Preview
Case Number:19-000071-CI
Filing # 82675497 E-Filed 12/30/2018 10:01:00 AM
State of Kentucky
County of Daviess
The foregoing instrument was subscribed and sworn to before me this December
£Cfl , 2018, by Charity M. Hood, Assistant Vice President of U.S. Bank National
Association, a federany chartered banking association, on behalf 0f U.S. Bank
National Association.
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(signatu of nota )
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OFFICIAL SEAL
TONYA EMBRY
NOTARY PUBLIC - KENTUCKY
STATE-AT’LARGE
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My Comn.
Expires 12114/2019
(D 3 547081
Edited 02/04/20 15
***ELECTRONICALLY FILED 01/03/2019 06:55:34 AM: KEN BURKE, CLERK OF THE CIRCUIT COURT, PINELLAS COUNTY***
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THIS MORTGAGE AND THE NOTE SECURED BY THIS MORTGAGE ARISE OUT OF 0R ARE GIVE T0
SECURE THE REPAYM BWT OF A LOAN ISSUE IN CONNECTION WITH THE FINANCING OF HOUSING AND
ARE B(EVIPT FROM DOCUMBJTARY STAMP TAX AND INTANGIBLE TAX PURSUANT TO SECTION
420.513(1), FLORIDA STATUTES.
Note
Florida Case No.
FHA
November 21, 2014
[Dare]
10269 121st Ave, Largo, FL 33773
[PropertvA ddress]
l.PARTIES
"Borrower" means each person signingat theend ofthis Note, and the person's successors and assigns.
"Lender" means
Regions Bank d/b/a Regions Mortgage
anditssuccessors and assigns.
2.BORROWER'S PROMISE TO PAY; INTEREST
from Lender, Borrower promises
In return for a loan received t0 eightyoe
pay the principal sum of ight thousand
thi rteen and 00/100
Dollars (UAS.$88 ,01 3 .00 ),
to the order of Lender.
plus interest, Interest will be charged on unpaid
principal,from the date of‘disbursemem ofthe loan proceeds by Lender, four
at the rate of and one-quarter
percent( 4 .250%) per year until the
fullamount of principal has been
paid.
3. PROMISE TO PAY SECURED
Borrower‘s promise to payissecured by a mortgage,deed oftrust or similar security instrument that
isdated the same da‘e
Note and called the "Security Instrument." The Security Instrument
as this protects the Lender from losses which might rcsul! if
Borrower defaults under this Note.
4. MANNER OF PAYMENT
(A) Time
Borrower shallmake a payment of principal and Lender on the first day of each month beginning on
interest to
January 1, 2015 .Any December,
principal and interest remaining 0n the first day of 2044 ,
will bedue onIha!
dale,which iscalled the "Maturity Date."
(B) Place
Payment shallbe made at Department 2520, P.O. Box 2153, Birmi ngham, AL 35287—2520
or atsuch place as Lender
may designate in writing
by noticetoBorrower.
(C) Amount
Each monthly payment of principal and be in the amount 0f U.S.
interest will $432 98
. .This amount
ofa
will be part largermonthly payment required by the Security Instrument, be applied to principal,
that shall interest and
other items in the order described in the Security Instrument.
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(D) Allonge to thisNote for payment adjustments
payment adjustments
If an allonge providing for isexecuted by Borrower together with this Note,
the covenants of
amend and supplement
the allonge shall be incorporated into and shall Note
the covenants ofthis as ifthe allongewere a pan of
thisNote. [Check applicabk box]
[:1 Graduated Payment Allongc D Growing Equity Aflonge E] Other [specify]
5.BORROWER'S RIGHT T0 PREPAY
in whole or in part,
Borrower has the right to pay the debt evidenced by this Notc, without charge or penalty,
on the first
day of any month. Lender shall accept prepayment on other days provided that Borrower pays interest 0n the amount prepaid for
the remainder ofthe month to the extent required by Lender and permitted by regulations of the Secretary.
IfBorrowar makes a
partialprepayment, be no changes in the due date or in the amount ofthe monthly paymem unless Lender agrees in
there will
writing to those changes.
6. BORROWER'S FAILURE TO PAY
(A) Late Charge for Overdue Payments
IfLendcr has not received thefullmonthly payment required by the Security Instrument,
as described in Paragraph
4(C) of this Note,by the end of fifteen calendar days Lender may collect a late charge in the amount
after the payment is due,
of f‘our
percent( 4 .000%) ofthc overdue amount of each payment.
(B) Default
If then Lender may,
Borrower defaults by failing to pay in full any monthly payment, except as limited by regulations
ofthe Secretary require immediate payment in full ofthe principal balance remaining due and
in the case of payment defaults,
allaccrued Lender may choose not to exercise this option without waiving its rights in the event of any subsequent
interest.
default.Inmany circumstances regulations issued by the Secretary will limit Lender's rights to require immediate payment in
fullin This Note does not authorize acceleration when not permitted by HUD regulations.
the case of payment defaults. As used
Note,
in this "Secretary"means the Secretary of Housing and Urban Development or his or her designee.
(C) Payment of Costs and Expenses
IfLender has required immediate payment as described above,
in full, Lender may require Borrower to pay c0315 and
expenses including reasonable and customary attorneys'
fees for enforcing
thisNote to the extent not prohibited by applicable
law. the same rate as the principal of this Note.
Such fees and costs shall bear interest from the date of disbursement at
7.WAIVERS
Borrower and any other person who has obligations under this Note waive the rights 0f presentment and notice of
dishonor "Prescntmem" means the right to require Lender to demand payment of amounts due.
"Notice of dishonor"means the
right to require Lender to give notice to other persons that amounts due have n01 been paid.
8. GIVING OF NOTICES
Unless applicable law requires a different method,
any noticetha‘must be given toBorrower under thisNote willbe given
by deliveringit0r by mailing by first class mail
it t0 Borrower at the property address above or
ata different address if
Borrower has given Lender a notice of Borrower’ s different address.
Any Note
notice that must be given to Lender under this willbe given by first class mail
to Lender address stated
ax the in
Paragraph 4(8) or ata different address ifBorrower
is given a notice ofthat different address.
9. OBLIGATIONS OF PERSONS UNDER THIS NOTE
Ifmore thanone person signsthisNote, each person isfullyand personally obligated
to keepallofthe promises made in
thisNote, Any person who is a guarantor,
including the promise to pay the full amount owcd. surety or endorser ofthis Note is
Any
also obligated to do these things. person who takesover theseobligations,including the obligations ofa guarantor,
surety
or cndorser ofthis Note,isalso obligated to keep
allofthe promises made in thisNote. Lender may enforceitsrights under this
FHA fixed Rate NotH-l Amended $0l98
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Wolters Kluw er financial Services Page 2
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Monica L Airippa
FL ~ FHA FIXED RATE NOTE
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Note against each person individually
or againstall Any one
signatories together. person signing this Notemay be required to
pay allofthe amounts owed under thisNote.
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BY SIGNING BELOW,
L Agrippa V /
Borrower accepts and agrees
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Borrower
to the terms
(Seal)
and covenants contained Note.
in this
(Seal)
-Bormwer
(Seal) (Sea!)
Borrower -Borrowcr
[Sign Original Only
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D Addendum
Refer to the attached Signature for additional parties and signatures.
Loan
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Louis
Regions
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Bank d/b/a Regions
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WITHOUT 'RECOURSE
Regions Bank dibla Regions Mortgage
/ Jo‘athan
Vice
Loukmka
President
Pay to the order of
Without Recourse
Bank National Assoctation
Li? ‘7”!-
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Paula T.- Hughes
WA fixedRate NoteFL
Vice Presudent —Wgs
Amended 10/98
VMP ® VMP1R(FL) (1 302)
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FL - FHA FIXED RATE NOTE
I#: 2014330340 BK: 18605 PG: 387, 12/03/2014 at 09:25 AM, RECORDING 10 PAGES
$86.50 KEN BUM, CLERK OF COURT AND COMPTROLLER PINELLAS COUNTY, FL BY
DEPUTY CLERK: CLKPROB
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3400 w.
Kenn'edy 3m,
Tamna. FL 33609
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Post C1os1ng epar men
Regions Bank d/b/a/ Reg1ons Mortgage
2050 Parkway Office Circ1e. RCN-6. Mafl Code: ALBH406028
Birmingham. AL 35244
This document was prepared by:
Pam A Pierce
303 Jesse Jewe1 Pwy Suite 400
Ga1nesv111e, GA 30501
(770)503-2521
THIS MORTGAGE AND THE NOTE SECURED BY THIS MORTGAGE ARISE OUT OF OR ARE GIVEN T0
SECUE THE REAYMWT OF A LOAN ISSUED IN CONNECTUON WITH THE FlNANCING OF HOUSING AND
—
ARE B(EWPT FROM DOCUMNTARY STAMP TAX AND INTANGIBLE TAX PURSUANT TO SECTION
420.51 3(1 ), FLORIDA STATUTES.
[Space Above This Line For Recording Data:
FHA Case No.
State of Florida
MORTGAGE
THIS MORTGAGE ("Security Insu-ument")is given on November 21 , 2014
The Mortgagor is Monica L Agr1ppa. An Unmarried Woman;
,whose address is
3269 Havfland Ct Apt #101. Palm Harbor, FL 34684
("Borrower"). This Security Instrumentisgivento Regions Bank d/b/a Regions Mortgage
which isorganized and existing under the laws of State of A1 abama ,
and
whose addressis 2050 Parkway Off‘l ce C1 rc1e . 81 rmi ngham, AL 35244
("Lender"). Borrower 0wm Lender the principal sum of
eighty-e1 ght thousand thf rteen and 00/100
Dollars (U.S. $ 88 .013 .00 ).
This debtis evidenced by Borrower s note dated the same date as this Security Instrument ("Note"),
which provides
for monthly payments, with the full debt, if not paid earlier,due and payable on December 1. 2044
. This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the
Note, and
with interest, allrenewals, extensionsand modifications of the Note; (b) the payment of all other
sums,
with advanced under paragraph 7 to protect the security of this Security Instrument; and (c) the performance
interest,
FHA FloridaMortgage-4196
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HORTGAGE
FL - FHA
PINELLAS COUNTY FL OFF. REC. BK 18605 PG 388
of Borrower's covenants and agreements under thisSecurity Instrument and the Note. For this purpose,Borrower
does hereby mortgage, grant and convey to the Lender the following described property located in
P1 ne] Was County, Florida:
Lot 12, Block 12,ORANGE LAKE VILLAGE, according to the Plat thereof, recorded in PlatBook 36, Pages
65 thrOugh 67, of the Public Records of Pinellas County, Florida.
Parcel ID Number:
which has the address of 10269 12151: Ave r
[Sum]
La rgo Flo’rida
{City}. 33773 ("Property Address”);
[Zip Code]
TOGETHER WITH allthe improvements now or hmwficr exacted on t’he
propeny, and alleasements,
appurtenances and fixtures now or hcreafier a part of theproperty. All replacements and additionsshall alsobe
covered by this Security Instrument.
All of the foregoing is referred to in this Security Instrument as the "Property."
BORROWER COVENANTS that Borrower is lawfully seized of the estate hereby conveyed and has the right to
mortgage, grant and convey the Property and that the Property is unencumbered,
except for encumbrances of record.
Borrower warrants and will defend generally the title to the Property against all claims and demands,
subject toany
encumbrances of record.
THIS SECURITY INSTRUMENT combirm uniform covenants fornational use and nomuniform covenants
With limited variations by jurisdiction to constitute a uniform security instrument covering real propcny.
Bonower and Lender covenant and agree as follows:
UNIFORM COVENANTS.
1. Payment of Principal, Interestand Late Charge. Borrower shallpay when due me principalof, and
interm on, the debt evidenced
by the Note and latecharges due under the Note.
2. Monthly Payment of Taxes, Insurance and Other Charges. Borrower shallinclude in each monthly
payment, together with the principal and intawt as set forth in the Note and any late charges, a sum for (a) taxes and
specia! assessmentslevied or to be leviedagainst the Property, (b) leasehold payments or ground rents on the
Property, and (c) premiums for insurance required under paragraph 4.1n any year in which the Lender must pay a
mortgage insuranqe premium to the Secretary of Housing and Urban Development (“Secretary“), or in any year in
which such premium would have been required if Lender still held the Security Instrument,each monthly payment
shall also include either: (i) a sum for the annual mortgage insurance premium to be paid by Lender to the Secretary,
or (ii) a monthly charge instead of a mortgage insurance premium if this Security Instrument is held by the Secretary,
in a reasonableamount to be determined by the Secretary. Except for the monthly charge by theSecretary,these
items are called "Escrow Items" and the sums paid to Lender are called “Escrow Funds."
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FL - FHA MORTGAGE
PINELLAS COUNTY FL OFF. REC. BK 18605 PG 389
Lender may, at any time, collect and hoid amounts for Escrow Items in an aggregate amount not toexceed the
maximum amount that may be required for Borrower's escrow account under the Real Estate Settlement Procedures
Act of 1974, 12 U.S.C. Section 2601 et seq.and implementing regulations, 12 C.?.R. Part 1024. as they may be
amended from time to time ("RESPA"), except that the cushion or reservepermitted by RESPA for unanticipated
disbursements or disbursements before the Borrower's payments are available in the account may not be based on
amounts due for the mortgage insurance premium.
If the amounts held by Lender for Escrow Items exceed the amounts permitted to be held by RESPA, Lender
shall account to Borrower for the excess fimds as required by RBSPA.If the amounts of funds held by Lender at any
time arc not sufficient to pay the Escrow Items when due, Lender may notify the Borrower and require Borrowet to
make up the shortage as permitted by RESPA.
The Escrow Funds arc pledged as additionalsecurity for allsums secured by thisSecurity Instmmcnt. If
Borrower tenders to Lender the payment of all such sums,
full Borrowcr' s account shall be credited with the balance
remaining for all installment items (a),
(b),and (c) and any mortgage insurance premium installment that Lender has
not become obligatedto pay to the Secretary,and Lender shallpromptly refimd any excess funds to Borrower.
Immediately prior to a foreclosuresale of theProperty or itsacquisition by Lender, Borrower‘s account shallbe
credited with any balance remaining for all installments for items (a), (b), and (c).
3. Application of Payments. A11 payments under paragraphs 1 and 2 shall be applied by Lender as follows:
F__irst, to the mortgage insurance premium to be paid by Lender to the Secretary or to the monthly charge by the
Secretary instead of the monthly mortgage insurance premium;
leasehold payments or ground rents,
special assessments,
§_______econd, to any taxes,
and fire, flood and other hawd
insurance premiums, as required;
111g due under the Note;
to interest
Fourth, to amortization of the principal of the Note; and
m_h, due under the Note.
to late charges
4. Fire,Flood and Other Hazard Insurance. Borrower shall insure all improvements on the Property,
whether
now in existence or subsequently erected, against and contingencies,
any hazards, casualties, including fire, for which
Lender requiresinsurance. This insurance shall be maintained in the amounts and for the periods that Lender
requires.Borrower shallalso insure allimprovements on the Property, whether now in existenceor subsequently
erected,against loss by floods to the extent required by the Secretary.
All insurance shall be carried with companies
approved by Lender. The insurance policies and any renewals shall be held by Lender and shall include loss payable
and in a form acceptable to. Lender.
clauses in favor of,
Lcndcr may make proof of loss if not
of loss, Borrower shall give Lender immediate notice by mail.
In the event
made promptly by Borrower. Each insurance company concerned is hereby authorized and directed to make payment
for such lossdirectlyto Lender,‘ ins‘eadof to Borrower and to Lender jointly. All o: any part of the insurance
proceeds may be applied by Lender, either (a) to the reduction of the indebtedness under the Note and
at its option.
first to
this Security Instrument, and then to prepayment
any delinquent amounts applied in the order in paragraph 3,
of principal,or (b) tothe restorationor repair of thedamaged Property.Any appliwtion of the proceeds to the
principal shall not extend or postpone the due date of the monthly payments which are referred to in paragraph 2,
or
change the amount of such payments. Any excess insurance proceeds over an amount required to pay all outstanding
indebtedness under the Note and this Security Instrument shall be paid to the entity legally entitled thereto.
In the event of foreclosure of this Security Instrument or other transfer of title to the Property that extinguishes
the indebtedness,all right,titleand interestof Borrower in and to insurance policiesin force shall pass tothe
purchaser.
QANFL) (1302) P090 3
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MORTGAGE
FL ‘ FHA
PINELLAS COUNTY FL OFF. REC. BK 18605 PG 390
5. Occupancy, Preservation, Maintenance and Protection of the Property; Borrower's Loan Application;
Leaseholds. Bcrrower shall occupy, establish,and use the Property as Borrower's principal residence within sixty
days afier the ecution of this Security Instrument (or within sixty days of a later sale or transfer of the Property)
and shallconti ue to occupy the Property as Borrower's principal residencefor a: leastone year afler the date of
occupancy, unl Lender determines that requirement will cause undue hardship for Borrower,or unless extenuating
circumstances xist which arc beyond Borrower’s control. Borrower shallnotify Lender of any extenuating
circumstances. rrower shall not commit waste or destroy, damage or substantially change the Property or aflow the
Propmy to det rioratc, Lender may inspect the Property if the Property is vacant
reasonable wear and tear cxoeptcd.
or abandoned r theloan is in default.Lender may take reasonable action to protectand preserve such vacant or
abandoned Pro erty. Borrower shall also be in default ifBorrower, during the loan applicationprocess, gave
materiallyfals or inaccurate information or statementsto Lender (or failed toprovide Lender with any material
connection with the loan evidenced by the Note, including,but not limited to,representations
governmental o municipal charges, Borrower shall pay
fines and impositions that arc not included in paragraph 2.
these obligatios on time directly to the entity which is owed the payment.
If failure to pay would adversely affect
Lender's inter t in the Property, upon Lender's rcqucst Borrower shallpromptly furnish to Lender receipts
evidencing these payments.
IfBorrower fails to make these payments or the payments required by paragraph 2, or fails to perform any other
or there is a legal proceeding that may significantly
covenants and agreements contained in this Security Instrument,
affectLender's rights in the Property
(such as a proweding in bankruptcy, for condemnation or to enforcelaws or
then Lender may
regulations), do and pay whatever is necessary to protcct the value of the
Property and Lender's
including payment of taxes,
rights in the Property, hazard insurance and other items mentioned in paragraph 2.
Any amounts disbursed by Lender under this patayaph shallbecome an additional debt of Borrower and be
secured by thisSecurity Instrument. These amounts shall bear interestfrom the date of disbursement,at the Note
rate,and at the option of Lender, shall be immediately due and payable.
Borrower shall promptly dischaxge any lien which has priority over this
Security Instrument unless Borrower:
(a) agreesin writing to thepayment of the obligation secured by the lienin a manner acceptable toLender; (b)
contactsin good faiththe lienby, or defends againstenforcement of thelien in, legalprowedings which in the
Lender's opinion operate to prevent the enforcement of the lien;0t (c) secures fiom the holder of the lienan
agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part
of the Property is subject to a lienwhich may attain priorityover this Security Instrument, Lender may give
Borrower a notice Borrower shall
identifying the lien. satisfythe lien or take one or more of the actions set forth
above within 10 days of the giving ofnotice.
Quinn.) (1302) Paguo: 9
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FL-FHA MORTGAGE
PINELLAS COUNTY FL OFF. REC. BK 18605 PG 391
8.Fm. Lender may collect fees and charges authorized by the Secretary.
9.Grounds for Acceleration of Debt.
(a) Default.Lender may, except as limited by regulations in the
issued by the Secretary, mse of payment
immediate payment in full of all sums secured by this Secmity Instrument if:
defaults, require
(i) Borrower defaults by failing to pay in full any monthly payment required by this Security Instrument
prior to or on the due date of the next monthly payment. or
(ii) Borrower defaults by failing. to perform any other obligations contained
for a period of thirty days,
in this Security Instrument.
(b) Sale Without Credit Approval. Lender shall, if permitted by applicable law (including Section 341(d)
of the Garn-St. Germain Depository InstitutionsAct of 1982, 12 U.S,C. l701j~3(d))and with the prior
require immediate payment in full of all sums secured by this Security Instrument
approval of the Secretary,
if:
All or part of the Property, or a beneficial interest in a trust owning all or part of 'the Property,
(i) is sold
or otherwisetxansferred (other than by devise or dweent), and
(ii)The Property isnot occupied by the purchaser or grantee as his or her principal rwidcnce,or the
purchaser or grantee does so occupy the Property but his or her credit has not been approved in
accordance with the requirements of the Secretary.
(c)No Waiver. 1f circumstances occur that would permit Lender to require immediate payment in full,
but
Lender does not require such payments, Lender does not waive its rights with respect to subsequent events.
(d) Regulations of HUD Secretary. 1n tmny circumstances regulationsissued by the Secretary will limit
Lender's rights,'m the case of to require immediate payment in
payment defaults, fulland foreclose if not
paid.This Security Instrument does not authorize acceleration or foreclosure if not permitted
by regulations
of the Secretary.
(e)Mortgage Not Insured. Borrower agrees that if this Security Instrument and the Note are not determined
to be eligiblefor insuranceunder the National Housing Act within 60 days from the date hereof, Lender
may, at its
option, require immediate payment in fullof allsums secured by thisSecurity Instrument. A
written statement of any authorized agent of the Secretary dated subsequent to 60 days from the date hereof,
declining to insure this SecurityInstrument and the Note, shall be deemed conclusive proof of such
Notwithstanding
ineligibility. the foregoing, this option may not be exercised by Lender when the
unavailability of insurance is solely due to
Lender's failure to remit a mortgage insurance premium to the
Secretary.
10. Reinstatement. Borrower has a rightto be reinstated ifLender has requiredimmediate payment infull
because of Borrower's failure to pay an amount due under the Note or this Security Instrument.This right applias
even afier foreclosure proceedings are To
instituted. the
reinstate Security Instrument, Borrower shalltender in a
lump sum allamounts required to bring Borrower's account current including,to the extent they are obligations of
foreclosure costs and reasonable and customary‘attomeys'
Borrower under this Security Instrument, fem and expanses
properly Upon reinstatement by Borrower,
associated with the foreclosure proceeding. thisSecurity Instrument and
the obligationsthat itsecures shall remain in effect as if Lender had not required immediate payment in full.
However, Lender is not rcquircd to permit reinstatement if: (i)Lender has accepted teinstatement afier the
commencement of foreclosure proceedings within two years immediately preceding the commencement of a current
foreclosureproceeding, (ii)reinstatement willpreclude foreclosureon differentgrounds in the future, or (iii)
reinstatement will adversely affect the priority of the lien created by this Security Instrument
Q-mU-l) (1302) Pogo 5
Preview
Case Number:19-000071-CI Filing # 82675497 E-Filed 12/30/2018 10:01:00 AM State of Kentucky County of Daviess The foregoing instrument was subscribed and sworn to before me this December £Cfl , 2018, by Charity M. Hood, Assistant Vice President of U.S. Bank National Association, a federany chartered banking association, on behalf 0f U.S. Bank National Association. 'e (signatu of nota ) 5mm or ra nk) (title A - m OFFICIAL SEAL TONYA EMBRY NOTARY PUBLIC - KENTUCKY STATE-AT’LARGE ‘ My Comn. Expires 12114/2019 (D 3 547081 Edited 02/04/20 15 ***ELECTRONICALLY FILED 01/03/2019 06:55:34 AM: KEN BURKE, CLERK OF THE CIRCUIT COURT, PINELLAS COUNTY*** u , ' . ‘ THIS MORTGAGE AND THE NOTE SECURED BY THIS MORTGAGE ARISE OUT OF 0R ARE GIVE T0 SECURE THE REPAYM BWT OF A LOAN ISSUE IN CONNECTION WITH THE FINANCING OF HOUSING AND ARE B(EVIPT FROM DOCUMBJTARY STAMP TAX AND INTANGIBLE TAX PURSUANT TO SECTION 420.513(1), FLORIDA STATUTES. Note Florida Case No. FHA November 21, 2014 [Dare] 10269 121st Ave, Largo, FL 33773 [PropertvA ddress] l.PARTIES "Borrower" means each person signingat theend ofthis Note, and the person's successors and assigns. "Lender" means Regions Bank d/b/a Regions Mortgage anditssuccessors and assigns. 2.BORROWER'S PROMISE TO PAY; INTEREST from Lender, Borrower promises In return for a loan received t0 eightyoe pay the principal sum of ight thousand thi rteen and 00/100 Dollars (UAS.$88 ,01 3 .00 ), to the order of Lender. plus interest, Interest will be charged on unpaid principal,from the date of‘disbursemem ofthe loan proceeds by Lender, four at the rate of and one-quarter percent( 4 .250%) per year until the fullamount of principal has been paid. 3. PROMISE TO PAY SECURED Borrower‘s promise to payissecured by a mortgage,deed oftrust or similar security instrument that isdated the same da‘e Note and called the "Security Instrument." The Security Instrument as this protects the Lender from losses which might rcsul! if Borrower defaults under this Note. 4. MANNER OF PAYMENT (A) Time Borrower shallmake a payment of principal and Lender on the first day of each month beginning on interest to January 1, 2015 .Any December, principal and interest remaining 0n the first day of 2044 , will bedue onIha! dale,which iscalled the "Maturity Date." (B) Place Payment shallbe made at Department 2520, P.O. Box 2153, Birmi ngham, AL 35287—2520 or atsuch place as Lender may designate in writing by noticetoBorrower. (C) Amount Each monthly payment of principal and be in the amount 0f U.S. interest will $432 98 . .This amount ofa will be part largermonthly payment required by the Security Instrument, be applied to principal, that shall interest and other items in the order described in the Security Instrument. FHA fixed mie Nme-FL Amended 10198 VMP® I ~ VMmmFLHmOZ) Wallets Kluwer Fmancna Serwces Page1 3 of -i FL-FHA FIXED RATE NOTE EXHIBIT "A" u | . I (D) Allonge to thisNote for payment adjustments payment adjustments If an allonge providing for isexecuted by Borrower together with this Note, the covenants of amend and supplement the allonge shall be incorporated into and shall Note the covenants ofthis as ifthe allongewere a pan of thisNote. [Check applicabk box] [:1 Graduated Payment Allongc D Growing Equity Aflonge E] Other [specify] 5.BORROWER'S RIGHT T0 PREPAY in whole or in part, Borrower has the right to pay the debt evidenced by this Notc, without charge or penalty, on the first day of any month. Lender shall accept prepayment on other days provided that Borrower pays interest 0n the amount prepaid for the remainder ofthe month to the extent required by Lender and permitted by regulations of the Secretary. IfBorrowar makes a partialprepayment, be no changes in the due date or in the amount ofthe monthly paymem unless Lender agrees in there will writing to those changes. 6. BORROWER'S FAILURE TO PAY (A) Late Charge for Overdue Payments IfLendcr has not received thefullmonthly payment required by the Security Instrument, as described in Paragraph 4(C) of this Note,by the end of fifteen calendar days Lender may collect a late charge in the amount after the payment is due, of f‘our percent( 4 .000%) ofthc overdue amount of each payment. (B) Default If then Lender may, Borrower defaults by failing to pay in full any monthly payment, except as limited by regulations ofthe Secretary require immediate payment in full ofthe principal balance remaining due and in the case of payment defaults, allaccrued Lender may choose not to exercise this option without waiving its rights in the event of any subsequent interest. default.Inmany circumstances regulations issued by the Secretary will limit Lender's rights to require immediate payment in fullin This Note does not authorize acceleration when not permitted by HUD regulations. the case of payment defaults. As used Note, in this "Secretary"means the Secretary of Housing and Urban Development or his or her designee. (C) Payment of Costs and Expenses IfLender has required immediate payment as described above, in full, Lender may require Borrower to pay c0315 and expenses including reasonable and customary attorneys' fees for enforcing thisNote to the extent not prohibited by applicable law. the same rate as the principal of this Note. Such fees and costs shall bear interest from the date of disbursement at 7.WAIVERS Borrower and any other person who has obligations under this Note waive the rights 0f presentment and notice of dishonor "Prescntmem" means the right to require Lender to demand payment of amounts due. "Notice of dishonor"means the right to require Lender to give notice to other persons that amounts due have n01 been paid. 8. GIVING OF NOTICES Unless applicable law requires a different method, any noticetha‘must be given toBorrower under thisNote willbe given by deliveringit0r by mailing by first class mail it t0 Borrower at the property address above or ata different address if Borrower has given Lender a notice of Borrower’ s different address. Any Note notice that must be given to Lender under this willbe given by first class mail to Lender address stated ax the in Paragraph 4(8) or ata different address ifBorrower is given a notice ofthat different address. 9. OBLIGATIONS OF PERSONS UNDER THIS NOTE Ifmore thanone person signsthisNote, each person isfullyand personally obligated to keepallofthe promises made in thisNote, Any person who is a guarantor, including the promise to pay the full amount owcd. surety or endorser ofthis Note is Any also obligated to do these things. person who takesover theseobligations,including the obligations ofa guarantor, surety or cndorser ofthis Note,isalso obligated to keep allofthe promises made in thisNote. Lender may enforceitsrights under this FHA fixed Rate NotH-l Amended $0l98 VMP ® vummnmaoz) Wolters Kluw er financial Services Page 2 ct3 Monica L Airippa FL ~ FHA FIXED RATE NOTE . v ' ‘ I . Note against each person individually or againstall Any one signatories together. person signing this Notemay be required to pay allofthe amounts owed under thisNote. m X@W Ménica BY SIGNING BELOW, L Agrippa V / Borrower accepts and agrees ' Borrower to the terms (Seal) and covenants contained Note. in this (Seal) -Bormwer (Seal) (Sea!) Borrower -Borrowcr [Sign Original Only _ D Addendum Refer to the attached Signature for additional parties and signatures. Loan NMLS mi Loan origination or NMLs originator 1D anization Louis Regions lmbody Bank d/b/a Regions _ Mortgage m as;:st oaom 0F U. S. Bank National Association WITHOUT 'RECOURSE Regions Bank dibla Regions Mortgage / Jo‘athan Vice Loukmka President Pay to the order of Without Recourse Bank National Assoctation Li? ‘7”!- (”LA 1 ; Paula T.- Hughes WA fixedRate NoteFL Vice Presudent —Wgs Amended 10/98 VMP ® VMP1R(FL) (1 302) Walkers Kluwer financial Services fige 3 of 3 Monlca L Agrippa FL - FHA FIXED RATE NOTE I#: 2014330340 BK: 18605 PG: 387, 12/03/2014 at 09:25 AM, RECORDING 10 PAGES $86.50 KEN BUM, CLERK OF COURT AND COMPTROLLER PINELLAS COUNTY, FL BY DEPUTY CLERK: CLKPROB ' "B&fiiéi'.‘ me 3400 w. Kenn'edy 3m, Tamna. FL 33609 (813ro- RemmTo: Post C1os1ng epar men Regions Bank d/b/a/ Reg1ons Mortgage 2050 Parkway Office Circ1e. RCN-6. Mafl Code: ALBH406028 Birmingham. AL 35244 This document was prepared by: Pam A Pierce 303 Jesse Jewe1 Pwy Suite 400 Ga1nesv111e, GA 30501 (770)503-2521 THIS MORTGAGE AND THE NOTE SECURED BY THIS MORTGAGE ARISE OUT OF OR ARE GIVEN T0 SECUE THE REAYMWT OF A LOAN ISSUED IN CONNECTUON WITH THE FlNANCING OF HOUSING AND — ARE B(EWPT FROM DOCUMNTARY STAMP TAX AND INTANGIBLE TAX PURSUANT TO SECTION 420.51 3(1 ), FLORIDA STATUTES. [Space Above This Line For Recording Data: FHA Case No. State of Florida MORTGAGE THIS MORTGAGE ("Security Insu-ument")is given on November 21 , 2014 The Mortgagor is Monica L Agr1ppa. An Unmarried Woman; ,whose address is 3269 Havfland Ct Apt #101. Palm Harbor, FL 34684 ("Borrower"). This Security Instrumentisgivento Regions Bank d/b/a Regions Mortgage which isorganized and existing under the laws of State of A1 abama , and whose addressis 2050 Parkway Off‘l ce C1 rc1e . 81 rmi ngham, AL 35244 ("Lender"). Borrower 0wm Lender the principal sum of eighty-e1 ght thousand thf rteen and 00/100 Dollars (U.S. $ 88 .013 .00 ). This debtis evidenced by Borrower s note dated the same date as this Security Instrument ("Note"), which provides for monthly payments, with the full debt, if not paid earlier,due and payable on December 1. 2044 . This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, and with interest, allrenewals, extensionsand modifications of the Note; (b) the payment of all other sums, with advanced under paragraph 7 to protect the security of this Security Instrument; and (c) the performance interest, FHA FloridaMortgage-4196 @4NFL) (1302) Paco 1of 9 Imw VMP Mormon Solutions. Inn wm- EXHIBIT "B" HORTGAGE FL - FHA PINELLAS COUNTY FL OFF. REC. BK 18605 PG 388 of Borrower's covenants and agreements under thisSecurity Instrument and the Note. For this purpose,Borrower does hereby mortgage, grant and convey to the Lender the following described property located in P1 ne] Was County, Florida: Lot 12, Block 12,ORANGE LAKE VILLAGE, according to the Plat thereof, recorded in PlatBook 36, Pages 65 thrOugh 67, of the Public Records of Pinellas County, Florida. Parcel ID Number: which has the address of 10269 12151: Ave r [Sum] La rgo Flo’rida {City}. 33773 ("Property Address”); [Zip Code] TOGETHER WITH allthe improvements now or hmwficr exacted on t’he propeny, and alleasements, appurtenances and fixtures now or hcreafier a part of theproperty. All replacements and additionsshall alsobe covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property." BORROWER COVENANTS that Borrower is lawfully seized of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject toany encumbrances of record. THIS SECURITY INSTRUMENT combirm uniform covenants fornational use and nomuniform covenants With limited variations by jurisdiction to constitute a uniform security instrument covering real propcny. Bonower and Lender covenant and agree as follows: UNIFORM COVENANTS. 1. Payment of Principal, Interestand Late Charge. Borrower shallpay when due me principalof, and interm on, the debt evidenced by the Note and latecharges due under the Note. 2. Monthly Payment of Taxes, Insurance and Other Charges. Borrower shallinclude in each monthly payment, together with the principal and intawt as set forth in the Note and any late charges, a sum for (a) taxes and specia! assessmentslevied or to be leviedagainst the Property, (b) leasehold payments or ground rents on the Property, and (c) premiums for insurance required under paragraph 4.1n any year in which the Lender must pay a mortgage insuranqe premium to the Secretary of Housing and Urban Development (“Secretary“), or in any year in which such premium would have been required if Lender still held the Security Instrument,each monthly payment shall also include either: (i) a sum for the annual mortgage insurance premium to be paid by Lender to the Secretary, or (ii) a monthly charge instead of a mortgage insurance premium if this Security Instrument is held by the Secretary, in a reasonableamount to be determined by the Secretary. Except for the monthly charge by theSecretary,these items are called "Escrow Items" and the sums paid to Lender are called “Escrow Funds." ®4R(FL) «302) w Pogo 2 o! a mmfl lion!" L Aavlppa FL - FHA MORTGAGE PINELLAS COUNTY FL OFF. REC. BK 18605 PG 389 Lender may, at any time, collect and hoid amounts for Escrow Items in an aggregate amount not toexceed the maximum amount that may be required for Borrower's escrow account under the Real Estate Settlement Procedures Act of 1974, 12 U.S.C. Section 2601 et seq.and implementing regulations, 12 C.?.R. Part 1024. as they may be amended from time to time ("RESPA"), except that the cushion or reservepermitted by RESPA for unanticipated disbursements or disbursements before the Borrower's payments are available in the account may not be based on amounts due for the mortgage insurance premium. If the amounts held by Lender for Escrow Items exceed the amounts permitted to be held by RESPA, Lender shall account to Borrower for the excess fimds as required by RBSPA.If the amounts of funds held by Lender at any time arc not sufficient to pay the Escrow Items when due, Lender may notify the Borrower and require Borrowet to make up the shortage as permitted by RESPA. The Escrow Funds arc pledged as additionalsecurity for allsums secured by thisSecurity Instmmcnt. If Borrower tenders to Lender the payment of all such sums, full Borrowcr' s account shall be credited with the balance remaining for all installment items (a), (b),and (c) and any mortgage insurance premium installment that Lender has not become obligatedto pay to the Secretary,and Lender shallpromptly refimd any excess funds to Borrower. Immediately prior to a foreclosuresale of theProperty or itsacquisition by Lender, Borrower‘s account shallbe credited with any balance remaining for all installments for items (a), (b), and (c). 3. Application of Payments. A11 payments under paragraphs 1 and 2 shall be applied by Lender as follows: F__irst, to the mortgage insurance premium to be paid by Lender to the Secretary or to the monthly charge by the Secretary instead of the monthly mortgage insurance premium; leasehold payments or ground rents, special assessments, §_______econd, to any taxes, and fire, flood and other hawd insurance premiums, as required; 111g due under the Note; to interest Fourth, to amortization of the principal of the Note; and m_h, due under the Note. to late charges 4. Fire,Flood and Other Hazard Insurance. Borrower shall insure all improvements on the Property, whether now in existence or subsequently erected, against and contingencies, any hazards, casualties, including fire, for which Lender requiresinsurance. This insurance shall be maintained in the amounts and for the periods that Lender requires.Borrower shallalso insure allimprovements on the Property, whether now in existenceor subsequently erected,against loss by floods to the extent required by the Secretary. All insurance shall be carried with companies approved by Lender. The insurance policies and any renewals shall be held by Lender and shall include loss payable and in a form acceptable to. Lender. clauses in favor of, Lcndcr may make proof of loss if not of loss, Borrower shall give Lender immediate notice by mail. In the event made promptly by Borrower. Each insurance company concerned is hereby authorized and directed to make payment for such lossdirectlyto Lender,‘ ins‘eadof to Borrower and to Lender jointly. All o: any part of the insurance proceeds may be applied by Lender, either (a) to the reduction of the indebtedness under the Note and at its option. first to this Security Instrument, and then to prepayment any delinquent amounts applied in the order in paragraph 3, of principal,or (b) tothe restorationor repair of thedamaged Property.Any appliwtion of the proceeds to the principal shall not extend or postpone the due date of the monthly payments which are referred to in paragraph 2, or change the amount of such payments. Any excess insurance proceeds over an amount required to pay all outstanding indebtedness under the Note and this Security Instrument shall be paid to the entity legally entitled thereto. In the event of foreclosure of this Security Instrument or other transfer of title to the Property that extinguishes the indebtedness,all right,titleand interestof Borrower in and to insurance policiesin force shall pass tothe purchaser. QANFL) (1302) P090 3 0'9 ' mum Lrlppa MORTGAGE FL ‘ FHA PINELLAS COUNTY FL OFF. REC. BK 18605 PG 390 5. Occupancy, Preservation, Maintenance and Protection of the Property; Borrower's Loan Application; Leaseholds. Bcrrower shall occupy, establish,and use the Property as Borrower's principal residence within sixty days afier the ecution of this Security Instrument (or within sixty days of a later sale or transfer of the Property) and shallconti ue to occupy the Property as Borrower's principal residencefor a: leastone year afler the date of occupancy, unl Lender determines that requirement will cause undue hardship for Borrower,or unless extenuating circumstances xist which arc beyond Borrower’s control. Borrower shallnotify Lender of any extenuating circumstances. rrower shall not commit waste or destroy, damage or substantially change the Property or aflow the Propmy to det rioratc, Lender may inspect the Property if the Property is vacant reasonable wear and tear cxoeptcd. or abandoned r theloan is in default.Lender may take reasonable action to protectand preserve such vacant or abandoned Pro erty. Borrower shall also be in default ifBorrower, during the loan applicationprocess, gave materiallyfals or inaccurate information or statementsto Lender (or failed toprovide Lender with any material connection with the loan evidenced by the Note, including,but not limited to,representations governmental o municipal charges, Borrower shall pay fines and impositions that arc not included in paragraph 2. these obligatios on time directly to the entity which is owed the payment. If failure to pay would adversely affect Lender's inter t in the Property, upon Lender's rcqucst Borrower shallpromptly furnish to Lender receipts evidencing these payments. IfBorrower fails to make these payments or the payments required by paragraph 2, or fails to perform any other or there is a legal proceeding that may significantly covenants and agreements contained in this Security Instrument, affectLender's rights in the Property (such as a proweding in bankruptcy, for condemnation or to enforcelaws or then Lender may regulations), do and pay whatever is necessary to protcct the value of the Property and Lender's including payment of taxes, rights in the Property, hazard insurance and other items mentioned in paragraph 2. Any amounts disbursed by Lender under this patayaph shallbecome an additional debt of Borrower and be secured by thisSecurity Instrument. These amounts shall bear interestfrom the date of disbursement,at the Note rate,and at the option of Lender, shall be immediately due and payable. Borrower shall promptly dischaxge any lien which has priority over this Security Instrument unless Borrower: (a) agreesin writing to thepayment of the obligation secured by the lienin a manner acceptable toLender; (b) contactsin good faiththe lienby, or defends againstenforcement of thelien in, legalprowedings which in the Lender's opinion operate to prevent the enforcement of the lien;0t (c) secures fiom the holder of the lienan agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lienwhich may attain priorityover this Security Instrument, Lender may give Borrower a notice Borrower shall identifying the lien. satisfythe lien or take one or more of the actions set forth above within 10 days of the giving ofnotice. Quinn.) (1302) Paguo: 9 Ionic: L FL-FHA MORTGAGE PINELLAS COUNTY FL OFF. REC. BK 18605 PG 391 8.Fm. Lender may collect fees and charges authorized by the Secretary. 9.Grounds for Acceleration of Debt. (a) Default.Lender may, except as limited by regulations in the issued by the Secretary, mse of payment immediate payment in full of all sums secured by this Secmity Instrument if: defaults, require (i) Borrower defaults by failing to pay in full any monthly payment required by this Security Instrument prior to or on the due date of the next monthly payment. or (ii) Borrower defaults by failing. to perform any other obligations contained for a period of thirty days, in this Security Instrument. (b) Sale Without Credit Approval. Lender shall, if permitted by applicable law (including Section 341(d) of the Garn-St. Germain Depository InstitutionsAct of 1982, 12 U.S,C. l701j~3(d))and with the prior require immediate payment in full of all sums secured by this Security Instrument approval of the Secretary, if: All or part of the Property, or a beneficial interest in a trust owning all or part of 'the Property, (i) is sold or otherwisetxansferred (other than by devise or dweent), and (ii)The Property isnot occupied by the purchaser or grantee as his or her principal rwidcnce,or the purchaser or grantee does so occupy the Property but his or her credit has not been approved in accordance with the requirements of the Secretary. (c)No Waiver. 1f circumstances occur that would permit Lender to require immediate payment in full, but Lender does not require such payments, Lender does not waive its rights with respect to subsequent events. (d) Regulations of HUD Secretary. 1n tmny circumstances regulationsissued by the Secretary will limit Lender's rights,'m the case of to require immediate payment in payment defaults, fulland foreclose if not paid.This Security Instrument does not authorize acceleration or foreclosure if not permitted by regulations of the Secretary. (e)Mortgage Not Insured. Borrower agrees that if this Security Instrument and the Note are not determined to be eligiblefor insuranceunder the National Housing Act within 60 days from the date hereof, Lender may, at its option, require immediate payment in fullof allsums secured by thisSecurity Instrument. A written statement of any authorized agent of the Secretary dated subsequent to 60 days from the date hereof, declining to insure this SecurityInstrument and the Note, shall be deemed conclusive proof of such Notwithstanding ineligibility. the foregoing, this option may not be exercised by Lender when the unavailability of insurance is solely due to Lender's failure to remit a mortgage insurance premium to the Secretary. 10. Reinstatement. Borrower has a rightto be reinstated ifLender has requiredimmediate payment infull because of Borrower's failure to pay an amount due under the Note or this Security Instrument.This right applias even afier foreclosure proceedings are To instituted. the reinstate Security Instrument, Borrower shalltender in a lump sum allamounts required to bring Borrower's account current including,to the extent they are obligations of foreclosure costs and reasonable and customary‘attomeys' Borrower under this Security Instrument, fem and expanses properly Upon reinstatement by Borrower, associated with the foreclosure proceeding. thisSecurity Instrument and the obligationsthat itsecures shall remain in effect as if Lender had not required immediate payment in full. However, Lender is not rcquircd to permit reinstatement if: (i)Lender has accepted teinstatement afier the commencement of foreclosure proceedings within two years immediately preceding the commencement of a current foreclosureproceeding, (ii)reinstatement willpreclude foreclosureon differentgrounds in the future, or (iii) reinstatement will adversely affect the priority of the lien created by this Security Instrument Q-mU-l) (1302) Pogo 5