “change of address: If Lenider specifies a procedure for fepdtting. Borrower" 3: ‘diaage ‘of addpesa, Jen Borrower. shall, oaly report a change of address-through: tha provedhire.: ‘There may be only a ie ‘nodes address under.this Security Instrament de.any ons time, ‘Aay. notice to Lender shall be -given.by,.d by mm it ‘by: firse class: mall (out; by certified-inall if the notice Is given pursuant to Section 19) to. Lender's address stated in unless “Tender. has desigtiated another address by notice to Borrower: “Any ‘notice in connection with shis Security Ths riént shall not be deemed t6-have been given-to Lender-unci. actually received by Lender: 1f any uo} ice required by Inathiment'is alsg required under Applicable. Law, the Applicable Law requirement will satiefy\dhid.corresponddidg eiumee is Security: Instrument, 15. Governing Lavy. Severability; Rs P ty Instrumens.shall.be governed by. federal “Taw and: the Jawa of Texas. Alb tights-and dblig is and limitations of Applicable Law. ‘Apolicablé Law mi might be ales, ‘gut sith silence Shall not be ‘const the parties to agree by‘contract or. it ent by contract: Inthe event:that any A Law, such tonflict sitalt not affect other provisions ‘of this Security. Tnstrument orthe Note which éct wi iovh the conflicting provision..." LAS used tn this Security Tathument: ca) words ot thie ptasey gender; OH mean’ aid include corresponding neuter. q :ghall migatt-aadin tude the plural ned vice were aaid (e) the word: “may” gives sole discretion without aay’ obligation: to tale any’ 16. Borrower's: Coples.:Boitower shall -be’ piven at: dye bis Basen af Credit iavade, a copy of all: documents sighed by Borrower. selated to tlie Extension of CrediQ, 17, ‘Transfer ‘ofthe Property or a Beneficial Interest in Borphwer’: this Sectian. $7; interest i inthe Property": means. acy ‘legal: or beneficial: imerest'in the Property, inolidifg, but: imted:to;: those transferred ‘ina-bond fox deed, contract for deed, ingtallment sales contract oreser sreere transfer of title by Borrower at a furure date 10 a: purchaser, ‘ if AW ‘or any part ofthe Property or any Interest inthe Property’ i ohiar t persot -end' a ‘benoficlal ierost’ id Borrower 3s sold-or transfered) without Lender's require tmiediats: payment in full of “all. auinis. s¢oured. by this Security: Tniatrujned exeroised by Lender if such exercise Is protilbited by Applicable Law: If Lendey- exeveises: this option, Lender shall give ‘Batrower. notice: e of not Jess than 30.day#frowa:the date the notice is given in accordance with ‘Seetion'14{ tie all: gums: Securéd by this Security. Instrument. If Borruwer, falls ¢-piay dese auins pride ta Letuler may invoke any remedies: permitted. by-thig’ “‘Seourlty Instrument without furter mptide os dems Borrbet Ted. ow bile Ke. Toxad wor squerY SECURITY: ESTA SN (tr Life Nae ee ie UNORM GOREN . Foray 04 0 13) IS page, pis refund. by. making axpaymient:| 16 Borrower. . especfied ngimument, ae 3 subject to any requirements: - cial: inndhests .18\: Bortower's Right 4o Reinstate.After. Acceleration. if-Rotrower thevta cértain conditions Borrower shall have.’ i Aforcefment: of this Security Inswuient discontiied at any time: pelor to’ the earliest of: (a) five days Property pursdant wo any power.of sale contalned: in: this Security Instrument;-(b) such other period as i : vernitts rigft ta.Feinstaiey-of (c} entry of a} ent enforcing this f Ic 0 ! pays Leader all-sums which then-would:bé:due under this: Security Tastfuine ‘Note 43 ib nd acceleration. trad: accurred; (b) curée tiny défmult of any otber-covenants or agreement efar ab allowed by'Section 30¢a}(6); Article XVI oF the. Texas Coastinition, incurred :- in exforc’ fit, indluding. but not litited to, retsonable-anomneys"'fees, property inspection and valuation ep for the purpose of protecting: Lender’s-intivest {n the Property and rights und f this Security. Ins k bh action. ag: Lender:may reasonably require toi asgure that Lender's injerest i the Property and. : es instrument, and Borrower's obligation to pay the sums-aecured by this Security”. Instrumente, shall eottinue unchat ay require. that Borrower pay such reinstatement ‘Suing ‘and expensed in one: hy Lendet:: 2)’ cashy. (o)-money-order} (0) certified check, bank check. teasurer's: check ‘or castle dict ‘apy such check Is dtawt pon en instipitlon whose: deposits ate insured-by a. federal agency, insmumendiry: or entity, of (¢ (Electronic Funds Transfer. Upon reinstatement by. Borgoiver, this Security. Insrrumentand- obligations: secured Jetebyshall remain fully. effective as if no -goceleration'tiad ocdurred, However, this tight co: reinstate shall not’ apply ine case‘ of acceleration under Section SF. SS Lets “19. Sale,.of Note; Change 92“Toan 8 otive of Grievance; Lender'’y Right-to-Comply. ‘The. Note ora - partial interest. in the Nore (together wi 9-Se Siyument): can be’ sold che of more:times without prior nolice to Borrower, -A'sale might result ina change ‘Bervicer")-that collects Periodic Payments due ‘under. the“ Note-and ‘this’ Sesurity. Lostn sligati _ Security Instrument, “énd: Applicable J sale of the Note. IF there.is a'change of the state the namie and address of the new Sioa information RBSPA ‘requires-in Connection Wit @ Extension. of Credit je “serviced by. a, Laan Servi obtigatious. “Borrower will. remain. with the “bo agsumed by the Nom purchaser uniegs otherwite pro} ‘Neither ‘Borrower nor Lender may commence,. ‘Of the member of a ctass) that arises from the other p the other. pamy bas. breached any: provision. of, or Bortower. or. Lender hag notified the ‘other party-(with. x 14) of such ‘alleged: breach and afforded the ether-party-hereto gprrettive dction, {f Applicable. Law: pravides atime period wii ‘Berlod: will Ye deemed to be reasonable for putposes. oF this paragtaphs of the: Texas! Constitntion,-generally provides that.a lender fas 60 days’ 6f credit after:being-nolified ‘by 2 borrower, of a. failure to comply: with ai opportunity’ to. cure. given 10 Botrower pursuant to Section 21, snd she non Section 17 shali-be deemed w satisfy the notice and-opporminity ta take car te ig Lender's and, Borrower's’ intention -to- conform sstrictly to pro Exténsions of Credit ad defined by Section 50(a}(6); ‘Article XVI of the Texas oa, All “agreements: “between: Leader “and ‘Borrower aréheréby expressly limbed a thgtds Doeye = Constinedan applicabié 19 between Lander “and forrawer,, or, betwee either-of them and any-third party. Begoristrued naNG ; 80 days: after geceipt of notice ta comply, as provided in-this Section 19, sith Lender's obligations: the “fill extent permitted by Section S0(a)(6). Article. XVI .of ‘the Texas Consiiautl Extension. of Credit is. bélig made onthe condicon that Linder shall bave 60-days after the “provisions of Section 30a 6) ArtiCle. XVI of che Texag-Conginudion!: Asa precanditio! ‘on failure of ‘Lender. to. comply,."Borrower will. advise Leader ‘of die noncompliance by angtice Section. 14, und will) give, Ledder 60. days after such-totice hug been received ‘by Lerider to comply, required:"by Applicable Law, only after Lender hax teceived sald notice, has had 60 days to comply, and Lone BNE Dy ATiCH «o'ebinply, shall all principal anc interest be forfeited by Lender, au requuinéd by-Section SXa)GNQD, F Texas Coristitution annection. with failute by: Lender 40 coniply with its obligations under this Rxtox ion OF Ci Borrower will: eooperite:,in reasonable : efforts. to correct any failure by Lender, Vbaf the Texas Constioution. . Des : . ‘TEXAS HOME EQUITY. SRCURITY INSTRUMENT: Fis Lien Pune Moed¥redelé blac UNTPORM INSTRUMENT id.1. 101. rev. 10403) "Giage'l0 of {4 wates? rem age OO. eyday reason. whatsoover|: any “obligation of Sotrovier or of Lender. spursitehi to.the terms ar equirement hereof or -6E ny “other Joan document: shalt be. ‘construed. to. violate any of the provisidas of the ‘Texas’ applicable 10 Extensions of Credit da defined by Section $0¢a)(4); “Article XVV of the ‘Texas Constiration, thes. any: such abl the provisions of thig Séction 19, and the document muy be reformed, by written from | asty of the. execution of any-amendinenl or new. dooameat by Borrower, 99 that so E af shyt be thodified 10 conform tothe Texas Constitution, and inno event shalt Bortawer or Lender Be obligated tc: partOxin_atty: act, of be boutid by any requirement: which: ‘would sonflice therevetth Alf agroements:heewéen Letter and Borrower are expressly limited 86 that any interést, Bxtension of Credit cbiangs. or fee collected: 0} plktted- (other tap payménc of interest) from Bofrower, any ownsk or the spouse Of any omAler % on, evaluation, maintenance, :pecatding, ' insuring. of rervicing: of the the highest amount allowed by Applicable Law: This: he” express Q Borrower to structure this Hxteasion of Credit to ‘gonform to the provisions. of the “Texas. Constitutiont renslons::6f Credit: as defined by:Boxtion 50(a)(6). ‘Article XVI Gfthe Texas Constitution... -fromi-any Sireuims arice atsouver, ‘any (promise, payment, obligatioa ‘or pravision of the: Note, this stt0a at javolving “this Extension of Credit ‘trangceitds the linnie of velliry et e: , obligation br. provision shill be reduced. to the limitof sich validity, or “eliminated ‘as 2 requirement i ‘for Borkp Nnece with such law, and ucts Socument may be reformed, by writen = nove from: Lender. withont -he- aecessity’ Brovision. of this Section $9 will a ean Ry INCOT 20. ‘Hasardous Substances, As. used. in thts sosie of! Hazardous substances, olan or wastes ; by z this Security Instrument. : bstancea’- are those substances definéd as. antk the following substaiices: gasoline, eldey! volatile solvents, materials micans. federal tawa ani tawes of: ania itictuds any. espende- action, remedial action; of rer “Environmental. Condition” meéans: a condition that'can tase, Cleanup. ‘Borrower shall ‘Rot. calige. or permit-the présence, use, dispasa threaten’ to releasé: any Hazardous Substances, on of iivthe Property. anything affecting ‘tie Property (a) that 15. in ‘violation of any Environ Condition, or (c), Which, due:to the presence, use, oF release of a Hazardo affects. the: value.-of the Property, ‘The. preceding twa. ‘sentences-ahall yot' Property of smal} quantities of Hazardous Substances that are generally reodgalz uses and 00 inaidténadce of the Property-Gncluding, buf not limited to, ‘hazardous substapoes > jBorrower, shall prompdy (give Lender wrleten node’ of {a) any investigation, ol by -any':goweniimental | or regulatory agency. of private, party’ fiwolving the Propeny aniLan Environmental! Law of which Borrqwer has-actual knowledge, The. sale mot begin at the:-time'stated in the: notice of gale of tat, ater: than three hours afer tt ine as Setyed i gf 10 a.m: cad’ pct, om the Gist parcels: atid in aby order ‘Trustee determines. Lender ior lis design’ witha the Property y at any sale, ithe event of any ‘conflict. benween: such “procedure and: tho: Ruler, the “Rules shal nd 2 reformed to tie extent necessary tocomply.. -” . Trusies: shall ‘Meliver wo. che. purchaser whe sciuires tithe. to. the’ ore sons ein. covetants ait, agrods co defend generally. die purchaser’ s Tides the’ Pony ‘apaliise 4 in the Trustee's ‘deed hall be prima facie. evidence of dié truth of the statements aiads Herein. 2 proceeds of the sale ‘in. the following order: | {a):t0 all expenses of the sald, inching, sore 1 .CON reasonable Trustee's and attorneys’ fees; (b). to: all suns seoured by this Security Inser a ‘pefsox or persons-legally entilled-to it, . If the Property is: sold: purguatit to this Section 22, Bortower ‘or any person through’ Botrower shall’ ‘mamediately surrender possession of the Property. to-the purchaser at e -gustondered, ‘Borrower. oF puch person shall be & tant it sufferance and may- be removed DY wH ‘court proceeding, TEXAG HOME EQUITE SECURITY INSTRUMENT (Fish Liou) Yaarle Maw Freddie MaSUNIRGRM INGTRUMENT. “Patan 30461 Tat oe ‘1003) . “ee ° page LDF 15 pated):hin: 3-feasonable tine after tereutiation and full payment of the Extension of Credit, vende? anatt canéel’ and: renirg the Sete 10/ the owner -of -the' Property’ and give:the owner, in tecordable, forms. a Feleast of the lien Extension of Credit or #: copy. of an endorgement of tlie Note and assignment of the lien to a lender that i8 ‘ensibn of Credit: Owner shall pay only recordation. costs. OWNER'S ACCEPTANCE OF SUCH .-/OR:. ENDORSEMENT AND. ASSIGNMENT, SHALL: EXTINGUISH ‘ALL. OF. ‘LENDER'S OBLIGA IR SECTION 50Xa)(6); ARTICLE XVLOF THE TEXAS CONSTITUTION 24. 5, ACender ‘shall be subrogated to” any. andvall rights, superior: tine, liens and equities ‘owned or: ownét or Holder of ‘any. tens and debts ‘outstanding inmiediately prior sgrexeoution hereot,. - Tegardless 0 3 eSitg are-acquired by Lender byt assignments or are. released by'the holder thereof upon payment. ibility: described. below, each person who signs this: Security Tatruntent is e's promises and. obligations in the: Noté and this Security Adstriment are performed. Borrower uadersiatdy that sention’ Ma)(@(C}, Article XV1 of the Texas Constitution. provides.that'the Note is given: ot the Property anid: aghinst the spoust ofeach owaier unless’ the Owner Or: . This means thet, absent such actual fraud, Lender can enforce, its” Rroperty-and: fot personally: against the owner of the Property or Spouse obtained thts Extension 9 rights. urider: “tis. Security ‘Insfs the spouse of a cwner, - . : Tf this Extension of Credit is obtained actul flac, then, subject io Section 12, Battower.will-be persotally Hable for’ the payment :of any’ ‘amounts. (due eae 3 or this “Securi crute a judgment ‘could: be obtained against B é pr faile-ts, B pon 6 this Security Instrument, Including a jidg ~ amoiint fess than ie owing ander the Note, thereby-s If not -proliitited by: Section SOCMENCY, ‘antile any. wary: the-lien of this Security Tastrument or the ri Instrument ot prejudice the right of Lender 3a to-a t °- °25; Proceeds, Borrower has. not Deen: reuuiiced toa debi except a-dubt secured by the Propery of débr-to snother’ 26. No ‘Assignment of Wages. Borrower. hds-not 8 fe Tt. Acknowledgment of Fair Market Value, Lender and B thé thir iarket-value of: Borrower's Property:on the date the Exteatio 28.. Substitute Trustee; Trusted Liability, All-rights,-reimddiés: and J atee und may ‘be exercised or perforred. ‘by one or mote trustées-atting alone or togester: ; Lender, ‘option and witht Ot Withow: cause, thay’ from time ‘to- time;. by’ péwer “of attorney or-otherwite, renlove or substipas tras one of more trustees, or ‘appoint. & successor trusiee to any Trustee without the ne ali ee by: Lender:'in writing;. Without. any further: act ot conveyarice of the Prope shall become ‘vesuéd. with the tide, righty, remedies, powers | and dutles cont Law: Trustee shall fiot be able if acting, upon any noticé, Tequest, consent; ny by ‘Trustee to be cortect. Trustee shall ot he Hable for:any act or ‘omisston vnless a Collateral. Borrower and thie Security Tnstrattient:. y ension ¢ | of Credit to: repay: another : default: (B) provide for’ aduitional collateral; and/or {c} & actual: fraud), for, che,“Extension’ of Credit, - This:-walver collateralization; (). furire ‘indebredness; @) Gross default: and/or te} ‘dragnet provisions Lerider ween he. "Texas monte RQUITY SECURITY TRTHURAENT cre van ii UNTO NRE : " Worms 3044:1 4/01 (reve 2008), . : age 23 OF 15 pagesi Borrower accepts and agrees to the terms-and covenants contained in this Security Instenment and in any Rider executed by Borrower and recorded with it, {DO Xo: BLANKS LEFT TO BE COMPLETED IN THIS DOCUMENT. THIS AT THE OFFICE OF LENDER, AN ATTORNEY AT LAW OR A RECEIVE -A COPY OF THIS DOCUMENT AFTER YOU HAVE YOU MAY, WITHIN 3.D: ‘ CLOSING, RESCIND THIS EXTENSION OF CREDIT WITHOUT PENALTY OR CHARG ON Kitli, Kamumah: BRUCE KAMINSKI jorrawer} KIRSTEN KAMINSEI (Borrower) (Borrower) (@orrower) {Borrower} ‘Bortawer) [Space Below This Line For ent] -——~~~-—---~—-~ TEXAS HOME. EQUITY. SRCURITY INSTRUMENT (Firat Lian)-Panple Man/Froddle Mag UNISORM INSTRUMENT Fora 3044.1 101 (rev. 10/02) (page £4 of 13 pages)io of person or persons acknowledging), Signature of Office safle 6 ‘TEXAS HOME RQUITY SECURITY INSTRUMENT (First Liea)-Fannte Mae/Freddla Mac UNIFORM INSTRUMENT Form 3044.1 LOI (rev, 10/03) (page 15 af US pages)‘TEXAS HOME EQUITY . _ANNED UNIT DEVELOPMENT RIDER ECOPMENT RIDER'S made this 4TH any of APRIL, 2007, aid is incorpoebted Into ‘and: supplement: the Security Instrument of the same date given by ie undersigned (the