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The vMO~ss ~ m~ snd iny msan t~~ibo~rows~ anc~l~anYWN ' ' ~~~ -~'~~°.+y~. s~s~'.;~.......~,~.;, .~ .;~
~~s~ w~~~ s.7,,'~~te , 1rou snc: ~-ou- ~3K to d~~ast ~ank
shown abow. ~ ~ ~'' d' - ti ~~: ~ ~~, .~~{ ';i. c . ~ • r .~'i : ~e~~~- t~~.: }'i °~!i ': _ .r~'~~~+tl~"q: ~~ ~~i„
Borrow~~ s Nam~ ~~ben H. 6 G~or~ia ~aa ?oik' ~~ ~~Add~ 2527 S. 35th St. , lost piesc~, S~.~~~da `.
..~L .~~,~:. _ . .: .... `- ..~':.?,~. ~.~•., ., -~~:... ~c'~• ., ti i
Tn~s is the agreemt~it thst covers my loan.with you.~l unch~stand ths!-sn ~ ~`~' ~~f~~ -~'~ ~"'~~'~'~~~~$i ... +
yone who signs this agreem~nt witl bs Ie~sRy respo~sible .
lcogether and individuallyl for repaying the total amount owed, unless they are only signing to givs you s vslid seCUrity interest ',
Promis~ to psy. To repsy my loa~, l p~om~se to pay you the total oi payments shown in Item 11 bebw i~ 6~ monthly
~
~nstalments ot ~ 97.19 ~g 81 ~~ W~~~
each. l'tl begin making payments on I'ltrch 6 _.
continue to pay on the same day each month until the loan is paid in full. I'll make payments in person o~ by mail at the oii~cs
you speCitY-
Here's a br~akdown of m~ loan: P~optrty I~su~snc~. 1 w~l~' ksep th~ properry securinp this Ioan
t A
I
a 4, 0~• ~
d
'
.........
mount
rete~ve
. insured a a~nst bss or da
9 ~a9e. ~ undentand that 1 msy purchsse th~s
2 Appra~sal (ee ............. S Qa ~nsura~Ce through you. ~n wlbch csse tht cost snd term wi0 appear in
1'or Resl Esate loans only) the loa~ breakdown 18 A~ 9), w from a~yone elss 1 choose. Either
3 itecordi fee ..........
^9 S na way. 1'11 make the pol~cy pavable to you.
'
It 1 don
t keep it inwred or psy pr~mwms on time. you csn psy them
4 Optional cred~t I~fe fa me o~ cancel the pol~cy and gst u~wnnce elsewhere. It you do
~nwrance . . . . . . . . . . . . . . S Aa purchase such ~nwrance etsewhere. you can select insursnce which
5 Optional cred~t disabd~ty ~ p-otects Only your interest in the collate~sl or whiCh protetts my
..
.
.. ._...
~nwrance .. a~ interest and your interest. and in e~t1~ Csse 1 w~ll psy tor any
.
~ prem~ums you advance with interest com ted at sn ANNUAL '
6
6 Stamp tax . . . . . . . . . . . . . . . S • 1S PERCENTAGE RATE o~ 18%. ~ f
7 Other charges (explain) ,
- a ila
8 Property ~nsuranCe Islww aemN,m d h.w+cad ~nrouqn e~k)
A 'Flood ~nwrance . . . . - - • S na
(or mo~ths -
8 Physical damage
insurance ........ .... S ~
fo~ months.
9 Amount bnanced (1 thru 81 . .. g 4,006.15
t0 FINANCE CHARGE ... ..... g 1,$25.25
mada up oi:
A. Interest _ . . _ . . . - - • - • . . . ~ 1~ 775. 25 '
~ FI ANCE CHARGE•S--59~4 (Proceuing Fee)
t t Total of payments 19+ 1 Ol . . : . . . . . . . . . . . S 5,831.40
~-NNUAL PERCENTAGE RATE . . . .. . . . 15.89 9~,
NOTE: Items 2 through S abovs are expenses the Bank must psy to
third parties.
Credi[ I~nu~anc~. I understand that I don't have to take out cred~t lite
~nsurance or Cr6dit d~sab+Gty insurance to quabty to- th~s loan But it 1
Y~ant. I can purchase this inwrance through you. purchase it from
someone else 1 choose. or ass~g~ an exist~ng pol~cy. 1 want the
~nsurance checked below for the te~m ot th~s loan:
^ Credit life insurance on Bor~ower's life abne st the cost shown ~n
item 4. (Maximum slbwsbie te~m is 10 ysarsl.
u Credit disability inwrance on Borrower (First named bsbw) st the
cost shown in item 5. IMazimum slbwaWe tsrm is 5 yesrs).
O Joint credit lifs insurance on 8orrower and Co•Borrower's life at
[he cost shown in item 4_
3orrower'S
S~ynature
l:0 3orrow~r's
S;gnature
Real Prop~rty. O(if checked here) 1 am g~v~ng you a separate
iC~oss out one) { MO`tgage
Agreement Not to Encumber or Transter Properry
to secure this loan on property Iw:ated at:
lAddr.ss d a+wmb..~d prop~rtyl
You have al~eady given me the required Notice of q~ght of Rescission.
~ understand th~s means I have three (3) business days to change m~
~n~nd and cancel this losn. 1 understand that you w~ll start charging
me ~nten}st on 19
Additional s~re~msnb and provisions o~ rw~n~ sid~. l have read
ene add~tional agreements and provisions on the r~verse side oi this
a~reement and 1 understand and agree to them. "
O If th~s box ~s thetked, is s~grnng this agreement only
co g~ve you a valid security interest and will have no personsl bgal responsibilit~r on the ban.
O
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~ 1 undencand that this agreement. and if checked above, a document encumbenng real prope-ty, contain all the terms
~ and conditions covering my loan. If any pan of either of them is unenforceable, the rema~ning pa-ts will remain valid. I've
read this agreement and acknowledge that a fully compteted copy of it was furnished to me before I signed it_
^j ' ~
" Ruben H. York ~~g ~~a~~ orgia York ~~a~~ '
~ ~~348 P~~E 34U
t~en • • c5@~~~
~st~ piym~nb. If 1 haven't paid sn instalme~t withi~ 10 dsys ot the
date it's due. I'll pay a late charge equal to 6% of the ova~due
instalment. but not more than S5. This d~ge will not apply to bans
over i60,000. '
tli~ht to prpay losn. 1 can prspsy th~ ~ntin balance oi my loan st
any time. If I do, you will retund a po-tion of tF~ FINANCE
CHARGE tigured by the wm-of-tM-di~its method (a comnwnlr
used formula for figuring refunds on instsknent losns). But you won't
refund any part oi the processing fset C~tan 108).
Collection costs. I'11 pay any collection wsts, includ~ng reasonable
attorney's (ees. ~f you take coltectwn action. _
Enti~e batance due. If 1 don't pay a~ i~stahnent on tirne or it 1 break
one oi my prom~ses under this agreem~ you can requirs me to psy
the entire balance oi my ban (less q~ reiurid ot FINANCE
CHARGE to which 1 woutd be entitted in the event ot prepayment)
at once wi[hout no~~ty~ng me ;n advance. You ca~ atso do this ii 1:
miss a_payment on another debt 1 ovre you; msds mislead~ng
statements on my appl~cation: become iwolved in bankruptcy or
~nsolvency proceedmgs: w d~e.
Security. To p-otect you if I fad to repay ihis losn. 1~ive you as
collateral a"secunty ~nteresY' under the Horida Uniform Commercial
Code ~n the totlow~ng property abng witfi sny replacement parts.
add~uorts or equipmem attached to it whid-1 own, plus any proceeds.
retu~n premiums and rebates from am- aedit inwrsnce o- i~wrance
on the prope-ty securing this ban. I also undentand that this losn will
be secured only by the collateral described belcw regardless of any
security prov~sions ~hat msy sppear in other bans I msy have with
Y~
The North L00 feet of tbe {~1est 100 feet of the
folloving described property: Oae Acre ia the
Southvest corner of the South ~r of the Southeast~
~ of tLe Northeast ~ of the Southveat ~ of the j
Section 20 Townshio 35 $outh, RanQe 40 Eaat. "
pubtic records of St.Lucie County, Flarids
Less rights of Way~Q~oublic roads N
Idate)
Idate)
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