CFN # 104922671, OR BK 39474 Page 1072, Page 

09:25 AM, Broward County Commission, Doc M: 

1 of 19, Recorded 04/20/2005 at 

$1095.50 Int. Tax $626.00 Deputy 

Clerk 1924 

,. IQ'\ o"l, 

..... ti~ 

i ;~ T"" 

,~gi lc,)ati:! 

J~~g 

1111 

~~I a 

--t1\ v 

Return To: 

WELLS FARGO BANK, N.A. 

FINAL DOCUMENTS X4701-022 

3601 MINNESOTA DRIVE 

BLOOMINGTON, MN 55435-5284 

This document was prepared by: 

KENNETH BRACY 

WEUS FARGO BANK, N.A, 

850 TRAFALGAR BLVD,350 

MAITLAND, FL 32751-

--------------[Space Above This Line For Recording Data]------------

MORTGAGE 0143369122 

DEFINITIONS 

Words used in multiple sections of this document are defined below and other words are 

defined in Sections 3, 11, 13, 18, 20 and 21 . Certain rules regarding the usage of words used 

in this document are also provided in Section 16. 

(A) "Security Instrument' means this document, which is dated APRIL 11, 2005 

together with all Riders to this document. 

(8) "Borrower" is 

RALPH L SANDERS, AN UNMARRIED MAN 

Borrower is the mortgagor under this Security Instrument. 

(C) "Lender" is WELLS FARGO BANK, N.A. 

Lender is a National Association 

organized and existing under the laws of THE UNITED STATES OF AMERICA 

FLORIDA• Single Family • Fanni• Maa/Fr•ddle Mac UNIFORM INSTRUMENT 

Paoe 1 of 10 Initials: __ 

FORII 3010 1 /01 

SFl01 Rev 11/02/00 

f 

l<t?J 

Case 19-24331-PDR Doc 137 Filed 06/01/21 Page 1 of 18
CFN # 104922671, OR BK 39474 PG 1073, Page 2 of 19 

Lender's address is 

P. 0. BOX 5137, DES MOINES, IA 50306-5137 

Lender is the mortgagee under this Security Instrument. 

(D) nNotll • means the promissory note signed by Borrower and dated APRIL 11, 2005 

The Note states that Borrower owes Lender THREE HUNDRED THIRTEEN THOUSAND 

AND N0/100 Dollars 

(U.S. $ ..... ~,.M>!~:~ ............ ) plus interest. Borrower has promised to pay this debt in regular 

Periodic Payments and to pay the debt in full not later than MAY 1, 2035 

(E) "Property" means the property that is described below under the heading "Transfer of 

Rights in the Property.• 

(F) "Loan• means the debt evidenced by the Note, plus interest, any prepayment charges 

and late charges due under the Note, and all sums due under this Security Instrument, plus 

interest. 

(G) "Riders• means all Riders to this Security Instrument that are executed by Borrower. 

The following Riders are to be executed by Borrower (check box as applicable): 

D Adjustable Rate Rider O Condominium Rider 

D Balloon Rider D Planned Unit Development Rider 

D VA Rider O Biweekly Payment Rider 

0 Second Home Rider 

01-4 Family Rider 

D Other(s) (specify) 

(H) "Appllcable Law" means all controlling applicable federal, state and local statutes, 

regulations, ordinances and administrative rules and orders (that have the effect of law) as 

well as all applicable final, non-appealable judicial opinions. 

(I) "Community Association Dues, Fees, and Assessments• means all dues, fees , 

assessments and other charges that are imposed on Borrower or the Property by a 

condominium association, homeowners association or similar organization. 

(J) "Electronic Funds Transfer" means any transfer of funds, other than a transaction 

originated by check, draft, or similar paper instrument, which is initiated through an 

electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, 

instruct, or authorize a financial institution to debit or credit an account. Such term includes, 

but is not limited to, point-of-sale transfers, automated teller machine transactions, transfers 

initiated by telephone, wire transfers, and automated clearinghouse transfers. 

(K) "Escrow Items" means those items that are described in Section 3. 

(L) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or 

proceeds paid by any third party (other than insurance proceeds paid under the coverages 

described in Section 5) for: (I) damage to, or destruction of, the Property; (ii) condemnation 

or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or 

(iv) misrepresentations of, or omissions as to, the value and/or condition of the Property. 

(M) "Mortgage Insurance• means insurance protecting Lender against the nonpayment of, 

or default on, the Loan. 

(N) "Periodic Payment" means the regularly scheduled amount due for (i) principal and 

interest under the Note, plus (ii) any amounts under Section 3 of this Security Instrument. 

SFL02 R.v 12/18/00 Page 2 of 18 Initials: FORM 3010 1/01 

/lJ 

Case 19-24331-PDR Doc 137 Filed 06/01/21 Page 2 of 18
CFN # 104922671, OR BK 39474 PG 1074, Page 3 of 19 

(0) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. Section 2601 et 

seq.) and its implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be 

amended from time to time, or any additional or successor legislation or regulation that 

governs the same subject matter. As used in this Security Instrument, "RESPA" refers to all 

requirements and restrictions that are imposed in regard to a "federally related mortgage 

loan" even if the Loan does not qualify as a "federally related mortgage loan• under RES PA. 

(P) "Successor in Interest of Boff'OWer" means any party that has taken title to the Property, 

whether or not that party has assumed Borrower's obligations under the Note and/or this 

Security Instrument. 

TRANSFER OF RIGHTS IN THE PROPERTY 

This Security Instrument secures to Lender: (i) the repayment of the Loan, and all renewals, 

extensions and modifications of the Note; and (ii) the performance of Borrower's convenants 

and agreements under this Security Instrument and the Note. For this purpose, Borrower 

does hereby mortgage, grant and convey to Lender, the following described property 

located in the County of BROWARD 

(Type of Recording Jurisdiction! (Name of Recording Jurisdiction): 

LEGAL DESCRIPTION IS ATTACHED HERETO AS SCHEDULE "A" AND MADE A 

PART HEREOF. 

Parcel ID Number: 

561 SW 60AVE 

("Property Address"): PLANTATION 

which currently has the address of 

(Street) 

[City), Florida 33317 (Zip Code) 

TOGETHER WITH all the improvements now or hereafter erected on the property, and 

all easements, appurtenances, and fixtures now or hereafter a part of the property. All 

replacements and additions shall also be covered by this Security Instrument. All of the 

foregoing is referred to In this Security Instrument as the "Property.• 

SFL03 Rev 11/02/00 Page 3 of 18 Initials: FORM 3010 1/01 

pU 

Case 19-24331-PDR Doc 137 Filed 06/01/21 Page 3 of 18
CFN # 104922671, OR BK 39474 PG 1075, Page 4 of 19 

BORROWER COVENANTS that Borrower is lawfully seised 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 to any 

encumbrances of record. 

THIS SECURITY INSTRUMENT combines uniform covenants for national use and nonuniform covenants with limited variations by jurisdiction to constitute a uniform security 

instrument covering real property. 

UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 

1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. 

Borrower shall pay when due the principal of, and interest on, the debt evidenced by the 

Note and any prepayment charges and late charges due under the Note. Borrower shall 

also pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and 

this Security Instrument shall be made in U.S. currency. However, if any check or other 

instrument received by Lender as payment under the Note or this Security Instrument is 

returned to Lender unpaid, Lender may require that any or all subsequent payments due 

under the Note and this Security Instrument be made in one or more of the following forms, 

as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's 

check or cashier's check, provided any such check is drawn upon an institution whose 

deposits are insured by a federal agency, instrumentality, or entity; or (d) Electronic Funds 

Transfer. 

Payments are deemed received by Lender when received at the location designated in 

the Note or at such other location as may be designated by Lender in accordance with the 

notice provisions in Section 15. Lender may return any payment or partial payment if the 

payment or partial payments are insufficient to bring the Loan current. Lender may accept 

any payment or partial payment insufficient to bring the Loan current, without waiver of any 

rights hereunder or prejudice to its rights to refuse such payment or partial payments in the 

future, but Lender is not obligated to apply such payments at the time such payments are 

accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender 

need not pay interest on unapplied funds. lender may hold such unapptied funds until 

Borrower makes payment to bring the Loan current. If Borrower does not do so within a 

reasonable period of time, Lender shall either apply such funds or return them to Borrower. 

If not applied earlier, such funds will be applied to the outstanding principal balance under 

the Note immediately prior to foreclosure. No offset or claim which Borrower might have 

now or in the future against Lender shall relieve Borrower from making payments due under 

the Note and this Security Instrument or performing the covenants and agreements secured 

by this Security Instrument. 

2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, 

all payments accepted and applied by Lender shall be applied in the following order of 

priority: (a) Interest due under the Note; (b) principal due under the Note; (c) amounts due 

under Section 3. Such payments shall be applied to each Periodic Payment in the order in 

which it became due. Any remaining amounts shall be applied first to late charges, second 

to any other amounts due under this Security Instrument, and then to reduce the principal 

balance of the Note. 

SA.04 Rev 11/02/00 Paga 4 of 18 Initials: FORM 3010 1J01 

;l(J 

Case 19-24331-PDR Doc 137 Filed 06/01/21 Page 4 of 18
CFN # 104922671, OR BK 39474 PG 1076, Page 5 of 19 

If Lender receives a payment from Borrower for a delinquent Periodic Payment which 

includes a sufficient amount to pay any late charge due, the payment may be applied to the 

delinquent payment and the late charge. If more than one Periodic Payment is outstanding, 

Lender may apply any payment received from Borrower to the repayment of the Periodic 

Payments if, and to the extent that, each payment can be paid in full. To the extent 

that any excess exists after the payment is applied to the full payment of one or more 

Periodic Payments, such excess may be applied to any late charges due. Voluntary 

prepayments shall be applied first to any prepayment charges and then as described in the 

Note. 

Any application of payments, insurance proceeds, or Miscellaneous Proceeds to 

principal due under the Note shall not extend or postpone the due date, or change the 

amount, of the Periodic Payments. 

3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments 

are due under the Note, until the Note Is paid in full, a sum (the "Funds•) to provide for 

payment of amounts due for: (a) taxes and assessments and other items which can attain 

priority over this Security Instrument as a lien or encumbrance on the Property; (b) 

leasehold payments or ground rents on the Property, if any; (c) premiums for any and all 

insurance required by Lender under Section 5: and (d) Mortgage Insurance premiums, if 

any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage 

Insurance premiums in accordance with the provisions of Section 10. These items are called 

"Escrow Items.• At origination or at any time during the term of the Loan, Lender may 

require that Community Association Dues, Fees, and Assessments, if any, be escrowed by 

Borrower, and such dues, fees and assessments shall be an Escrow Item. Borrower shall 

promptly furnish to Lender all notices of amounts to be paid under this Section. Borrower 

shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to 

pay the Funds for any or all Escrow Items. Lender may waive Borrower's obligation to pay 

to Lender Funds for any or all Escrow Items at any time. Any such waiver may only be in 

writing. In the event of such waiver, Borrower shall pay directly, when and where payable, 

the amounts due for any Escrow Items for which payment of Funds has been waived by 

Lender and, if Lender requires, shall furnish to Lender receipts evidencing such payment 

within such time period as Lender may require. Borrower's obligation to make such 

payments and to provide receipts shall for all purposes be deemed to be a covenant and 

agreement contained in this Security Instrument, as the phrase •covenant and agreement• 

is used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a 

waiver, and Borrower fails to pay the amount due for an Escrow Item, Lender may exercise 

its rights under Section 9 and pay such amount and Borrower shall then be obligated under 

Section 9 to repay to Lender any such amount. Lender may revoke the waiver as to any or 

all Escrow Items at any time by a notice given in accordance with Section 15 and, upon such 

revocation, Borrower shall pay to Lender all Funds, and in such amounts, that are then 

required under this Section 3. 

Lender may, at any time, collect and hold Funds in an amount (a) sufficient to permit 

Lender to apply the Funds at the time specified under RESPA, and (b) not to exceed the 

maximum amount a lender can require under RESPA. Lender shall estimate the amount of 

Funds due on the basis of current data and reasonable estimates of expenditures of future 

Escrow Items or otherwise in accordance with Applicable Law. 

SFL05 Rev 11/14/00 Page 5 of 18 Initials: 

-~·if✓ 

Case 19-24331-PDR Doc 137 Filed 06/01/21 Page 5 of 18
CFN # 104922671, OR BK 39474 PG 1077, Page 6 of 19 

The Funds shall be held in an institution whose deposits are insured by a federal 

agency, instrumentality, or entity (including Lender, if Lender is an institution whose 

deposits are so insured) or in any Federal Home Loan Bank. Lender shall apply the Funds 

to pay the Escrow Items no later than the time specified under RESPA. Lender shall not 

charge Borrower for holding and applying the Funds, annually analyzing the escrow 

account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds 

and Applicable Law permits Lender to make such a charge, Unless an agreement is made 

in writing or Applicable Law requires interest to be paid on the Funds, Lender shall not be 

required to pay Borrower any interest or earnings on the Funds. Borrower and Lender can 

agree in writing, however, that interest shall be paid on the Funds. Lender shall give to 

Borrower, without charge, an annual accounting of the Funds as required by RESPA. 

If there is a surplus of Funds held in escrow, as defined under RES PA, Lender shall 

account to Borrower for the excess funds in accordance with RESPA. If there is a shortage 

of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required 

by RESPA. and Borrower shall pay to Lender the amount necessary to make up the 

shortage in accordance with RES PA, but in no more than 12 monthly payments. If there is a 

deficiency of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower 

as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up 

the deficiency in accordance with RESPA, but in no more than 12 monthly payments. 

Upon payment in full of all sums secured by this Security Instrument, Lender shall 

promptly refund to Borrower any Funds held by Lender. 

4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and 

impositions attributable to the Property which can attain priority over this Security 

Instrument, leasehold payments or ground rents on the Property, if any, and Community 

Association Dues, Fees, and Assessments, if any. To the extent that these items are Escrow 

Items, Borrower shall pay them in the manner provided in Section 3. 

Borrower shall promptly discharge any lien which has priority over this Security 

Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured 

by the lien in a manner acceptable to Lender, but only so long as Borrower is performing 

such agreement; (b) contests the lien in good faith by, or defends against enforcement of 

the lien in , legal proceedings which in Lender's opinion operate to prevent the enforcement 

of· the lien while those proceedings are pending, but only until such proceedings are 

concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender 

subordinating the lien to this Security Instrument. If Lender determines that any part of the 

Property is subject to a lien which can attain priority over this Security Instrument, Lender 

may give Borrower a notice identifying the lien. Within 10 days of the date on which that 

notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth 

above in this Section 4. 

Lender may require Borrower to pay a one-time charge for a real estate tax verification 

and/or reporting service used by Lender in connection with this Loan. 

SFl06 Rev 09/11100 Page 6 of 18 Initials: ---"~ 

Case 19-24331-PDR Doc 137 Filed 06/01/21 Page 6 of 18
CFN # 104922671, OR BK 39474 PG 1078, Page 7 of 19 

5. Property Insurance. Borrower shall keep the improvements now existing or hereafter 

erected on the Property insured against loss by fire, hazards included within the term 

"extended coverage," and any other hazards including, but not limited to, earthquakes and 

floods, for which Lender requires insurance. This Insurance shall be maintained in the 

amounts (Including deductible levels) and for the periods that Lender requires. What 

Lender requires pursuant to the preceding sentences can change during the term of the 

Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to 

Lender's right to disapprove Borrower's choice, which right shall not be exercised 

unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: 

(a) a one-time charge for flood zone determination, certification and tracking services; or (b) 

a one-time charge for flood zone determination and certification services and subsequent 

charges each time remappings or similar changes occur which reasonably might affect such 

determination or certification. Borrower shall also be responsible for the payment of any 

fees imposed by the Federal Emergency Management Agency in connection with the review 

of any flood zone determination resulting from an objection by Borrower. 

If Borrower fails to maintain any of the coverages described above, Lender may obtain 

insurance coverage, at Lender's option and Borrower's expense. Lender is under no 

obligation to purchase any particular type or amount of coverage. Therefore, such coverage 

shall cover Lender, but might or might not protect Borrower, Borrower's equity in the 

Property, or the contents of the Property, against any risk, hazard or liability and might 

provide greater or lesser coverage than was previously in effect. Borrower acknowledges 

that the cost of the insurance coverage so obtained might significantly exceed the cost of 

insurance that Borrower could have obtained. Any amounts disbursed by Lender under 

this Section 5 shall become additional debt of Borrower secured by this Security Instrument. 

These amounts shall bear interest at the Note rate from the date of disbursement and shall 

be payable, with such interest, upon notice from Lender to Borrower requesting payment. 

All insurance policies required by Lender and renewals of such policies shall be subject 

to Lender's right to disapprove such policies, shall include a standard mortgage clause, and 

shall name Lender as mortgagee and/or as an additional loss payee. Lender shall have the 

righf to hold the policies and renewal certificates. If Lender requires, Borrower shall 

promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower 

OQtains any form of insurance coverage, not otherwise required by Lender, for damage to, 

or destruction of, the Property, such policy shall include a standard mortgage clause and 

shall name Lender as mortgagee and/or as an additional loss payee. 

/

/ In the event of loss, Borrower shall give prompt notice to the insurance carrier and ~-- '· 

Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender \ 

/ and Borrower otherwise agree in writing, any insurance proceeds, whether or not the \ 

/ underlying insurance was required by Lender, shall be applied to restoration or repair of the · 

\ 

Property, if the restoration or repair is economically feasible and Lender's security is not 

lessened. During such repair and restoration period, Lender shall have the right to hold 

, such insurance proceeds until Lender has had an opportunity to Inspect such Property to 

\"" ensure the work has been completed to Lender's satisfaction, provided that such inspection 

~ ~ 

SFL07 Rev 09/11/00 Page 7 of 18 Initials: FORM 3010 1/01 

py/_ 

Case 19-24331-PDR Doc 137 Filed 06/01/21 Page 7 of 18
CFN # 104922671, OR BK 39474 PG 1079, Page 8 of 19 

shall be undertaken promptly. Lender may disburse proceeds for the repairs and 

restoration in a single payment or in a series of progress payments as the work is 

completed. Unless an agreement is made in writing or Applicable Law requires interest to 

be paid on such insurance proceeds, Lender shall not be required to pay Borrower any 

interest or earnings on such proceeds. Fees for public adjusters, or other third parties, 

retained by Borrower shall not be paid out of the insurance proceeds and shall be the sole 

obligation of Borrower. If the restoration or repair is not economically feasible or Lender's 

security would be be lessened, the insurance proceeds shall be applied to the sums 

secured by this Security Instrument, whether or not then due, with the excess, if any, paid to 

Borrower. Such insurance proceeds shall be applied in the order provided for in Section 2. · 

If Borrower abandons the Property, Lender may file, negotiate and settle any available 

insurance claim and related matters. If Borrower does not respond within 30 days to a 

notice from Lender that the insurance carrier has offered to settle a claim, then Lender may 

negotiate and settle the claim. The 30-day period will begin when the notice is given. In 

either event, or if Lender acquires the Property under Section 22 or otherwise, Borrower 

hereby assigns to lender (a) Borrower's rights to any insurance proceeds in an amount not 

to exceed the amounts unpaid under the Note or this Security Instrument, and (b) any other 

of Borrower's rights (other than the right to any refund of unearned premiums paid by 

Borrower) under all insurance policies covering the Property, insofar as such rights are 

applicable to the coverage of the Property. Lender may use the insurance proceeds either 

to repair or restore the Property or to pay amounts unpaid under the Note or this Security 

Instrument, whether or not then due. 

6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's 

principal residence within 60 days after the execution of this Security Instrument and shall 

confinue to occupy the Property as Borrower's principal residence for at least one year after 

the date of occupancy, unless lender otherwise agrees in writing, which consent shall not 

be unreasonably withheld, or unless extenuating circumstances exist which are beyond 

Borrower's control. 

7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall 

not destroy, damage or impair the Property, allow the Property to deteriorate or commit 

waste on the Property. Whether or not Borrower is residing in the Property, Borrower shall 

maintain the Property in order to prevent the Property from deteriorating or decreasing in 

value due to Its condition. Unless it is determined pursuant to Section 5 that repair or 

restoration is not economically feasible, Borrower shall promptly repair the Property if 

damaged to avoid further deterioration or damage. If insurance or condemnation proceeds 

are paid in connection with damage to, or the taking of, the Property, Borrower shall be 

responsible for repairing or restoring the Property only if lender has released proceeds for 

such purposes. Lender may disburse proceeds for the repairs and restoration in a single 

payment or in a series of progress payments as the work is completed. If the insurance or 

condemnation proceeds are not sufficient to repair or restore the Property, Borrower is not 

relieved of Borrower's obligation for the completion of such repair or restoration. 

Lender or its agent may make reasonable entries upon and inspections of the Property. 

If it has reasonable cause, Lender may inspect the interior of the improvements on the 

Property. lender shall give Borrower notice at the time of or prior to such an interior 

inspection specifying such reasonable cause. 

SFl08 Rev 0ll/11/00 Page e of 18 Initials: =;t;_ 

Case 19-24331-PDR Doc 137 Filed 06/01/21 Page 8 of 18
CFN # 104922671, OR BK 39474 PG 1080, Page 9 of 19 

8. Borrower's Loan Application. Borrower shall be in default if, during the Loan 

application process, Borrower or any persons or entities acting at the direction of Borrower 

or with Borrower's knowledge or consent gave materially false, misleading, or inaccurate 

information or statements to Lender (or failed to provide Lender with material information) 

in connection with the Loan. Material representations include, but are not limited to, 

representations concerning Borrower's occupancy of the Property as Borrower's principal 

residence. 

9. Protection of Lender's Interest in the Property and Rights Under this Security 

Instrument. If (a) Borrower fails to perform the covenants and agreements contained in this 

Security Instrument, (b) there is a legal proceeding that might significantly affect Lender's 

interest in the Property and/or rights under this Security Instrument (such as a proceeding 

in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may 

attain priority over this Security Instrument or to enforce laws or regulations), or (c) 

Borrower has abandoned the Property, then Lender may do and pay for whatever is 

reasonable or appropriate to protect Lender's interest in the Property and rights under this 

Security Instrument, including protecting and/or assessing the value of the Property, and 

securing and/or repairing the Property. Lender's actions can include, but are not limited to: 

(a) paying any sums secured by a lien which has priority over this Security Instrument: (b) 

appearing in court: and (c) paying reasonable attorneys' fees to protect its interest in the 

Property and/or rights under this Security Instrument, including its secured position in a 

bankruptcy proceeding. Securing the Property includes, but is not limited to, entering the 

Property to make repairs, change locks, replace or board up doors and windows, drain 

water from pipes, eliminate building or other code violations or dangerous conditions, and 

have utilities turned on or off. Although Lender may take action under this Section 9, Lender 

does not have to do so and is not under any duty or obligation to do so. It is agreed that 

Lender incurs no liability for not taking any or all actions authorized under this Section 9. 

Any amounts disbursed by Lender under this Section 9 shall become additional debt of 

Borrower secured by this Security Instrument. These amounts shall bear interest at the 

Note rate from the date of disbursement and shall be payable, with such interest, upon 

not1ce from Lender to Borrower requesting payment. 

If this Security Instrument is on a leasehold, Borrower shall comply with all the 

l)rovisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the 

fee title shall not merge unless Lender agrees to the merger in writing. 

10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of 

making the Loan, Borrower shall pay the premiums required to maintain the Mortgage 

Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender 

ceases to be available from the mortgage insurer that previously provided such insurance 

and Borrower was required to make separately designated payments toward the premiums 

for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage 

substantially equivalent to the Mortgage Insurance previously in effect. at a cost 

substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in 

effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent 

Mortgage insurance coverage is not available, Borrower shall continue to pay to Lender the 

amount of the separately designated payments that were due when the insurance coverage 

SFL09 Rev 09/11 /00 Page 9 of 18 lni1ials: FORM 3010 1/01 

d/1 

Case 19-24331-PDR Doc 137 Filed 06/01/21 Page 9 of 18
CFN # 104922671, OR BK 39474 PG 1081, Page 10 of 19 

ceased to be in effect. Lender will accept, use and retain these payments as a 

non-refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be 

non-refundable, notwithstanding the fact the the Loan Is ultimately paid in full, and Lender 

shall not be required to pay Borrower any interest or earnings on such loss reserve. 

Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the 

amount and for the period that Lender requires) provided by an insurer selected by Lender 

again becomes available, is obtained, and Lender requires separately designed payments 

toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a 

condition of making the Loan and Borrower was required to make separately designed 

payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums 

required to maintain Mortgage Insurance in effect, or to provide a non-refundable loss 

reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any 

written agreement between Borrower and Lender providing for such termination or until 

termination is required by Applicable Law. Nothing in this Section 10 affects Borrower's 

obligation to pay interest at the rate provided in the Note. 

Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for 

certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not 

a party to the Mortgage Insurance. 

Mortgage insurers evaluate their total risk on all such insurance in force from time to 

time, and may enter into agreements with other parties that share or modify their risk, or 

reduce losses. These agreements are on terms and conditions that are satisfactory to the 

mortgage insurer and the other party (or parties) to these agreements. These agreements 

may require the mortgage insurer to make payments using any source of funds that the 

mortgage insurer may have available (which may include funds obtained from Mortgage 

Insurance premiums). 

As a result of these agreements, Lender, any purchaser of the Note, another insurer, 

any reinsurer, any other entity, or any affiliate of any of the foregoing, may receive (directly 

or indirectly) amounts that derive from (or might be characterized as) a portion of 

Borrower's payments for Mortgage Insurance, in exchange for sharing or modifying the 

mortgage insurer's risk, or reducing losses. If such agreement provides that an affiliate of 

Lender takes a share of the insurer's risk in exchange for a share of the premiums paid to 

the insurer, the arrangement is often termed •captive reinsurance." Further: 

· (a) Any such agreements will not affect the amounts that Borrower has agreed to pay 

for Mortgage Insurance, or any other terms of the Loan. Such agreements will not increase 

the amount Borrower will owe for Mortgage Insurance, and they will not entitle Borrower to 

any refund. 

(b) Any such agreements will not affect the rights Borrower has - if any • with respect 

to the Mortgage Insurance under the Homeowners Protection Act of 1998 or any other law. 

These rights may Include the right to receive certain disclosures, to request and obtain 

cancellation of the Mortgage Insurance, to have the Mortgage Insurance terminated 

automatically, and/or to receive a refund of any Mortgage Insurance premiums that were 

unearned at the time of such cancellation or termination. 

SFL10 Rev 09/11/00 Page 10 of 18 Initials: -~t 

Case 19-24331-PDR Doc 137 Filed 06/01/21 Page 10 of 18
CFN # 104922671, OR BK 39474 PG 1082, Page 11 of 19 

11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds 

are hereby assigned to and shall be paid to Lender. 

If the Property is damaged, such Miscellaneous Proceeds shall be applied to 

restoration or repair of the Property, if the restoration or repair is economically feasible and 

Lender's security is not lessened. During such repair and restoration period, Lender shall 

have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to 

inspect such Property to ensure the work has been completed to Lender's satisfaction, 

;: ~;·::~; ;.! ::;.:.: ::;.:.!'; ;;:spectlon shall be undertaken promptly. Lender may pay for the repairs 

.. ~.d ;estoration in a single disbursement or in a series of progress payments as the work is 

completed. Unless an agreement is made in writing or Applicable Law requires interest to 

be paid on such Miscellaneous Proceeds, Lender shall not be required to pay Borrower any 

interest or earnings on such Miscellaneous Proceeds. If the restoration or repair is not 

economically feasible or Lender's security would be lessened, the Miscellaneous Proceeds 

shall be applied to the sums secured by this Security Instrument, whether or not then due, 

with the excess, if any, paid to Borrower. Such Miscellaneous I';.;;.:. .. .:..:::. ;;~ • .::: !:;;; .:.;..;..::_.:: ;;; 

the order provided for in Section 2. 

In the event of a total taking, destruction, or loss in value of the Property, the 

Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, 

whether or not then due, with the excess, if any, paid to Borrower. 

In the event of a partial taking, destruction, or loss in value of the Property in which the 

fair market value of the Property immediately before the partial taking, destruction, or loss 

in value is equal to or greater than the amount of the sums secured by this Security 

Instrument immediately before the partial taking, destruction, or loss in value, unless 

Borrower and Lender otherwise agree in writing, the sums secured by this Security 

Instrument shall be reduced by the amount of the Miscellaneous Proceeds multiplied by the 

following fraction: (a) the total amount of the sums secured immediately before the partial 

taking, destruction, or loss in value divided by (b) the fair market value of the Property 

immediately before the partial taking, destruction, or loss in value. Any balance shall be 

paid to Borrower. 

In the event of a partial taking, destruction, or loss in value of the Property in which 

the fair market value of the Property immediately before the partial taking, destruction, or 

loss in value is less than the amount of the sums secured immediately before the partial 

takfng, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, 

the Miscellaneous Proceeds shall be applied to the sums secured by this Security 

Instrument whether or not the sums are then due. 

If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that 

the Opposing Party (as defined in the next sentence) offers to make an award to settle a 

claim for damages, Borrower fails to respond to Lender within 30 days after the date the 

notice is given, Lender is authorized to collect and apply the Miscellaneous Proceeds either 

to restoration or repair of the Property or to the sums secured lly this Security Instrument, 

whether or not then due. "Opposing Party• means the third party that owes Borrower 

Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard 

to Miscellaneous Proceeds. 

SFL11 Rev 11/02/00 Page 11 of 18 Initials: 

, ..... '-l!JCase 19-24331-PDR Doc 137 Filed 06/01/21 Page 11 of 18
CFN # 104922671, OR BK 39474 PG 1083, Page 12 of 19 

Borrower shall be in default if any action or proceeding, whether civil or criminal, is 

begun that, in Lender's judgment, could result in forfeiture of the Property or other material 

impairment of Lender's interest in the Property or rights under this Security Instrument. 

Borrower can cure such a default and, if acceleration has occurred, reinstate as provided in 

Section 19, by causing the action or proceeding to be dismissed with a ruling that, in 

Lender's judgment, precludes forfeiture of the Property or other material impairment of 

Lender's interest in the Property or rights under this Security Instrument. The proceeds of 

any award or claim for damages that are attributable to the impairment c~ !...::;:~::-': :~.~=~==~ 

in the Property are hereby assigned and shall be paid to Lender. 

All Miscellaneous Proceeds that are not applied to restoration or repair of the Property 

shall be applied in the order provided for in Section 2. 

12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time 

for payment or modification of amortization of the sums secured by this Security Instrument 

granted by Lender to Borrower or any Successor in Interest of Borrower shall not operate to 

~:::;;~a the liability of Borrower or any Successors in Interest of Borrower. Lender shall not 

be required to commence proceedings against any Successor in Interest of Borrower or to 

refuse to extend time for payment or otherwise modify amortization of the sums secured by 

this Security Instrument by reason of any demand made by the original Borrower or any 

Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or 

remedy including, without limitation, Lender's acceptance of payments from third persons, 

entities or Successors in Interest of Borrower or in amounts less than the amount then due, 

shall not be a waiver of or preclude the exercise of any right or remedy. 

13. Joint and Several Liability; Co-signers; Successors and Assigns Bound. Borrower 

covenants and agrees that Borrower's obligations and liability shall be joint and several. 

However, any Borrower who co-signs this Security Instrument but does not execute the Note 

(a "co-signer"): (a) is co-signing this Security Instrument only to mortgage, grant and convey 

the co-signer's interest in the Property under the terms of this Security Instrument; (b) is not 

personally obligated to pay the sums secured by this Security Instrument; and (c) agrees 

that Lender and any other Borrower can agree to extend, modify, forbear or make any 

accommodations with regard to the terms of this Security Instrument or the Note without the 

co-signer's consent. 

Subject to the provision of Section 18, any Successor in Interest of Borrower who 

assumes Borrower's obligations under this Security Instrument in writing, and is approved 

by Lender, shall obtain all of Borrower's rights and benefits under this Security Instrument. 

Borrower shall not be released from Borrower's obligations and liability under this Security 

Instrument unless Lender agrees to such release in writing. The covenants and agreements 

of this Security Instrument shall bind (except as provided in Section 20) and benefit the 

successors and assigns of Lender. 

14. Loan Charges. Lender may charge Borrower fees for services performed in 

connection with Borrower's default, for the purpo5e of protecting Lender's Interest in the 

Property and rights under this Security Instrument, including, but not limited to, attorneys' 

fees. property inspection and valuation fees. In regard to any other fees, the absence of 

express authority in this Security Instrument to charge a specific fee to Borrower shall not 

be construed as a prohibition on the charging of such fee. Lender may not charge fees that 

are expressly prohibited by this Security Instrument or by Applicable Law. 

SFL.12 Rev 11/02/00 Paga 12 of 18 Initials: -~l?YiCase 19-24331-PDR Doc 137 Filed 06/01/21 Page 12 of 18
CFN # 104922671, OR BK 39474 PG 1084, Page 13 of 19 

If the loan is subject to a law which sets maximum loan charges, and that law is finally 

interpreted so that the interest or other loan charges collected or to be collected in 

connection with the Loan exceed the permitted limits, then: (a) any such loan charge shall 

be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) 

any sums already collected from Borrower which exceeded permitted limits will be refunded 

to Borrower. Lender may choose to make this refund by reducing the principal owed under 

the Note or by making a direct payment to Borrower. If a refund reduces principal, the 

- · ·'- · ·" - -- •· ·'" ~ - •--ated as a partial prepayment without any prepayment charge (whether 

or not a prepayment charge is provided for under the Note). Borrower's acceptance of any 

such refund made by direct payment to borrower will constitute a waiver of any right of 

action Borrower might have arising out of such overcharge. 

15. Notices. All notices given by Borrower or lender in connection with this Security 

Instrument must be in writing. Any notice to Borrower in connection with this Security 

Instrument shall be deemed to have been given to Borrower when mailed by first class mail 

or when actually delivered to Borrower's notice address if sent by other r.;:;:::::. ~: :~:: : '.:: 

any one Borrower shall constitute notice to all Borrowers unless Applicable law expressly 

requires otherwise. The notice address shall be the Property Address unless Borrower has 

designated a substitute notice address by notice to Lender. Borrower shall promptly notify 

Lender of Borrower's change of address. If lender specifies a procedure for reporting 

Borrower' s change of address, then Borrower shall only report a change of address through 

that specified procedure. There may be only one designated notice address under this 

Security Instrument at any one time. Any notice to lender shall be given by delivering it or 

by mailing it by first class mail to Lender's address stated herein unless Lender has 

designated another address by notice to Borrower. Any notice in connection with this 

Security Instrument shall not be deemed to have been given to lender until actually 

received by Lender. If any notice required by this Security Instrument is also required 

under Applicable law, the Applicable Law requirement will satisfy the corresponding 

requirement under this Security Instrument 

16. Governing Law; Severability; Rules of Construction. This Security lnstrume;;t s:.;;:: 

be governed by federal law and the law of the jurisdiction in which the Property is located. 

All rights and obligations contained in this Security instrument are subject to any 

requirements and limitations of Applicable law. Applicable law might explicitly or implicitly 

allow the parties to agree by contract or it might be silent, but such silence shall not be 

construed as a prohibition against agreement by contract. In the event that any provision or 

clause of this Security Instrument or the Note conflicts with Applicable Law, such conflict 

shall not affect other provisions of this Security Instrument or the Note which can be given 

effect without the conflicting provision. 

As used in this Security Instrument: (a) words of the masculine gender shall mean and 

Include corresponding neuter words or words of the feminine gender; (b) words in the 

singular shall mean and include the plural and vice versa; and (c) the word "may" gives 

sole discretion without any obligation to take any action. 

17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security 

Instrument. 

SFL13 Rev 11/02/00 Page 13 of 18 Initials: FORM 3010 1 /01 

fr) 

Case 19-24331-PDR Doc 137 Filed 06/01/21 Page 13 of 18
cm# 104922671, OR BK 39474 PG 1085, Page 14 of 19 

18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this 

Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, 

including, but not limited to, those beneficial interests transferred in a bond for deed, 

contract for deed, installment sales contract or escrow agreement, the intent of which is the 

transfer of title by Borrower at a future date to a purchaser. 

If all or any part of the Property or any Interest in the Property is sold or transferred 

(or if Borrower is not a natural person and a beneficial interest in Borrower is sold or 

transferred) without Lender's prior written consent, Lender may require ir.. ... -~:-~- ,-, .. __ __ _ 

in full of all sums secured by this Security Instrument. However, this option shall not be 

exercised by Lender if such exercise is prohibited by Applicable Law. 

if Lender exercises this option, Lender shall give Borrower notice of acceleration. The 

notice shall provide a period of not less than 30 days from the date the notice is given in 

accordance with Section 15 within which Borrower must pay all sums secured by this 

Security instrument. if Borrower fails to pay these sums prior to the expiration of this 

period, Lender may invoke any remedies permitted by this Security Instrument without 

further notice or demand on Borrower. 

19, Borrower's Right to Reinstate After Acceleration. If Borrower meets certain 

conditions, Borrower shall have the right to have enforcement of this Security Instrument 

discontinued at any time prior to the earliest of: (a) five days before sale of the Property 

pursuant to any power of sale contained in this Security Instrument; (b) such other period as 

Applicable Law might specify for the termination of Borrower's right to reinstate; or (c) entry 

of a Judgment enforcing this Security Instrument. Those conditions are that Borrower: (a) 

pays Lender all sums which then would be due under this Security Instrument and the Note 

as if no acceleration had occurred; (b) cures any default of any other covenants or 

agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, 

but not limited to, reasonable attorneys' fees, property inspection and valuation fees, and 

other fees incurred for the purpose of protecting Lender's interest in the Property and rights 

under this Security Instrument; and (d) takes such action as Lender may reasonably require 

to assure that Lender's interest in the Property and rights under this Security Instrument, 

and Borrower's obligation to pay the sums secured by this Security Instrument, shall 

continue unchanged. Lender may require that Borrower pay such reinstatement sums and 

expenses in one or more of the following forms, as selected by Lender: (a) cash; (b) money 

order; (c) certified check, bank check, treasurer's check or cashier's check, provided any 

such check is drawn upon an institution whose deposits are insured by a federal agency, 

instrumentality or entity; or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, 

this Security Instrument and obligations secured hereby shall remain fully effective as if no 

acceleration had occurred. However, this right to reinstate shall not apply in the case of 

acceleration under Section 18. 

20. Sale of Note; Change of Loan Servicer; Noace or Grievance. The Note or a partial 

interest in the Note (together with this Security Instrument) can be sold one or more times 

without prior notice to Borrower. A sale might result in a change in the entity (known as the 

"Loan Servicer") that collects Periodic Payments due under the Note and this Security 

Instrument and performs other mortgage loan servicing obligations under the Note, 

SFL14 Rev 12/27/00 Page 14 of 18 Initials: -·'"°ifj 

Case 19-24331-PDR Doc 137 Filed 06/01/21 Page 14 of 18
CFN f 104922671, OR BK 39474 PG 1086, Page 15 of 19 

this Security Instrument, and Applicable Law. There also might be one or more changes of 

the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, 

Borrower will be given written notice of the change which will state the name and address 

of the new Loan Servicer, the address to which payments should be made and any other 

information RESPA requires in connection with a notice of transfer or servicing. If the Note 

Is sold and thereafter the Loan is serviced by a Loan Servicer other than the purchaser of 

the Note, the mortgage loan servicing obligations to Borrower will remain with the Loan 

Servicer or be transferred to a successor Loan Servicer and are not assumed by the Note 

purchaser unless otherwise provided by the Note purchaser. 

Neither Borrower nor Lender may commence, join, or be joined to any judicial action 

(as either an individual litigant or the member of a class) that arises from the other party's 

actions pursuant to this Security Instrument or that alleges that the other party has 

breached any provision of, or any duty owed by reason of, this Security Instrument, until 

such Borrower or Lender has notified the other party (with such notice given in compliance 

with the requirements of Section 15) of such alleged breach and afforded the other party 

hereto a reasonable period after the giving of such notice to take corrective action . If 

Applicable Law provides a time period which must elapse before certain action can be 

taken, that time period will be deemed to be reasonable for purposes of this paragraph. 

The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 22 

and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to 

satisfy the notice and opportunity to take corrective action provisions of this Section 20. 

21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" 

are those substances defined as toxic or hazardous substances, pollutants, or wastes by 

Environmental Law and the following substances: gasoline, kerosene, other flammable or 

toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials 

containing asbestos or formaldehyde, and radioactive materials; (b) "Environmental Law" 

means federal laws and laws of the jurisdiction where the Property is located that relate to 

health, safety or environmental protection; (c) "Environmental Cleanup" includes any 

response action, remedial action, or removal action, as defined in Environmental Law; and 

(d} ah "Environmental Condition• means a condition that can cause, contribute to, or 

otherwise trigger an Environment Cleanup. 

Borrower shall not cause or permit the presence, use, disposal, storage, or release of 

any Hazardous Substances, or threaten to release any Hazardous Substances, on or in the 

Property. Borrower shall not do, nor allow anyone else to do, anything affecting the 

Property (a) that Is in violation of any Environmental Law, (b) which creates an 

Environmental Condition, or (c) which, due to the presence, use, or release of a Hazardous 

Substance, creates a condition that adversely affects the value of the Property. The 

preceding two sentences shall not apply to the presence, use, or storage on the Property of 

small quantities of Hazardous Substances that are generally recognized to be appropriate to 

normal residential uses and to maintenance of the Property (including, but not limited to, 

hazardous substances in consumer products). 

SFLt5 Rev 09/11/00 Page 15 of 18 Initials: ,ro~j --.. ~ 

Case 19-24331-PDR Doc 137 Filed 06/01/21 Page 15 of 18
CFN # 104922671, OR BK 39474 PG 1087, Page 16 of 19 

Borrower shall promptly give Lender written notice of (a) any investigation, claim, 

demand, lawsuit or other action by any governmental or regulatory agency or private party 

involving the Property and any Hazardous Substance or Environmental Law of which 

Borrower has actual knowledge, (b) any Environmental Condition, including but not limited 

to, any spilling, leaking, discharge, release or threat of release of any Hazardous Substance, 

and (c) any condition caused by the presence, use or release of a Hazardous Substance 

which adversely affects the value of the Property. If Borrower learns, or is notified by any 

governmental or regulatory authority, or any private party, that any removal or other 

remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall 

promptly take all necessary remedial actions in accordance with Environmental Law. 

Nothing herein shall create any obligation on Lender for an Environmental Cleanup. 

NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as 

follows: 

22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration 

following Borrower's breach of any covenant or agreement in this Security Instrument (but 

not prior to acceleration under Section 18 unless Applicable Law provides otherwise). The 

notice shall specify: (a) the default; (b) the action required to cure the default (c) a date, 

:::~ '.::.: ~::.--: :~ ~-::.,3 from the date the notice Is given to Bonuwer, by which the default 

;;;~t be cured; and (d) that failure to cure the default on or before the date specified in the 

notice may result In acceleration of the sums secured by this Security Instrument, 

foreclosure by Judicial proceeding and sale of the Property. The notice shall further inform 

Borrower of the right to reinstate after acceleration and the right to assert In the foreclosure 

proceeding the non-existence of a default or any other defense of BorTower to acceleration 

and foreclosure. If the default is not cured on or before the date specified in the notice, 

Lender at its option may require Immediate pay:;;::::! :~- ~::'.'. ::~ ::.'.'. :::::-.: : ::::~: :'. '..:; '.'. .': 

Security Instrument without further demand and may foreclose thi;. S;;.;;.;,;;::-; : .. ..;: ..;:·;,.;.;.: :., 

judicial proceeding. Lender shall be entitled to collect all expenses lncun'ecl in pursuing the 

remedies provided In this Section 22, Including, but not limited to, reasonable attorneys' fees 

and costs of title evidence. 

23. Release. Upon payment of all sums secured by this Security Instrument, Lender 

shalt release this Security Instrument. Borrower shall pay any recordation costs. Lender 

may charge Borrower a fee for releasing this Security Instrument, but only If the fee is paid 

to a third party for services rendered and the charging of the fee is permitted under 

Applicable Law. 

24. Attorneys' Fees. As used in this Security Instrument and the Note, attorneys' fees 

shall include those awarded by an appellate court and any attorneys' fees incurred in a 

bankruptcy proceeding. 

25. Jury Trial Waiver. The Borrower hereby waives any right to a trial by jury in any 

action, proceeding, claim, or counterclaim, whether in contract or tort, at law or in equity, 

arising out of or in any way related to this Security Instrument or the Note. 

SFL16 Rev 09/11/00 Page 16 or ts lni1iafs· 

--:if✓ 

Case 19-24331-PDR Doc 137 Filed 06/01/21 Page 16 of 18
CFN # 104922671, OR BK 39474 PG 1088, Page 17 of 19 

BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in 

this Security Instrument and in any Rider executed by Borrower and recorded with it. ,;1~-.,~·· _

~.~A,.~. ~-, A ~ Borrower 

561 60 AVE 

PLANTATION, FL 33317 

SFL17 Rev 12/27/00 Page nor 18 Initials: FORM 31110 1/01 

Case 19-24331-PDR Doc 137 Filed 06/01/21 Page 17 of 18
CFN # 104922671, OR BK 39474 PG 1089, Page 18 of 19 

STATE OF FLORIDA, BRO'lARD 

This foregoing instrument was acknowledged before me this 

RALPH L SANDERS, AN UNMARRIED MAN 

Countyss: 

April 11, 2005 by 

who is personally known to me or who has produced cJ ,•frll;,/~nlificalion· .

SFL18 Rev 10/18/00 Paga 18 of 18 Initials: 

. ,, Deborah A. watarz 

\Commission # Dll084515 ·~ l!Sl>irfS Feb. 20, 2006 ; Jonded "!1lru 

Atlalllk llond!Ag Co., lK. 

FORM 3010 1/01 

Case 19-24331-PDR Doc 137 Filed 06/01/21 Page 18 of 18