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LAND USE Initial Application Date 3/2 s I Application # N / ✓ O� Z f o ,/ 2r CU# COUNTY OF HARNETT RESIDENTIAL LAND USE APPLICATION Central Permitting 108 E Front Street Lillington NC 27546 Phone (910) 893 7525 ext 2 Fax (910) 893 2793 www harnett org /permits "A RECORDED SURVEY MAP RECORDED DEED (OR OFFER TO PURCHASE) & SITE PLAN ARE REQUIRED WHEN SUBMITTING A LAND USE APPLICATION" LANDOWNER Todd A & Jody Clayman Mailing Address 927 Lakerldge Drive City Cameron State NC Zip 28326 Contact No (919) 770 2218 Email todd a clayman @us army mil APPLICANT* Todd Clayman Mailing Address 927 Lakendge Drive City Cameron State NC Zip 28326 Contact No (919) 770 2218 Email todd a clayman @us army mil PI ill t pplca t nt rm h fddf re tth I dow CONTACT NAME APPLYING IN OFFICE Todd Clayman Phone # (919) 770 2218 PROPERTY LOCATION Subdivision Mire Branch Estates Lot # 158 Lot Size / p State Road # / L 9/ State Road Name foil ale / '59 /9 / Map Book & Page g' t/ / 2 ' Z Y Parcel 09956601 0001 32 , I // PIN 9566 4780 000 Zoning 4 tczO/Flood Zone Watershed Ni' f � Deed Book & Page L 7 // / 7L Power Company Central Electric New structures with Progress Energy as service provider need to supply premise number from Progress Energy PROPOSED USE M Iti ❑ SFD (Size x ) # Bedrooms _ # Baths _ Basement(w/wo bath) _ Garage _ Deck _ Crawl Space _ Slab _ Slab (Is the bonus room finished? (_) yes ( J no w/ a closet? ( ) yes (J no Of yes add in with # bedrooms) ❑ Mad (Size x ) # Bedrooms_# Baths_ Basement (wlwo bath)_ Garage _ Site Built Deck _ On Frame_ Off Frame_ (Is the second floor finished? (_) yes Lj no Any other site built additions? (_J yes L j no ❑ Manufactured Home SW _DW _TW (Size x ) # Bedrooms _ Garage _(site built? ) Deck _(site built ?_) ❑ Duplex (Size _x ) No Buildings No Bedrooms Per Unit ❑ Home Occupation # Rooms G 5"b ref Hours of Operation #Employees Addition/Accessory/Other (Size r Ix r )) Use ✓ / ref V /.(IC Closets in addition? (i yes no er Supply County Existing Well _ New Well (# of rigs using well ) Must have operable water before final Sewage Supply _ New Septic Tank (Complete Checklist) Existing Septic Tank (Complete Checklist) County Sewer Does owner of this tract of land own land that contains a manufactured home within five hundred feel (500) of tract listed above? (J yes (jJ no Does the property contain any easements whether underground or overhead ( ) yes ( ✓) no Structures (e sting or proposed) Single fam ly dwell ngs Manufact red Homes Other (specify) Required Re identral Property L ne Setbacks Comments Front Minimum 34 / ~ Actual ��j Rear 25~ � AA Closest Side /d / P 2 Sidestreeticorner lot Nearest Building on same lot 03/11 R de t al L id Use Appi cat o P ge 1 of 2 APPLICATION CONTINUES ON BACK SPECIFIC DIRECTIONS TO THE PROPERTY FROM LILLINGTON Start out going EAST on E FRONT ST toward 2ND ST /S 2ND ST Turn RIGHT onto 2ND ST /S 2ND ST Turn RIGHT onto E KILLIEGREY ST Turn LEFT onto S MAIN ST /US- 401 /NC 210 /NC 27 Turn RIGHT onto W OLD RD /NC 27 W /NC 27 Continue to follow NC 27 W /NC 27 for 19 miles Turn RIGHT onto MIRE BRANCH DR Turn LEFT onto LAKERIDGE DR Turn RIGHT onto BROOKRIDGE DR Turn LEFT onto LAKERIDGE DR 927 LAKERIDGE DR is on the RIGHT If permits are granted I agree to conform to all ordinances and laws of the State of North Carolina regulating such work and the specifications of plans submitted 1 hereby state that foregoing statements are accurate and correct to the best of my knowledge Permit subject to revocation if false information Is provided c, 4 3 /2-W7'/ Signature of Ow r or Owner's Agent Date It Is the ownerlappllcants responsibility to provide the county with any applicable Information about the subject property Including but not limited to boundary Information house location underground or overhead easements etc The county or Its employees are not responsible for any Incorrect or missing information that is contained within these applications *This application expires 6 months from the Initial date if permits have not been Issued Res dent al L nd Use Appl c t o i Page 2 of 2 03/11 SITE PLAN APPROVAL l ib Q� DISTRICT • U ! USE ° T rJ 1 .--- 3 0 *BEDROOMS 2 -2( -11 Zoning Administrator Hato t i.-- --- ` / f ___-; s itilled 4 (2 %4o #tor iii 1 r 1 c r i ‘, l z __ t.,„ i e_ ;tKeC _________ NAME APPLICATION # h 4 L.' / f0 ,. *This application to be filled out when applying for a septic system inspection * County Health Department Application for Improvement Permit and/or Authorization to Construct IF THE INFORMATION IN THIS APPLICATION IS FALSIFIED CHANGED OR THE SITE IS ALTERED THEN THE IMPROVEMENT PERMIT OR AUTHORIZATION TO CONSTRUCT SHALL BECOME INVALID The permit t al d for etthe 60 month r vi th t exp at depend ng upon doe mentau n Hutted (Complete to plan = 60 o th C mplet plat = with t pirate ) i I [ " / 910 893 7525 option 1 CONFIRMATION # / Y� ❑ Environmental Health New Septic SystemCode 800 All property Irons must be made visible Place pink property flags on each corner iron of lot All property lines must be clearly flagged approximately every 50 feet between corners Place orange house corner flags at each corner of the proposed structure Also flag driveways garages decks out buildings swimming pools etc Place flags per site plan developed at/for Central Permitting Place orange Environmental Health card in location that is easily viewed from road to assist in locating property If property is thickly wooded Environmental Health requires that you clean out the undergrowth to allow the soil evaluation to be performed Inspectors should be able to walk freely around site Do not grade property All lots to be addressed within 10 business days after conhrmahon $25 00 return trip fee may be incurred for failure to uncover outlet lid. mark house corners and property lines, etc once lot confirmed ready After preparing proposed site call the voice permitting system at 910 893 7525 option 1 to schedule and use code 800 (after selecting notification permit if multiple permits exist) for Environmental Health inspection Please note confirmation number given at end of recording for proof of request Use Click2Gov or IVR to verify results Once approved proceed to Central Permitting for permits Environmental Health Existing Tank Inspections Code 800 1\ Follow above instructions for placing flags and card on property Prepare for Inspection by removing soil over outlet end of tank as diagram indicates and lift lid straight up (if possible) and then put lid back in place (Unless Inspection is for a septic tank in a mobile home park) DO NOT LEAVE LIDS OFF OF SEPTIC TANK After uncovering outlet end call the voice permitting system at 910 893 7525 option 1 & select notification permit if multiple permits then use code 800 for Environmental Health inspection Please note confirmation number given at end of recording for proof of request Use CIIck2Gov or IVR to hear results Once approved proceed to Central Permitting for remaining permits SEPTIC If applying f x authorization t con truct please indi ate de ired )stem type( ) can be ranked to order of preference m t ch se one [_} Accepted (_) Innovative { Conventionil f_} Any {_1 Alternative (_) Other The applicant shall notify the local health department upon submittal of this application if any of the following apply to the property in question If the answer is yes applicant MUST ATTACH SUPPORTING DOCUMENTATION {_ }YES ( NO Does the site contain any Jun dictional Wetlands ( 1_1 NO Do you plan to have an irneanon system now or in the future' (_)YES ( _ ) NO Does or will the building contain any drains Please explain ( }YFS ( — NO Are there any existing wells spnngs waterline or Wastewater Systems on this property' {_ }YES ( _) NO Is any wastewater going to be generated on the site other than domestic ewage (_)YES (_) NO Is the site subject to approval by any other Public Agency {_ }YES (_) NO Are there any Easements or Right of Ways on this property (_)YES I —} NO Does the site contain any existing water cable phone or underground electric lines It yes please call No Cut at 800 612 4949 to locate the lines This is a free er ice I Have Read Tht Appl cation And Certify That The Information Provided Herein Is True Complete And Correct Authonzed C unq And State OMc als Are Cranted Right Of Fntry To C nduct Ne essa v In pect ns T Determim Compl ante With Applicable Laws And Rules I Understand That I Am S lely Resp nsible For The Proper Identification And I abeling Of All Property I Inc And Corners And Making The Site Accessible So That A Complete S to F aluat on Can Be Performed 7/ �/� I A - Ss S PROPERTY OWNERS OR OWNERS LECAL REPR • : ' ATIV SI( NATURE (REQUIRED) DATE 10 /10 7 jI N P lIIIiii FOR aN_ 70N iar OF eesoe NI 8 NW TT COUNTY 2018 JAN a 83 3# 36 PM 8K 1711 as 784 FEE O8O (/ INSiIII f 18f 1i 1Y18 0 Tae r ' DEED OF TRUST Jeffrey : 1300 t a .: t „ tc 1. Fayetteville N r 2 : Our FBe Nam r . - I � a e s a P Re. ��s d Prepared By La a yu tiy• - 10750 MoDaraott ' San Antonio Tx : Jeffrey E Rao f 1 " _ MIN 1001056000287249 DEFINITIONS Words used in multiple sectro of , : are defined below and other words are defined in Secttons 3 1l 13 18 20 and : regarding the wage of words used in this document are also provided In Section 16 (A) Security Instrument means tin document wh 4. mat uary 28 2010 together with all Riders to this document (B) "Borrower is TODD A CLAYMAN : • • • Of C •.' -. Husband and Wife 0 Borrower is the stator under this Security Instrument 0 (C) Lender Is out Federal Savings sank Lender is a federally chartered savings bank organized and existing under the laws of the United States of , 1 .h Lender a address is 10750 McDermott Freeway San Anton - < i (C I) The name of the Mortgage Broker to Marisa Roberta �� ranaz� mamma Form %1A1 N q®CAROUNA Shia Fernery Pm NMF FOS Mw NRaRN WS RUmENT wR W nev 1 N WaA 'CI d�a Aar 1856 W an Sow* la✓dd5 h. C O 110 I et , (D Trustee Is Michael J Broker (' ' , a'RS is Mortgage Electronic Registration Systems Inc MERS is a separate corporation that is 14111 . 1 a as nominee for Lender and Lender s successors and assigns MFRS Is the beneficiary z. t 1 .:. ,1 Instrument MERS is organised and existing under the laws of Delaware and has an . ,. , . • 1 mber of P 0 Box 2026 Pimt M148501 2026 tel (888) 679 -MFRS Q) e mean: . 1 iasory note signed by Borrower and dated January 28 2010 ' . st es . ' r awes Lender One Hundred Sixty Vivo Thousand And g o/de • Dollars ) plus interest Borrower has promised to pay this debt in regular Pestle Pa . • full not later than Pabruary 01 2040 (C) .: .roperty that is described below under the heading Transfer of Rights in the • an (pan i.• • bt e' • by the Note plus Interest any prepayment charges and late charges due under th. • • • . • . • due under this Security Instrument plus Interest (I) "Alden -, Rtd s t• instrument that are executed by Borrower The following Riders are to be • ec : by : k box as applicable] El Adjustable Ram R • • • i '- Drum Rider ❑ Second Home Rider Balloon Rider PI 1 • t Development Rider 0I 1-4 Family Ruler VA Rider r Bi • . 1. ' . i ment • ides ❑ Other(s) (specify) (J) Applicable Law means — • r applicable ral state and local statutes regulations ordinances and administrative ales • . 'era (That hay • • e • • et of law) as well as all applicable final non- appealable judicial opinions (10 Community Association Dues Fees and -. all dues fees assessments and other charges that are unposed on Borrower or 1 P a •..ndomimum association homeowners association or similar maturation L) 'Electronic Funds Transfer' means s other than a lraneacdo0 onginated by check l men computer or uttagneticc tape so as to o is mi • cc or au rite la� telephonic nan ctal insdtutlont debit or credit an account Sut•h term includes but is not .it- o 1 i t -of -sale transfers automated teller machine transactions transfers Initiated by teleph• 1 - rs and automated clearinghouse Transfers I (N) Escrow Items meats those Items that are descri • - • • - • damages or proceeds paid (N) MIscallimeous Proceeds means any compenaanon settle by any third party (other than insurance preceeds paid under i • eta:. • •. nbed in Section 5) for p) damage to or desuucuon of the Property 00 condemnaUo • all or any part of the Property (ni) conveyance in lieu of condemnation or (iv) mi - at ' omissions u to the value andlorcondinon of the Property for default on (0) Mortgage Insurance means insurance protecting Lender agan the Loan a) . i under the (P) Periodic payment means the regularly scheduled amount due for , Note plus (u) any amounts under Section 3 of this Secunry Instrument N 1 '111224 OM C T F.1111 ' ci csos NOM CAROLINA air.�1 F.1rir P m. MwiT.�db Mm agrOla.1 DSTauMeNT wRN Meld o.d 61 T.'W WAD a YAtl n 7 6111 wa1n area.« n WA Son w 0 0 9 RESPA means the Real Estate Settlement Preadurm Act (12 U S C Section 2601 et mg ) and its ,.1.1emenu ion ng legatat Regulation X (24 C F R Part 3500) as they might be amended from time to . ny additional or successor legislation or regulation that governs the same subject matter M used in t my Instrument Insment RESPA refers to all requirements and restrictions that are imposed in regard . +Ily related mortgage loan even H the Loan does not quality as a federally related mortgage unr o . • of Borrower means any party that has taken dile to the Property whether or , assu ,1 -, �. rrower s obligation under the Note and/or this Security Instrument TRANS : 0 • I C . • Tgt:YHE PROPERTY The ,‚!S�unty Instrument is MERS (solely as nominee for Lender and Lender s • successors and assigns of MERS The Security Insrument secures to Lender (p Loan and all renewals extensions and modifications of the Note and (a) the • 1 •f B• • r s ants and agreements under this Seventy Instrument and the Note For this . 1i •, , no ly grants and conveys to Tnutee and Tnistee a successors and assigns in tru f sale the following descnbed property located in the of Moore [Type of Reoo • c •n] (Name of Recording Jurisdiction] Being all of Lot : of F : anah :states 8eatioa 5 as shown on survey entitled ISi a etch L :potion 3 dated March 1 1993 prepared by Godwin -S••• i - P A and recorded in Plat Cabinet 400 1 glide 228 -C Hornet atrp C 0 Parcel ID Number 09953301 0001 32 u Trendy has the address of 921 Lakeridge Dr (Stoat] Cameron (City C • • : • 26 [Zip Code] ( Property Address ) TO HAVE AND TO HOLD this property unto Trustee and Tres i J .. i "• . .: assigns forever together with all the improvements now or hereafter erected on • ' • , diti am also be and ads Security Instrument hereafter All part of the foregoing All y i, s • ' - un , men 9 21 22 NORIA • CAROLINA alny N iX . F rap F.nnls Ma Redd. Me UNWORN' WITH Y r W I WAS Oad el R anti x I WO3 1001 1 VMS Shan nw an del b W+ u W9re • 7 0 —40 Property Borrower understands and agrees that MBAS holds only legal title to the interests ed by Borrower to Mu Secunty instrument but if necessary to comply with law or custom MEAS nominee for Lender and Lender s successors and assigns) has the nght to exercise any or all of choir res • including but not hnuted to the right to foreclose and sell the Property and to take any action 1 111 I • o Lender including but not limited to releasing and canceling thus Securty Instrument . s • ' 0' • • VENANTS that Borrower is lawfully seised of the estate hereby conveyed and has . 0 ght • . • . • • r • vey the Property and that the Property is unencumbered except for emwnbnuwea of - - i Borro• - .: ants and will defend generally the title to the Property against all claims and - n ,• • sub ectly • brancea of record I is v. •• ' UMENT combines umform covenants for national use and non uniform e • . ens by )unadretion to constitute a umfomi security instrument covering real P•' U • ' • ' • C . 4 Borrower and Lender covenant and agree as follows. I elpal Interest, Escrow Items, Prepayment Charges, and Late Charges Bono• — • . • t principal of and interest on the debt evidenced by the Note and any late es due under the Note Borrower shall also pay fimds for Escrow Items pursuant to io' 3 ' . due under the Note and this Security Instrument shall be made in U S currency Howev r t - • r • �- m ta ant received by Lender as payment under the Note or this Seventy Insaum. • ..- -. o . • aid Lender may require that any or all subsequent payments due under the N• • e and Is uri . • strument be made In one or more of the following forma as selected by Lender • s.. (b .1 . y order (c) certified check bank check treasurer a check or cashier a check provi •any . ,, - . is drawn upon an mammon whose deposits are insured by a federal agency ins. • •.•ta • • i o d) Electronic Funds Transfer p Payments am • • - wed ► .r r w - - veil at the location designated in the Note or at such other location as may • de¢l -• by •rdance whh the notice provisions in Section 15 Lender may return any pa p (brim' •1 rr — i e payment or partial payments are insufficient to a bong the Loan current if •. et • covenant or agreement In this Secunty Instrument and Lender has accelerated the o' te•,rower hereunder pursuant to Section 22 the Lender may accept any payment or partial pa 1 to brio: • Loan current without waiver of any rights hereunder or prejudice to its tights • se such pay ,- or p • al payments In the figure but Lender is not obligated to apply such payments at the ume sir pay . . e accepted If each Periodic Payment is applied as of its scheduled due date then .. • -. need •ay i•tereat on unapplted funds Lender may hold such unapphed funds until Borrower . • pa •.• ri ., the Loan current If Borrower does not do sd within a reasonable period of time • a . r : • r such funds or turthem to under the we Note If not applied earlier such finds will be : • • led •• the o .„ .mng principal balance immediately pnor to foreclosure No offset or aun w• • - • might have now or in the future against Lender shall relieve Borrower from ,:'.u p: a du- under the Note and thia Security Instrument or performing die covenants and agreements this Security Instrument 2 Application of Payments or Proceeds • • t era described in this Section 2 all payments accepted std applied by Lender shill be app led ltf me w 4- • • order of pnority (a) interest due under the Note (b) pimento! due under the Note . •• • ..t • e .4 Section 3 Stich payments shall be applied to each Periodic Payment in the order In w• • . it • .. Any remanung amounts shall be applied first to late charges second to any other amo .••e - ' Security Instrument and than to reduce the principal balance of the Note If Lender receives a payment from Borower for a delln:. at ". od = , •• m which includes a sufficient amount to pay any late charge due the payment may • . - to • • nest payment and the late charge If mom than one Periodic Payment is outstanding I Len. - nd• • ayment received can from Borrower to the repayment of the Periodic Payments If and to - ex at a m mnt paid In 11111 To the extent that any excess exists after the payment Is : • , - • to: •. one e .. shah more Penodnc Payments such excess may be applied to any late charges • e •• • ry p - be applied first to any prepayment charges and then as described to the Note a s sea T•l wmi .0474. s rA MNORN Ode ancM icon, renal 3100 Mr MSVNfOFN WSTRINaNT W TN MWr Dada r�rt yNre.. iroe's` 1 air Was NIWwr FM.KW &gem* a 11111111,157 6. — Any appllcanon of payments Insurance proceeds or Miscellaneous Proceeds to pnncipal due under Note shall not extend or postpone the due dare or change the amount of the Periodic Payments Funds for Escrow Items Borrower shall pay to Lender on the day Periodic Payments are due • err i - Note until the Note n paid in full a sum (the Funds ) to provide for payment of amounts due fb��lll... - and assessments and other Harts which can attain priority over this Security Instrument as a .,c;�e..' en.. br . on the Property (b) leasehold payments or ground rents on the Property if any (c) • • , u I• 4 y . all insurance required by Lender under Section 5 and (d) Mortgage Insurance I pram - if an or gums payable by Borrower to Lender in lieu of the payment of Mortgage • preen 1 1• •Irdatim with the provisions of Section 10 These items are called Escrow I A I ,.t •n or „ any time during the term of the Loan Lender may require that Community I 1 - . • 1 F Assessments of any be escrowed by Borrower and such dues fees and . - all • • • • Item Borrower shall promptly furnish to Lender all notices of amounts 10 be pal. • - • T.� nd • • r shall pay Lender the Funds for Escrow Items unless Lender waives Bono •r a I ay the Funds for any or all Escrow Items Lender may waive Borrower s obligati I to * or Funds for any or all Escrow Items at any time Any such waiver may only be in wntmg . e . • au waiver Borrower shall pay directly when and where payable the amounts due for any • • t • r w , ch payment of Funds has been waived by Lefler and if Lender requires shall furnish to . race ti h such payment within such time period as Lander may require Borrower a obl to 10 c hits and to provide receipts shall for all purposes be deemed to be a covenant • • : nt -• s Security Instrument as the phrase covenant and agreement is used in Section ' , Iigated to pay Escrow Items directly pursuant to a waiver and Borrower fails to pay .. an Escrow item Leader may exercise its rights under Section 9 and pay such amount .•�.,,• • er • all • - be obligated under Section 9 to repay to Lender any such amount Lender may re •• •• .. .. • any or all ll at any b y mot ce ven nn given accordance with Sa ltim 15 i i.+qp y aer ato pay to Lee a Funds such amounts that am then -.0 r • -, on Lender may at any time leaf Fu • nn an arnount (a) sufficient to permit Lender to apply the Funds at the time specified : =•-PA (b) not to exceed the maximum amount a lender can require under RESPA Lender tin: - the amount • undo due on the basis of current data and reasonable estimates of expendmr -. of :. Escrow 1 . s • otherwise in accordance with Applicable Law The Funds shall he held in an rnstitut' •9, who... • • • • • .. rc in is are by a federal agency instrumentality or entity (including Lender if �— err m on shoes deposits am so insured) or in any Federal Home Loan Bank Lender shall •,. ply . • • o .. •, the Escrow Items no later than the tune specified under RESPA Lender shall not •• ....i i. for • • ding and applying the Funds annually anatyang the escrow account or verifying dte •scrow 1 Mess Lender pays Borrower interest on the Funds and Applicable Law permits Lender tom . . . , %I • . an agreement is made in wiring or Applicable Law requires interest to be paid on the Fu. • : • . 1 not be required to pay Borrower any interest or earnings on the Funds Borrower and I • ' • in wrung however that interest shall be paid on the Funds Leader shall give to Bon I I • • • _ an annual accouatmg of the Funds as required by RESPA Lender shall account to If there is a surplus of Funds held in escrow as •.• . of Funds held In escrow as Borrower deflnedunder RESPA Lender shall ottiify Borrower p ss mg • and Borrower shall pay to Lender the amount nrn "..ry in make up the shortage in • • • • h ' ' • P - • in no nwre than 12 monthly payment, If there n a deficiency of Funds held in e • • fn. •• • nde I RESPA Lender shall notify Borrower as required by RESPA and Borrower shall pay t• •.• • the"' necessary to make up the deficiency in accordance with RESPA but in no more than 12 . ••. 1 • • is Upon payment in full of all sums secured by this Security Ins ,• nt _ -;Ira - • • • • ly relltnd to Borrower any Funds held by Lender .: • . - 4. Chariest Ins which can attain pnonty over a Security Insr . :• 1 le. .: 'Id • • meats ts or attributable to the Property • R T s 1 11221 N ORTH r c e m ' 1,01 W. GROLM& 03181 heft M•• M.M•Ma. Ma UNI dIN INSTRWIrM wnN i1EP6 fl•.d ai T.u.t nNYI w PAP , 910031 a Weft RawO ne.a Sombre MUM - 6 . • nd rents on the Property if any and Community Association Dues Fees and Assessments if any To • extent that these items are Escrow items Borrower shall pay them in the manner provided in Section 3 : . . Hower shall pmmpdy discharge any hen which has pnonty aver this Secunty Instrument unless fumy -, (a) agrees in wntang to the payment of the obligation secured by the .ten in a mauler acceptable ro er but only so long as Borrower is performing such agreement (b) contests the hen m good faith • def•nda : •:1 enforcement of the hen in legal Proceedings whirr in Lender s opinion operate to at • ' 4. • of the Ben while those proceedings are pending but only unlit :inch proceedings are • • 0 " d or - • res from the holder of the .ten an agreement satisfactory to Lender subordinating .. a r. du • • torment If Lewder detemilnes that any pan of the Property is subject to a lien w can F, , . • my . r this Sectmty Instrument Lender may give Borrower a notice identifying the 1 .,1 W • in II . a o .• • on which that notice Is given Borrower shall satisfy the hen or take one or . • f t : 110 • se . ,: • ve In t Swoon 4 .•:..r • wer to pay a one-time charge for a real estate tax verification and/or reporti : ,, ' -nder In c onnection with this Loan ' Borrower shall keep the improvements now vesting or hereafter erected on die .. . • : by fire hazards included within the term extended coverage, and any other :, - , united to earthquakes and floods fin which Lender requires insurance Tins insurer C0 I • • • , plat • • m • amounts (including deducable levels) and for the periods that Lender res t ant to the preceding sentences can change during the term of the L n The v. • .• the insurance shall be chosen by Borrower subject to Lender s tight to disappro • : • . ch.. a. which right shall not be exercised unreasonably Lender may require Borrower to pa n ci•,asa -r : • with Ibis Loan either (a) a one -time charge for flood zone determination certifica •on r; • rig . -: or (b) a one -time charge for flood zone determination and certification hon se ,•••• •+• . r... : 0 : es each time renappings or similar changes occur which reasonably might affect se dq...,i • n • r • I .tion Borrower shall also be responsible for the payment of any fees unpo.. %La P- •, • y Management Agency in connection with the review of any Bond zoned h• I9.rgeS • an objection by Borrower If Borrower Ms to main t1 n ••• desc [tactu � L�r m� a in ur usurrance coverage at Lender s option expo gar particular type or amount of cove fore such • .ere shall cover Lender but might or might not protect Borrower Borrower s eeqq In the Prope or the ,• . tents of the Property against any tdsk hazard or lability and might provide greater or .:. .,. .._h. It 1 was previously to effect Borrower acknowledges that the cosii of the insurance •• • ,:e r.�:.� might aignficantly exceed Ole cost of insurance that Borrower could have abed. -• Any , • ^• t .. • -• by Lender under this Sector 3 Shall become additional debt of Borrower secured . • ty 1 • 11. . These amounts shall bear interest at the Note rate from the date of disbursement . d shall be able with such interest, upon novae from Lender to Borrower requesting payment All insurance policies required by Lender and at ails a ch :ohcies shall be subject to Lender s right to disapprove such policies shall include a at: a ag clause and shall name Lender as mortgagee a�or as an additional loss payee Lender .:1• 1 • • to hold the policies and renewal certificates If Lender requites Borrower shall pro , . • give to . • ... - pis of lad premiums and renewal notices. If Borrower obtains any form of inset , • " •::e col o erwiSe required by Lender for damage o or destruction of Ile Property such policy • . . i ( shall name Lender as mortgagee and/or as an additional loss pa - and Lender Lender In the event of loss Borrower shall give prompt notice t. th . may make proof of loss if not made promptly by Borrower LI . -. s r Ic B • vier otherwise agree in wnting any instance proceeds whether or not the underlying 1 "• w • -• by Lender shell be appbed to restoraton or repair of the Property if the restoration o, ". s Ily feasible and Lender s secunty is not lessened .Turing such repair and restoration . nod - ,r r s.. gh hold such insurance proceeds until Lender has had an opportunity to n •..• -• 1st. , -1 to erasure the work has been completed to Lender 5 sanstactlon provided that such[ .... . undertaken promptly Lender may disbwae proceeds for the repairs and restoration in -rf • :, - • • to a lanes naafi O0101141 b handy .d .• 1A1 NORTH CAROLINA a .ryndy Fru! M a? . Mae UNIFORM NSTRUMINT MITN MIRS Ovid a ,Mn ri CIOMOM VM tl Od Wdtn slaw nna.d I Savbvi OCR 0 1 regress payments as the wort is completed Unless an agreement Is made In writing or Applicable Law -, Ines interest to be paid on such ansunnce proceeds Lender shall not be required to pay Borrower any or earnings on such proceeds Fees for public add inters or other third parties retained by orro • shall not be paid out of the insurance proceeds end shall be the sole obligation of Borrower f ehor ion or repair is not econonucally feasible or Lender s security would be lessened the insurance s . 11 be :iii, lied to the sums secured by this Security Instrument whether or not then due with aces pa • to Borrower Such insurance proceeds shall be applied in the order provided for in uo• orrowe a • • • . the Property Lender may file negotiate and settle any available insurance cla , and • : - , lters Borrower does not respond within 30 days to a notice from Lender that the 1 ur • can - has • • -it •• o settle a claim then Lender may negotiate and settle the claim The 30-day •• wi • -•m wh - ' •tux a given In either event, or if Lender acrpntes the Property under Section or ,.•`. • J • ' - hereby assigns to Lender (a) Borrower a nghts to any insurance 1 1 • to exceed ibis amounts unpaid under the Note or this Security Instrument and (b) arty • I .. •< : • , •- er a nghts (other than the right to any refund of unearned premiums paid by Borrower) . ... -T" +. • • sties covering the Property insofar as such rights are applicable to the coverage o i - ' • • sty -, • may use the insurance proceeds either to repair or restore the Property or to pay amounts 1 • • at • 1 nde r the 1 ate o_ s Security Instalment whether or not then due 6 Oecupa' ey Boren - , -r -1- I a establish and use the Property as Borrowers principal residence within 0 d. •a [ter an of this Security Instrument and shall continue to ooaipy the Property as Borro • . c :.I . - 1. for at least one year after the date of occupancy unless Lender otherwise agrees in will : • •. shall not be unreasonably withheld or unless cataloging elrcumsuttcea exist wbt + . er s control lens Borrower shall not 7 Preservation . talon of the Property Inspections destroy damage or impair 1 low . Property to deteriorate shall or commit maintain the Property waste � m Property Whether or not Mt 'rep ray order to prevail the Property - o •ecreasing m value due to Its condmnn Unless it is determined pursuant to Section • • adoration is not economically feasible Borrower shall promptly repair the Property i d - :: -1 avoid fu - deterioration or damage If insurance or eondemnatlon proceeds are paid In • - • n with d: • • or the taking of the Property Borrower shall be responsible for repatnng or -.tong the ' sty onl if lender has released proceeds for such purposes Lender may disburse proceeds for the • re 10 - ..0 in a single payment or in a series of progress payments as the work is completed •• or mnauon proceeds are not sufficient to repair or resoore the Properly Borrower • not •-• Bo • •war s obligation for the completion of suck repast or restoration Lender or its agent may make reasonab entries u,• and inspections of the Property If it has rtwaonable cause lender may inspect the irate • • 9. . e on the property Lender shall give Borrower notice at the time of or prior to such an inteno : • - 'fang n reasonable cause 8 Borrower s Loan AppBcation Borrower sh. 1 t if during the Loan application process Borrower or any persons or entities acting at ••• • of Borrower or with Borrower s knowledge or consent gave materially false misleading or . •- or stamens to Lender (or failed to provide Lender with matenal inform • with the Lan Material representations include but are not limited m representatt. I : B rower s occupancy of the Property as Borrower s pnncipal residents 9 Protection of Leader a Interest In the Property and e nd - 1 instrument ant If i s aB egal pro that might significantly affect Leender not •-, . Bus P .1n httss)under this Security Instrument (such as a proceeding in bankruptcy probate • r •" - , .• fro or forfeiture for enforcement of a lien which may attain pnority over this Securi his • - I • • laws or regulations) or (c) Borrower has abandoned the Property theft - y do •r whatever is reasonable or appropnate to protect Lender s interest in the Property : • is Seventy Instrument including protecting and/or assessing the value of the Prape repairing wr 5224 40401165 • 1101 1105 11 COMM SIn 1 ram ly Fen 1 M OF addle Mae uNIronM IMSTRUMENT WITH MEa6 Deed et TN - • i {C40 i wenn KW M Mein! 1 •eMeee Ind 7 0 1110dAll7 6 Property Lender s actions can include but are not limited to (a) paying any mums secured by a lien 1 .4 has pnonty ova this Seeunty Instrument (b) ap)ieanng in court and (c) paying reasonable 1 • meys fees to protect its interest in the Property and/or nghts tinder this Secunty Iastntment including - I .• posidon in a bankruptcy proceeding Securing a Property includes but is not limited to en - • . Property to make repairs change locks replace or board up doors and windows drain water eliminate building or other code violations or dangerous conditions and have utilities turned • off • •• • • i I. nder may take action under this Section 9 Lender does not have to do so and tin not under • or Ibli don to do so It is agreed that Lender incurs no Irsbihty for not taking any or all ... it • ,.1 u .• • is Section 9 • ray , , • s• r - by Lander under this Section 9 shall become additional debt of Borrower • • red un • : .. t These 'mourns shall bear interest at the Note rate from the date of ilia . . - ' le with such interest upon notice from Lander to Borrower requesting a p this nit •. psent is on a leasehold Borrower shall comply with all the provisions of the lease 1 : airs • - •• 1i -. fee tide to the Property the leasehold and the fee title shall not merge unless Lender a: to wnhng 10 •• nonce. f Lender required Mortgage Insurance as a condition of making the Loan Borrower ah the • -"t, m- reguir,• to maintain the Mortgage Insurance in effect If for any reason the Mortgage 1 : r •• cov• 11 re •�y Lender ceases to be available from the mortgage mum that t previously ward s ilo prom A fe - nsurance a Borrower shall pay the separately remiu s required to obtain cover substantially -ortgage Insurance previously in effect at a cost substantially equivalent to the cost •f ' • Mortgage Insurance previously in effect from an alternate insurer select f tally equivalent Mortgage insurance coverage is not available Borrower shall co u- off' to • • e • amount of the separately designated payments that were due when the man 1..: c .: -1 • be . effect Lauder will accept use and retain these payments as a non•refundabr. 4 N ., f • • mat under Applicable Law in lieu of Mortgage insurance Such loss reserve : • - o • fun. • le rotwithatanding she fact ilia the Loan is ultimately paid in full and Lender shall n1 •- req to pay Bo 0wer any [merest or earnings on such loss reserve if pernutted under Apph• - -•le :w Letgier 1 • longer require loss reserve payments if Mortgage Insurance coverage (in 1. aunt and fo I. pen • • that Lender requires) provided by an insurer selected by Lender again becomes availabl s ob - • Lander requires separately designated payments toward the premiums for Mon: _ H. 1i required Mortgage Insurance as a condition of making the Loan and Borrows • -• s separately designated payments toward the premiums for Mortgage insurance : • ewer • y • •ransoms required to man Mortgage Insurance In effect if permitted under Appli -le Law or 4. provide a non- rehmdable loss reserve until Lender s requirement for Mortgage Insurance • s 11 .. • • :eta • tab any written agreement between Borrower and Lender providing for such termination or • .01 in ma on is required by Applicable Law Nothing in this Section 10 affects Borrower s obligatio at the rate provided in t Note Mortgage Insurance reimburses Lender (or any • not a the Note) for certain losses it may incur if Borrower does not repay the Loan as : : • • • •, not a parry to the Mortgage Insurance Mortgage insurers evaluate their total nsk on all such •- • rom time to time and may enter into agreements with other parties that share or modify • . r .1 or.. • losses these agreements are on terms and conditions that are satisfactory to the mama:- in. .. an. - • ... party (or t ae ) to these agreements These agreements may require the mortgage 1:: rer t1 m. •ay•• g any of funds that the mortgage insurer may have available (whtch ma • • • : tied from Mortgage Insurance premiums) As a result of these agreements Lender any purchaser of the ore n:• -r i any refnsurer any other entity or any affiliate of any of the foregoing may receive • • • - y or 1 I amounts that denve from (or might be characterized as) a portion of Borrower spa • •1 s • rant m exchange for Manny or modifying the mortgage insurer s nsk or redu• • agreement •L1 aratlne 10401 9111 Fo -'as A NOR MCA CMNA SIN and a1 M odd MK MNIipIM aTIMMPM WITH M[Fm end 1T WI gMP Cn,s071 VW a KW an I I a Mu I1PIIMP III c 1 0 I • ides that an affiliate of Lender takes a share of the insurer s risk in exchange for a share of the Munn paid to the insurer the arrangement is often termed capuve reinsurance Further (a) Any such agreements will not affect the amounts that Borrower has agreed to pay for • • " •1• insurance or any other tennis of the Loan Such agreements will not increase the amount Bo • • • • ill owe for Mortgage Insurance and they will not entitle Borrower to any refund e( i:) .. y such agreements will not affect the rights Borrower has if any with respect to the •, . der the Homeowners Protection Act. of 1998 or any other law Thew rights ay I' • , the rig to receive certain disclosures to request and obteln cancellation of the :. neur. s. : have the Mortgage Insurance terminated automatically and /or to receive a of :. ! •• Is- • age " : rice premiums that were unearned at the time of such cancellation or t: , urn . •n •. menu • .,:s ellaneooa Proceeds Forfeiture All Miscellaneous Proceeds are hereby assignee :• and • • r •1 1 -,,der the ' • • p • e e el such Miscellaneous Proceeds shall be applied to reatoranon or repair of • the Pr...; • •ration or repair is economically feasible and Lender s security is not lessened Dunn: sue, • . , on penod Lender shall have the nght to hold such Miscellaneous Proceeds until , : 'tan ...o ty to inspect such Property to ensure the work has been completed to Lender s min at • .n • • i• d • at such napectron shall be undertaken promptly Lender may pay for the repairs and res race• in in :le c d s�bd M r f � emcm or in it bens of progress payments as the work is completed Unle. an •ei • me t • writing or Applicable Law requires interest to be paid on such Miscellaneous ' • • -• not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds I •• - • • or repair is not economically feasible or Lender s secanty would be lessened the Miscel $ ' • I be applied to the sums secured by this Security 'ottoman whether or not then due , ,-. i • • paid to Borrower Such Miscellaneous Proceeds shall be applied in the order provt •. foryn Se 2 In the event of a to : t a l � i r g 7 d_ : • • ti • ' or • ss to alueInstrument off the Property dm m then I due wit P shall be applied ru to ns the excess If any paid to Bono er In the event of a partial tald • time •n or loss in . ue of the Property is which the fair market value of the Property immediately '. •fo •• a partial tak ... ruction or loss m value 15 equal 10 or greater than the amount of the sum_ '.cured by this `- my • anent immediately before the partial taking destruction or loss in value unless Borr, 1 a • •'• otherwise agree in writing the surrus secured by this Set.unty Instrument shall Ix. • a a ., 't of the Mraxllaneous Proceeds multiplied by die following fraction. (a) ' tota1 . sums secured vm before the partial taking destruction or loss in va ,, dr immediately before the partial taking destruct or oss in e Any balance shall be paid to Borrower In the event of a partial taking destruho .r los: " • • the Property in which the fair market vahie of the Property immediately before the partta ak e d I:• et or loss in value is less than the amount of the sums secured rmmedtately before the p. ralj " •: • :Unction or l in val the unless oma Borrower and lender otherwise agree in writing the use us + • - shall he applied secured by this Se unty Instrument whether or not the • • • e the • • • If the Property is abandoned by Borrower or i.- ; •'ce by • A er to Borrower that the Opposing Parry (as defined in the next sentence) offers to m . an : • to • a claim for damages Borrower fails to respond to Lender within 30 days after the • : •- • no • is : wen Linder is authonred to collect and apply the Miscellaneous Proceeds either to res • rat • • . . .: r • Property eft or the sums secured by thus Security Instrument whether or not then • i a � m ean of the third rd party to that owes Borrower Miscellaneous Proceeds or the party against • • ; • a nght s regard to Miscellaneous Proceeds Bnrnrwer shall be in default if any ai.uun ur proceeding whet - eivi • •. um :.., 4 s begun that in s Lender s ,judgment could result in forfeiture of the Property or oth. • '• • tenal - rt of Lt and Lender if interest in the Property or nghts under t Security Instrument Borro ., acceleration has occurred reinstate as provided in Section L9 by causing •: Ai i i i • •g to be w 111224 60101610 1A0i MORN C ROUN SM. font,. Fenn M WF 1611 Mc UN rfAM vapor WITH MFRS Dm. f •• • 11M 1 Ia WOW' Mn R• Floss Snots 1,6.1.1 . 964 0 Y i IC01111" .•• seed with a ruling that nn Lander s judgment precludes forfeiture of the Property or other matenal • rent of Lender s interest n the Property or nglus under this Security Instrument The proceeds of • y award or claim for damages that am attnbutable to the Impairment of Lender s interest in the Property assigned and shall be paid to Lender II • tsoellareous Proceeds that are not applied to restoration or repair of the Property shall be ap in i e order •rovtded form Section 2 of Rdersedl Forbearance By Lender Not a Waiver Extension of the time for • y�. m odifl t •• • of 11410f11724011 of the sums secured by this Security Instrument granted by Lender • .! • • r or a : i ••••-.r m merest of Borrower shalt not operate to release the liability of Borrower or • • Suc• nt t of Borrower Lender shall not be required to commence proceedings against „.• • • - son • mac t • borrower or to refuse to extend time for payment or otherwise modify the s .: n d by this Secunty Instrument by reason of any demand made by the ongual Borro • an : • merest of Borrower Any forbearance by Lender in exercising any ngbt or •••Intl • rig ' '.. mmtadon Lender a acceptance of payments from third persons entities or n 1 • • • rrower or m amounts less than the amount then due shall not be a waiver of or preclude th • -• o • • t or remedy 13 J• • • • eral LA • Illy Co-signers Successors and Amigos Bound Borrower covenants and agrees that B. . s o •h: • ors (lability shall be joint and several However any Borrower who co-signs this >• n lest • uo bu not execute the Note (a oo- signer) (a) is co-swung this Secunty Ina - • • o 11. i and convey the co signer a interest m the Property under the terms of this Sec i • 1 not personalty obligated to pay the sums secured by this Security Instrument and (c) agr • • • , any other Borrower can agree to extend modify forbear or make any acconunoda. • mu • •• .. e mere of this Secunty Instrument or the Note without the co-signer s consent Subject to the proves • .• •• . • 18 . Successor in Interest of Borrower who assumes Borrower a obligations u • my .t • I rem is Borrower shall not b released from all of Borrowers rights and . • is • ty release Borrower s obligations and liab ity s i ra Security Instrument tent unless ss Lender rew (except as such provided in writing The covenants and ag - • • ' Y Section 20) and benefit the successo ..: . s igns of Lend 14 Loan Charges Lender • c harge Borrow • fees •• services performed in connection with Borrower a default for the purpose of protecting •ter . •e . t in the Property and rights under this Secunty Instrument including but not limited . atto • • s fees • roperty tnspectton and valuation fees In regard to any other fees the absence of •• : -: a a . • • My thi• - my Instrument to charge a specific fee to Borrower shall not be construed asap .. ibi • • o • • c • ing of such fee Lender may not charge fees that are expressly prohibited by this Secu •: r tent . • Applicable Law 1f the Loan is subject to a law winch IS • trim •.: , • •, and that law is finally interpreted so that the interest or other loan charges collected or • lac in «•nnecn vnth nectheeLy Loan exceed the pemutted limns then (a) any such loan charge shall , by amo to reduce the charge to the permitted limit and (b) any sums already col iro • : • rrower wtuch exceeded penmtted limits will be refunded to Borrower Lender may ch. • se ttttf>' ••' nd by reducing the principal owed under the Note or by makmg a direct payment • : • • 11 a • reduces principal the reduction will be treated as a partial prepayment without . p : • • ••ent charge (whether or not a prepayment charge is provided for under the Note) Borrower s • •-• • • • o any such refund made by direct payment to Borrower will constitute a waiver of any : • of •, • • - right have arising out of such overcharge . - • my Instrument 15 Notices All notices gtven by Borrower or Lander in •...• • - wit • a must be in writing Any notice to Borrower in connecuion with dui Sec • ty to to B be deemed seined t t a have been given to Borrower when mailed by first class mail or wb n ac • ower notice address if sent by other means Notice to any one Borrower s • ;, all Borrowers Address unless Applicable Law expressly requires otherwise The notice • • rty Ad unless Borrower has designated a substitute notice address by notice to • r :01T0'.• r s • • promptly d•e 111 211254 VW ® rMWa1A Nny. r«dM Fannie Sdi. Mrraa101n. MieuMBlr wrtnMW o. 3 41/0 Wain Kluwer Fwd.' lank= PROS. .. ow l• t c 0 Cr r w. fy Lender of Borrower s change of address If Lender specifies a procedure for reporting Borrower a c • of address then Borrower shall only report a change of address through that specified procedure -re may be only one designated notice address under Clue Security 'muumuu at any one time • • • • to Lender shall be given by dehvenng it or by madtng it by first class marl to Lender s address rtes in unless Lender has designated another address by notice to Borrower Any notice in a • with this Security Instrument shall not he deemed to have been given to Lender until actually ed • . • r any notice required by this Secunty Instrument is also required wider Appltcabk w • 4 pph .le w requirement will satisfy the corlrespondsng requirement under this ScLairity '• . • Severabulty Rules of Construction This Security Instrument shall be •e -• • f= end I. . • die law of the )unsdiction m which the Property is located All rights and oh, • ons ••.tained n l . Secun Instrument are subject to any requirements and [mutations of Apples. w • mi g ht explicitly or implicitly allow the parties to agree by contract or it might • all . �I- she not be construed as a prohibition against grewnent by contract In the ev• s ion or clause of this Seventy Instrument or the Note conflicts with Applicable Law weh ' ect other provisions of this Secunty Instrument or the Note which can be given °free ,, ., 1 • conille ..: provision As • -, in ■ s -• rune it (a) words of the masculine gender shall mean and include corresponding ter wo • :. r • 1 feinrnme gender (b) words in the singular shall mean and include the plu an. e v : r • e word may gives sole discretion without any obligation to take any action 17 Borrowers o • : • • • r . I be given one wpy of the Note and of ague Seventy instrument 18 Transfer of .. y • r a : •• tidal Interest in Borrower As used in this Section 18 interest sn the Properly r • beneficial interest in the Property including but not limited to those beneficial interests •. a . •• seed contract for deed installment sales contract or escrow agreement the i , • f , l • is .. . • ' '.r o • tk by Borrower at a flours date to a purchaser If all or any part of the ' •.,• o to . the Property is sold of transferred (or if Borrower is not a natural person and a . •efi .. i •• :orrower is sold or transferred) without Lender s pnor Instrument Howeverr this option 11 •'.t be exerci -. • e Lender souls e x er c a sy this exercise i spmhibited � hy Applicable Law If Lender exercises this option Lender shall • e : • • •we notice of acceleration The notice shall provide a period of not less than 30 days from • 'dal. • • • ce is given in accordance with Section 15 within which Borrower must pay all sums red • Insmtmem 1f Borrower fails to Pay these gums pnor to the expiration of ina • n. , • ma invoke any remedies permitted by this Secunty Instmmient without farther notice or • • • .• Bo • • er Borrower meets contort conditions Borrower a Right to Reinstate . Ace • Borrower shall have the right to have enfo • •- • t : Security • imment discontinued at any time pnor to the earliest of (a) five days before sale of the i • . • • to any power of ask contained m this Security instrument (b) such other penod as A..1 w . ght specify for the termination of Borrowers nght to reinstate or (c) entry of a) • .is Security Instrument Those condition are that Borrower (a) pays Lender all . - w •• I. • . be due under tlus Secunty Instnment and the Note as if no accekralon had occurred •) 4 • •, •• , • t of any other covenants � agreement (c) pays all expenses incurred io enforcing this Sec. ro �• t • Malts but to reasonable attorneys fees property inspection and vale • • s f •• i• • Is• fees incurred for the purpose of protecting Lender a interest in the Property and ng this .• L Instrument and {d) takes such action as Lender may reasonably require to assure • . t - • :1 in -1 by this the Property rights under this Security lnstnunent and Borrower s obugauon to pa is Instrument shall continue unchanged lender may require that Bo • p , s • rei . order and expenses in one or more of the following forms as selected by - • -• . wy _ an institution whose deposits a s s red by a federal i gen • • d Electronic v 11/24 sing EO/ NO CAROLINA VINO F ally real M Meddle Me UNI ORM INSTRUMENT WITH Mal OAS d Trutt i� mark NIP 8 Win lave•. FMncIN ax Ica IN1MM `' • ei 0, Oil ; I • s Transfer Upon reinstatement by Borrower this Scanty Instrument and obhgauons secured hereby remain fully effective as If no acceleration had occurred However this nght to reinstate shall not y tn the case of accelentton wider Section 18 ale of Note Change of Loan Servicer Notice of Grievance The Note or a partial intermit in the Note 1 ••gelher with this Security Instrument) can be sold one or more umea without prior notice to • A sale night result in a change In the entity (known as the Loan Serviced) that collects I . • • , •te ' i •. 0 e under the Note and this Secunty Instrument and performs other mortgage loan to : t . 1:atiene • • r the Note this Secunty instntrnent and Applicable Law There also ought be • • ,.t . the Loan Servicer unrelated to a sale of the Note If there is a change of the Loan r : • -,. - t-. von written nonce of the change which well state the Hance and address of the 'c er the ad. as to which payments should be made and any other information RESPA 1• .— : in ect • 9 1 • Ice of transfer of aervicm n g If the Note is sold and thereafter the in is ced . a Lo r ' • • er than the purchaser of the Note the mortgage loan servicing obligation to Bo -• wer • n • the Loan Seri/met cet or be transferred to a successor Loan Servicer and are not assn • -. F •I . r unless otherwise provided by the Note purchaser Nell 1 • • may i.ommence join or be ,loaned to any judicial action (aa either an individual ' • I1- „ 1: of a lass) that arises from the other pazty a actions pursuant to this • : • . i or , leg .. that the other party has breached any provlsbn of or any duty owed by reason of this S. • I : : t u, h Borrower or Lender has notified the other party (with such trance given in • • .. , . • ' 1 . -• to of Secuoa 15) of such alleged breach and afforded the other party . • a -.. • •. after the giving of such notice to take corrective action If Applicable law p. . — od which must elapse before certain action can be taken that time period will be deemed .1. ; • • .r purposes of this paragraph The nonce of accelerator and opportunity to cure gr• . :.I..•' •r • •:uant to Section 22 and the nonce of acceleration given to 1 Borrower pursuant to - o' 8 sh Igi . • • -• to satisfy the notice and opportunity to lake contain action provisions of this - i on 21 Hazardous Subst l•.•- u • this ' • ion 21 (a) Hanrdous Substances are those substances defined as toxic or -t- ,..1• 1 pollutants or wastes by Environmental Law and the following substances gasoline - • • • at.,- flammable or toxic petroleum products toxic pesticides and herbicides volatile (b) Envtrronmental Law solvents eans f •- n � ws and laws ashes .• tit adi cwnwhe re the Property is located that relate to health safety or envtronme. al protection Env • 1 e any Cleanup includes response action, remedial action or removal action as i -• in ,. ro, .0tal Law and () an Environmental Condition means a condition that can ca :. con • otherwise trigger Environmental Cleanup storage or release of any Hazardous Borrower shall not cause or permit the „ Substances or threaten to release any 14 • • . Subs .. • n sr in the Property Borrower shall not do nor allow anyone else to do anything affecting ' 1 a a in violation of any Environmental a Law (b) which creates an Environmental Condition or w d •• to the presence release prcse o f a Hazardous Substance creates a condition that adv _ tie of the Property The two sentences shall not apply to the presence use •r s • e Property of small quantities of Hazardous Substances that are generally recognized t• be ap. • • . •• : M resedentul uses and to maintenance of the Property (Including but not trolled to :.. .r•! : —: in consumer products) Borrower shall promptly give Lender wntten notiue of (a) : y • 'e:. ga • n claim demand lawswt or other action by any governmental or regulatory agency or p'var• p. 1 • Mug the Property and any Hazardous Substance or Environmental Law of which B. • has • r. knowledge (b) any Environmental Condition including but not limited to any spill • 1 I ' 1 ., ' h` a release Of threat of release of any Hazardous Substance and (c) any condition cau P :i. 1. as r l e se of ofea Hazardous Substance which adversely affects the value of the Props if : nif by guvemmental or regulatory authority or any pnvate party th t val d r' med of any Hazardous Substa affecting the Property is necessary Berra . all p • ., remedial actions to accordance with Environmental Law Nothing beret . sh. •, ,, : • • , ltgatton an Lender for an Environmental Cleanup AIIP w- 11224 • aed0 as 1N1 MQ H CAROM* 15511 Pw l ion MidFns l Kw UNIFOm INarfU BI WITH Mfaa OWd I T.a 11+1 D 12 l is Wolter akwail d 5 Mm 0 1 11101 NON UNIFORM COVENANTS Borrower and Lender father covenant and agree as follows 22 Acceleration Remedies Lender shall give notice to Borrower prior to acceleration following e s breach of any covenant or agreement In this Security Instrument (but not prior to ac c ah . n under Section 18 unless Applicable Law provides otherwise) The notice shall specify (a) NGe deleul v (b) t ion required to cure the default (c) a date not less than 30 days from the date lip £o tit • .; oorower by which the default must be cured and (d) that failure to cure the defy . • •: • e date specified in the notice may result In acceleration of the sums secured by :. �, y-, • - • 1 ad sale of the Property The nodes shall further inform Borrower of the rt.. • 11 e after • aleration and the right to assert in the foreclosure proceeding the : , ,.. : , ,, a I I other defense of Borrower to acceleration and sale If the default Is not cur. , , or .: I 'litany • to specified In the notice Lender at its option may immure immediate paym ,: t in 1 o 11 s '• r : secured by this Security Instrument without further demand and may Invoke po , of m e and any other remedies permitted by Applicable Law Lender shall be entitled : "I1- : •a. . incurred in pursuing the remedies provided in this Section 22 Including '. of . Ite¢to , , noble attorneys fees and costs of title evidence If Lender 1 vo S . , er • 1r'` : net if It Is determined in a hearing held in accordance with Applicable Law ee .,,, to ink Trustee shall take such action regarding notice of sale and shall give .. rrower and to other persons as Applicable Law may require After the time ppl . • , w and after publication of the notice of sale Trustee without demand on B u. . • t . .. • Property at public auction to the highest bidder at the time and place and under , 1 -. , • notice of sale in one or more parcels and In any . order Trustee determines . ' • ., i y. ma • purchase the property at any sale Trustee shall deliver to , : d the: Trustee s deed conveying the Property without any Covenant or warranty expressed .1* :, 1 ed The refit , the Trustee s deed shall be prima fade evidence of the truth of the atntem • ' : made ther • Trust shall apply the proceeds of the sale In the following order (a) to all expenses of the .,t ng but not limited to Trustees fees of 0 000 W of the gross sale . , ; (b ^ ° ' ' secured by this Security Instttmiettt and (e) any excess to the person or perso: 1 _I: 1 to The interest rate set forth In the Note shall apply whether before or after any lad ent . , he ..: • btedness evidenced by the Note 23 Release Upon payment of all sums secured is 1, ty instrument Lender or Trustee shall cancel ehia Secunty Instrument If Trustee is requ -. d $+se s Security Instrument, all notes evidencing debt secured by this Security Instnnneat . i .11 i • 1 ir eyed to Thane Borrower shall pay any recordatiun Lusts Lender may r.liarge Borrower a f_, for rel -e , 1 my Instrument but only if the fee is paid to a third party for services rendered . • . • .• the fee is permitted under Applicable Law 24 Substitute Trustee. Lender may from ume to ti • - T • , f 1 winch this Secunty successor trustee to any Trustee appointed hereunder by an instrument reed -, cued to all the I Instrument is recorded Without conveyance of the Property the : • ....... k_ title power and dunes conferred upon Trustee herein and by Applrcabl - 25 Attorneys Fees Attorneys fees must be reasonable 0 221 224 A0401618 Form 74 1/01 NOR NORTH CAROLINA Snub Family F AN M�T Mw UNWORN OwTRUMENT WITH MFRS Ovidarw MFaA CI 106091 bl 1 u ✓ is WAN Rl+w✓FI ntlaa✓vWF 0 1 0 I BY STONING UNDER SEAL BELOW Borrower accepts and agrees to the terms and covenants lied in this Secunty Instrument and in any Rider executed by Borrower and recorded with It SFS ( e tDD A Q1x Borrower �f� � o �.� (Seal) DIANE (;ypysWZrN - Borrower (Seal) er Borrower I) (Seal) Bo owe Borrower 0 (Seal) (Seal) Borrower Borrower 9 211224 /06016/6 f m •K IN1 NOM CAROUNA Sig* near Iww MWFng6 MK ~NW 013 RI MINI VAIN MER9 OKF RI inn* 70 C 060.1 moo 9/ 110116 • WO rl w F cddIke I K e llfr e TE OF NORTH CAROLINA Cumberland County es 1 Alanna 1( Dolezal ota Public of the County of C U mbe r 1 a nd State of North Carolina do hereby nay . TODD A CLA!)9n and JODY DIANE CLAYMAN 0 • • sl • • 1 �.., • . to me on the basis of satisfactory evidence to be the person(s) described perso .. 1 . �' fo - this day each acknowledging to me that he /she/they voluntanly signed the foregm 1 •t � t f• 1 • purpose stated therein and in the capacity indicated W, .. I. • tat seal this 28sh day of January 2010 My Comm, , rim 9 2/ P do u ,, • ,i ;' `...." " / ' -i ,, NotaryPublic Alanna Dolezal • f• rt C. 4ot H t C r P` ` �� STATE OF NORTH CAROLINA Cody n The foregoing certificate of a Notary Public of the County of State of is certified to be correct ' r } Th day of / el of Deeds By Deputy SI 224 rOw .sa r . ram Hawn sMai F mu. r MM Y nd0 M WHIM W7i UMW vAfM MUM Dad Penn Ink 14 [1. 1/ le wtlWRWw FMdtlS rrka 0 101 1 4 3 1 1' ° ' . ' . ' ED LOAN AND ASSUMPTION POLICY RIDER I S L OAN IS NOT SSUMABLE ti e O __ A AFFAAIRS L OR ITS A AG THIS VA t ►• TE 0 AND ASSUMPTION POLICY RIDER is made this lath day of January 20 Is Incorporated into and shall be deemed to amend end supplement th a ■ • . Trust or Deed to Secure Debt (herein Security Instrument ) d of vei +ate Growth given by the undersigned (herein Borrower ) to secure Borrower a ot- • 13' . .. - ral savings Sank (herein Lender ) and co erigftije - • • rty abed in the Security Instrument and located at 921 Lakaridga Dr oon 20 - 0079 roperty Ad. =a VA GUARANTEED LOAN COVENANT In . • • tion • he • • venants and agreements made In the Security Instrument Borrower and - der f ove . ant and agree as follows If the indebtedness secured hereby be , aran end • insured under Title 38 United States Code such Title and Regulations issued ..r. • • - . • effect on the date hereof shall govern the rights duties and liabilities of Borrows and • er Any provisions of the Security Instrument or other Instruments executed in c• n •r said Indebtedness which are Inconsistent with said Title or Regulations Inc dl ut of limited to the provision for payment of any sum In connection with prepay • • t • sec : • indebtedness and the provision that the Lender may accelerate payment of : se • 1 •ebtednees pursuant to Covenant 18 of the Securty Instrument are hereby a :nd • or negated to the extent necessary to conform such instruments to said Title or - .g , •ne e0401ee8 11224 MULTISTATE VA GUARANTEED LOAN AND ASSUMPTION POLICY RI Wolters Kluwer Financial Services VMP 8388 (0408) 01 •I ]Q103 Page 1 of 3 Intiala =bL _ 10 i ii ° 1 0 ZAIE • E At • •nder s option Borrower will pay a late charge not exceeding four per : • • d %) i • e •verdue payment when paid more than fifteen (15) days after the due da her: • • • -r t' • extra expense involved in handling delinquent payments but such to • arge shall • payable out of the proceeds of any sale made to satiety the in • - • ted ..s s: • • -4. y unless such proceeds are sufficient to discharge the entire Indeb .- • nes- •nd • p • . • r costs and expenses secured hereby GUAR • i •ul• a Department of Veterans Affairs fall or refuse to Issue its guaranty In full amou It rom the date that this loan would normally become eligible for such guar:•• n by the Department of Veterans Affairs under the provisions of This 38 of the S d stars benefits the Mortgagee may declare the Indebtedness hereby secure at n e girt) • •; • le and may foreclose immediately or may exercise any other rights her nder r to an , • er proper action as by law provided TRANSFER OF ' - R Is loan may be declared immediately due and payable upon transfer of the prop: y s- rin, suc loan to any transferee unless the acceptability of the assumption of the to • • • • • is • .ursuant to Section 3714 of Chapter 37 Title 38 United States Code ��'�� An authorized transfer 1' shtxt(ptio • the •roperty shall also be subject to additional covenants and agreements a se •r • •elo la) ASSUMPTION FUNDI • A :a equal to one half of ono portent ( 50 %) of th- be : ce of this lo: • of the date of transfer of the property shall be payable at the time of t :nsfer to the <:n hold or its authorized agent as trustee for the Department of Veterans Affairs If • e a•: • ier •ils to pay this fee at the time of transfer the fee shall constitute an addl • al d: • hat (ready secured by this instrument shall bear Interest at the rate herei pro •• : • : • the option of the payee of the Indebtedness hereby secured or any tran- area • ere. shall be immediately due and payable This fee Is automatically waived B the as - er (- • • • der the provisions of 38 U S C 3729 (c) lb) ASSUMPTION PROCESSING CHARD pp cation for approval to allow assumption of this loan a processing fee may b ch •. -d b . the loan holder or its authorized agent for determining the creditworthiness of : as- • - : • •ubsequendy revising the holder s ownership records when an approved transfe s •• .1: d The amount of this charge shall not exceed the maximum established by th D. •a • •nt .f Veterans Affairs for a loan to which Section 3714 of Chapter 37 Title 38 Un ed . - . l es . . . . . .p i l e s Ic) ASSUMPTION INDEMNITY LIABILITY 11 this obi : = ion : ... m: • then the assumer hereby agrees to assume all of the obligations of the vet : : • • er • e terms of the instruments creating and securing the loan The assumes f rthe al :es indemnify the Department of Veterans Affairs to the extent of any claim pa 'lent anal the guaranty or insurance of the indebtedness created by this instrument 60401668 4 "Mt Initials att. VMP ® 6388 (04061 01 Page 2 of 3 _100 1 WI . •OF Borrower(s) has executed this VA Guaranteed Loan and Assumption T000 _ « :. e'>/ 1 r Borrower JOOY Ci cxanan Borrower Mlle �. rrower Borrower 1r • ow: Borrower Bor .we 10 Borrower 60401666 0 912211224 VMP 538R (0406) 01 Page 3 of 0 4 1.110/ep 'p4wEIT COdNT. ti • A NI 1 10 s 1 1 1 1, �f J /� / J \� 1 t r~ ',� I� ~ . I *o � rN c�a a 0 p "" 7 � _ MBERLY 8 HARGROVE T ,v F DEEDS, HARNETT ta ELIUS HARNETT BLVD SUITE 200 //////�� a TON NC 27546 1M •* •*** m N M N 1N MM MU�.M H HNS M N *WHIM H *60644 ***Mt HHMMNNH* Filed For ReglstratIon 01 : 121 1 9 M Book RE 11 go 78-98 Document No 2010001228 DT 19 PGS 1 Recorder MARY ANNE 0 State of North Caroline County of Harnett Ha KIMBERLY & HARGROVE REGISTER OF DEEDS 00 DO NOT DISCARD C 1 111111 flIfl 11111 11111 o11111 11111 11111 11111 11111 1111 1111 0 2010001228