HomeMy WebLinkAboutMisc Letters JOSEPH E. SMITH, CLERK OF THE CIRCUIT COURT - SAINT LUCIE COUNTY
FILE # 4144775 OR BOOK 3821 PAGE 1793, Recorded 12/28/2015 at 11:45
Doc Tax: $893.20 Int Tax: $510.40
Ru-
MAR 10 2016
PERrAITTiNG
St. Lucie County, FL
When ecor . ,re to;: D
FBC ort' age;LLC
Att. Fin I Documeri rt nt
1.23 Co merce Park Drive,S fte 16
Lan we 'd,FL 32279
407 72= 383
This . cu. t was par d b
FBC M gaga,.L C
189 S.Ora ven uite;.970
Oriando;FL 32801
877-4204539
Title Order.No.: 74224-70
Escrow Nati 74224-70
LOAN 0:1111153292
.............................._.. [Space A urva This Une.falryWarAng 0801........._....--.....—.—...........
R' jivan .other
N D45 1 M RS P. NE : -88 679-6377DEFT ITI NS
WOrYIS use multipIo. 0Ua so is: cument a de ned ords are.defined in Sec`ons 3,11,19;.
18,20.a 21.. a aln rules gardi the:usage of ds uset are also:pr ided inSection 16.
(A)"Socur stru means:this. ume ich.is da23,2015, II Riders
to this document.
(B)`Borrower"is LEXIS'K FISNER;SINGLE WOMAN.
Borroweristhe mortgagor under this Security instrument.
(C)"MFRS jsMd-Agage Efectronic.Registration.Systems,Inc;MERS Isa separate corporation.thatis acting solely as a:
nominee for Lender and.Lender 's successors and assigns.MFRS is the mortgageevnderthis'Security Instrument..
MERS:is organized and.existing under the laws of Delaware,and has an address:and telephone number of P.O.Box
2026CnO 0 tel:(888j:67
(f)}" s. 'FBG , ort age,LLendmited Lia C mp ny, or niz.. and e." ting .der eaaws of
Flori end ss i 189.S.O ge Av pe,.Sulte
970, FL 32801.(E) " ans the,p .i so note 'gned by orro ec and d ted Decembor 23,2015: The Note
stater esL der O Et].F TYFI HO TWOHUND D *"�• :•.a:..:�r�.: :•y.;«.i,#.+a'+.+},••. r.i•r} :r•:i•rt:;rr r'i dollars(U.S. 255200.00 }
plus interest.Borrower has.promised to pay .mdebt in regular Periodic Payments and to pay the.debt in.fult not later
than.January 1,2046.
(F)"ProperWI.means the property that is described below under the heading"Transfer of.Rights in the Property.°
(G)"Loan"means:the debt eviderared 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..
FLORIDA=Single Family—Fannie.MaWFreddle Mac UNIFORM iNsrRUME14T Form 30101107
FJIie Mae,inc.. Pa0e•1 of 10 FLEDEED 0515
FLEDEED(CLS)
Y 12/2212016'07:16 PM PST'
OR BOOK 3821 PAGE 1794
LOAN.*11.1.1163,292
(H)"Riders"means all Riders to this.Security instrument that are executed.by Borrower,-The following Riders are to
be executed by:Borrower jcheck box as applicable):
C7Adj4stabie Rate.Rider ❑Condominium.Rider 0 Second Home Rider
El Balloon Rider E)Planned Unit Development Rider DOther(*)fspeeify)
D 1-4 Family Rider Cl Biweekly Payment Rider
I I V.A.
(1) 'Ap Ifcable Law"m ans II c ritrolling applic to deral, tat and loo stat teYby
ns,o inances.and
ad Inist ative ries and orders hat i ave the eff.ectof aw) s.w.eli s all app(cattle fi t,nble j ictal opinions.
(J) 'Co munityAssooiation ues.Fees,andAsse s6 nts"m ansalldue s;'assdo erchalgesthat
*eii po, donBorrowerorthe pe by.a condo 1 ILI associ tion'homeowners ass �imi (organization.
(K) " leo nic.Fund re. fe mea any t sfer f funds the lransacttomi draft,.or
similar aper ins ent,: h Is i "ated.t rough a : lectro c terminal,tele honic instputer,or agtape so a rder ins orauthoriz a nstitUtion tbut is not
limited to;point-of-sale transfers,automated teller machine transactions,transfers,initiated by telephone,wire transfers,
and automated clearinghouse transfers..
(L) ".Escrow Items"means those items that.are.described in Section 3.
(M)"Miscellaneous Proceeds"means any compensation,settlement,award of damages;.or proceeds paid by any third
party(other than insurance,proceeds:pald under.fhe coverages described,in Section 5)for,(i)damage to,or destruction
of,the Property;(ii)condemnation or other taking of all oranypart of file Property;.(III)conveyance in lieu of condemna-
tion;or(iv)misrepresentations of,:or omissions as to;the value•ardlor condition of:the Property,.
(N)"Mortgage Insurance"means insurance protecting Lender against the nonpayment of,ordefautt on,the Loan:
(0)"Periodic Payment"means the regularly scheduled amount.due for(i)principal:and:iriterest.undee.the Note,plus
(ii)any amounts under Section 3 of this Security Instrument.
(P) "RESPA"means:the Real Estate.Setiiemeni Procedures Act(12 U S<C,§2601 etseq,)and Its implementing rcgU-
lation,Regulation X(12 C,F.R:Part 1024);as they Might be amended,frotri time to time,or any additional orsuccessor
legislation or th governs the ect matter: ' urity Ins "'RESP o all
require is and restriction.that ar mposed in re d'to a 'federally related m ga .loan"ev n if he Loan Des
not qu Ify a Ily rel ted. .rtga oar nder ESPA.
(q)" ycc ssor.. Inte st f B rro means.a pa that h s to on title to e P operty, et r r no at party
.has ssu ed Borrower's igati ns nderthe.Notea Wo this Se urit Instrume.t.:
TRA SF R OF RIGHTS IN.TH PR PERTY
Thus ec tylnstrumentsecures.oLa der:(i).therep ym. 'toftheloa , a renewals,extensio.. 'an modifications.
of the ote, nd(iq the a e o orrower' :cave.ants an .ag ements under chis Sacuri nstr ment-and the
Note. Phis p orro derdc s here ortga ,grant nd cdnvey to ERS(solely a nominee:.for Le der and
Lender'ss cessorsan signs)and hesucc orsanda . ,.thefallowingd located
in the County of Saint ucie.
[Type a(Recording.Jurlsdictnn) IName afRedordinil Jurisdictiohl:
SEE-LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF AS"EXHIBIT A'::
APN.#: 3419o%0�0206•D0017
Pp.perty,.r.
whicl cur ally has the address f 1 1 NE Neranja; ve,. or
tstreeli Icily]
Florid 3 83 (" ape Add
TOGET the improvemen r ereafter exall easements,appurtenances,
and fixtures now or hereafter a part of the property;All replacements and additions shall also be covered by this Security
Ins.rument.All of the foregoing is referred to.in.this Security instrument as the"Property.."Borrower understands and
agrees that MERS holds only legal title to,the interests granted by Borrower in this'S.ecurity instrument;but,If necessary
to comply with law or custom,MFRS(as nominee for Lender and Lender's successors and assigns)has the right;to
FLORIDA.—Single Family--Fannie MeaiFroddle Mac UNIFORM INSTRUMENT-Yorni 30101/01
F-Me Mae,Inc. Page 2 of 10 FLEDEED0515
FLEDEED.(CLS).
IMT 12,016 07:16 PM:PST
ti
OR BOOK 3821 PAGE 1795
LOAN:#:1111153292
exercise any.or alf of those Interests,including,put riot limited to,the right to foreclose and.sell the Property;.and to take
any-action required of Lender including;but not limited to;releasing and canceling this Security.Instrument,
BORROWER COVENANTS that Borrower is lawfullyselsed of the estate,hereby'cohveyed and has the'right to mon
gage;grant and convey the Property and that the Property is unencumbered,except for encumbrances of.record.Borrower
warrants.a a .. _ orally the o the arty agaf a c aims an and subject. any ncumb ces.
of recor .
IS ECURITYIN T M Tmbinesunifo co enants rn. 'onaluse ndn n-unifo . co a ants' ithlirnited
vagi 'on .by jurisdiction to.cons tute uniform:secud in man cov,ring re rop
NI RFII COVENANTS.B rro Brand Lender ova ant an :agree as,
P yment of Princ al,I fere ,Escrow i s, repaym rat harges,and Lafe Charges Bo owerishall pay
when ue t nncpal ;an irate st o, he d vide cod by No ray prepayment. s:a, ,, charges.
due un r the No e, orcow shall a o:pay tunds•far straw I ms pursuantto .ectfon 3.Pa ants due under the.N.ote
andthis Se t shalt be ma trency.Mo ck:.or other ins y Lender
as payment under the Note or this Security-Instrument is:returni Lerideruripaid,Lender may require that any or all
subsequent payme.nts 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).rnoney-order;(c)certlfled check,bank check,treasurer's check a cashier's check,
provided any such'check Is drawn upon:an institution whose deposits are Insured by federal agency,instrumentality,or
entity;or(d).Eleatronfc 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
.pay mentor partial paymentif the payment or partial payments are insufficient to bring the.Loan current,Lendermay accept
anypayment or partial payment insufficient to.bring the Loan current,withoutwaiver of airy rights hereunder or prejudice
to Its rights to refuse such payment or partial payments in the future,but Leri is not obiigatedto 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 unapplied funds.untifBorrower makes.paymenttabring
the Loan cu does not:d a reasonabl enders apply s or
return th to.Borrower,If n t appfie earlier;such ds wilt a applied to the ou ndi g primp baI race undo trio:
Nota i medi y p o far dose .No se aim tijeh ewe ve n w o the. .urea Gins ender
'hall
fiev Bonowerfro 'm kin pay antsdueun rth to an this Securityi tru entor erfo iin the .variants
and gra menu secured his tic ityinstrument;
plication of Paymen s or roceods.Ezce f as otha e:d nthi ection 2, paym is accepted
and: ppii by Lender shalt be a pile in:the folbv+fng ord r of pri ity:(a)interest e.under the.N. ;( principal due
undo the ote;'(c)amounts due nde.Section 3.Su pa menta all. d to each Penoilic.P ym nt in the order
in whi h it came due, ma Ing: iounts s 1 be ppiled 11 stto late charges,second to any Ohe arridunts due
under t s:Sec ume ,and en to thea rinclp a ante o. ore.
If Len receives a ment from orcowerf delfnqu Periodic P ant which Inc amount.
to pay any fate ergo due,the.payment may a applied to the delinquent payment and the late:.charge.If.more than.
one Periodic.Payment is outstanding,Lender may apply any paymentreceived 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 isapplied tothe 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 anyprepayment charges and then as described in the Note.
Any application of paymentsi.insurance.proceeds,or Miscellaneous.Proceeds to principal due under the Note shalf
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 ofamounts'due for:(a)taxes andassessments and
other items which can attain priority.overthis Security Instrument as a lien orencumbrance 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 Sec>
tion 5;and(d).Mo tgage lnsuranc0rernlums;"rf..any,or any gums payable by Bgrrowerto Lehder in Ileu of the payment of
Mortgage fnsur emiums In accordan the provisions of Section 10.These items are called".Escro a 's"At
origlnatio r.atanytirne. un g the to of the Loa , 'ender y require.that Co Uni Associau n d es,.Fees,. and
Assess tints escre d b. arca suc dues; and ants: hal an E r)ee-'r
r :B war
shall m furnish to end r all
otic ofamou. to b paid un.erl is Section.Bo war s all p t e Funds
for.E crow Items unless. er ive BoRov+er's o,.igati n to pa ah Funds for ray. r.all:Es w nder may
ulAN Bo ower's ablig"aiion top y to ender Funds fo an or all sc Ito an time.Any uch wai rmay only
be in g.In the event of such wai er,Borrower aha I pa
direct] ,when and.wlle payable,the au due for any
�scr w.It ms for which payment of F. nds.has been afv d..by.L: der nder requires;sh I:fu 'ish to Lender
race] ev encing such an with such time aria as Len or ay require.Borrower's oblig tion to make such
payme an rec pts all fo . oses a dee to vsnant and agr t c d In this:
Security 1. trument;as-1110 rase"co pant and agr .merif1s used.in Section ..1f.Borrower i :obligated topa..Escrow
Items directly,, a waiver,and ils to pay th'e a n e r an Escrow Item, en ermay exercise.
its rights under Section 9 and pay such amount and.Borrower shall than be obligated under Section.9 ta.Tepay to Lender
any such amount Lender.may revoke the waiver As to any or all Escrow ltems at:anytime by a notice given)n 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.
FLORJJM-Single Family_Fannie Maelftdple Mac UNIFORMINSTRUMENT-Form 3010:1101
EOie Mae;Inc. Page 3 of 10 FLEDEED .0515
FLEOESD(cls).
'1212212015 07:98 PM.PST
OR BOOK 3821 PAGE 1796
LOAN#;11111$3292
Lender may,ataanytime,collect and hold Funds ih.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:lendercan require under RESPA.Lender
shall estimate the amount of Funds due on the basis of current data and reasonable:estimates of expenditures,offuture
Escrovr Items or otherwise in accordance with.Applicabfe Law:
The Funds shall beheld in an institution whose deposits are insured by a federal agency;i.nstrUmenlalky;or entity
(including er,a an inslit n whos. positsar o nsure or Fed ra am Loa . an . der
shall a y the F dsto pay ..a Es ow It rto late than t time s ecified and R PA:Le er s tl not rge
Bono er1 oldi 19 d ap Iyin ttie nds,an lily nelyziiig the scrow ou ,or v rifyi the scr Items,
uric Le der paysBor int rest nthI Funds dA plicabl La permits nd .to.ma suc char e.Unless
an a roe ent its made in writing rAp licable't aw req sires lnteresl to paid on e F ds,Len r sh II no a required
to p y'.e mower any interest.or arni gs on the Fund ,:B rower nil:L n r can_ ee in writin ,how er,that inter-
est. all .e paid on.the Fonds. an r ahall give to or wer;wi hout char a annual'account go the Funds as
requi ed. RESPA.
if ere I .surplusun she. ine W.a efin e under SP er shall accoum t owe a excess
sin ccordance with R PA.tf 'ere is a shorts of Fun s held in escro ,as defined u der RESPA,Le er-shall
notify Bomd by RESPA, r shall pay i; ount necessa: shortage
in accordance with RESPA.,but in no more than 12 monthly.payments,.if there Is a.deficiency of Fund 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 more than 12 monthly payments,
Upon payment.in full of alf.surims secured gythls Security Instrument,Lendershall promptly refund to Borrower any
Funds.held by Lender,
4. Charges;Liensi Borrower shall pay all taxes,assessments,charges,fines,and impositions attributable to the
Property which can attain priority.over this Security.lnstrument,.leasehold`payrients or ground rents on the Property,if,
any,and'Com munity Association Does,Fees.,and Assessments,if.any;Tn the extent that these items.are escrow,Items,
Borrower shall paythem in the manner provided in Section 3.
Borrower shall promptly discharge any lien which has priority over ihis: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;(ti)contests the lien in good faith by,or defendsagainstenforcement
of the lien in a gs which i opinion ope a enforc the lie ose
proceedi s are pending,bu only u .'such procee gs-.are oncluded;or(c)`se res from the vide of the:aie an
agree len s ac to Le der bond' mg lien o this crit nt.I Len det rmines hat part
of the Pro rty is:subfe to tie whi can attain riort overt] s$ curity Inst. me t,Len err y e B rrower.a
nota ide tifying the.lien. in 4•d ys ofthe date w. ch that. ot€ is given o er sha sati the enortake
one. r.m re of the actions set f a ova In this Sec on 4
end r M, require Borrowe ao p y a one-time ch rge or a:re I estate tax.ved ation andforre orti, service used
by L de in connectionwith this Loa
5, Pr arty lnsura e.'Bor er all keep e i roveme is n w existing:or hereafter exec ed the Property
insure . gains re,h zards' clu . m the arm'". nded cover e:°and any o r azards no Ing,but
not limit earthquak nd floods;. r which L er req ui s insurance. Is Insurance all be maintai d In the
amounts(inclu Ing ed..uctibie.levels)and, r .e periods,that Lend6r.rciquires.What Lender requires pursuant to the
preceding sentences can.change during the tern of.the Loan.The insurance carrier providing the Insurance.shall be
chosen by Borrower subject to Lender's right to disapprove Borrower'schoice,which right shall not be exercised unrea-
sonably.Lender may require Borrower to pay,in connection with,this Loan,either:: (a)a one-timcharge for flood zone
determination,certification and tracking Services;or(b)a one-time charge for fiood.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-thepayment of any fees imposed bythei Federal
Emergency Management Agency in connection with the review of any flood zone determination resulting from an.objeo-
tion by Borrower.
IFBorowerfailsto maintain any ofthecoverages described above,Lender may obtain insurance coverage,at.Lender's.
option and$orower's expense,l ender is under no obligation.to purchase.any:particular type or arnount of coverage,
Therefore,suchcoverage shalt coverLenderlout Mightor might not protect BgrroWer,Borrower's equity in the Property,
or the content Pro arty against a hazard or Ila fit and mi ht rovide greater or lesser Covera a than:
Wa
s.prey sly in effect, orr war ack wledges th he cast the insurance co age o abtalae 'fns tsignlfic ntly
exceed eco nonce hat B rowe ave tains y a 'sbur d endo nder is S on'S
shall eco. additional ebt 6 B rrow secured this ecurity nsh ment.Th sea our sha ear star st.atthe
Note . to nom the date o ' bu em. t and shall be ay le,wit suc interest, Don notice m L err f Borrower
requ stin payment.
11 in 'rance poticiesrequire by enderand rene als such licies shallbe s .iectto Lender nigh o disapprove
such oli 'es',shall'include:a ata,der mortgage tlau e,.:a d shall na. s mortgagee en ora an additional
toss p yea.Lender all th rfgh a hdld the lici and re eco I certificates:(f Lender requi es, of rower shall
promp give ' all.re ipt of pa ms d ren no orrower obtat fo surance.
coverage, of otherwise.re ired by rider,-for da go to,o destruction of, he Property,s ch poticyshali i clude:a
standard mo: a and shall:nam as mortgagee: _ :additional loss pa
In the event of loss,.Borrower shalt.give prom ptnotl.ce to the lnsurance.*tarrler and Lender.Lender may make proof
of.loss.if not made promptly by Borrower.Unless Lender and Borrower-dtherwise°agree in writing,any Insurance'pro-
coeds;whether'or not the underlying Insurance was.required by Lender,shall,be applied to restoration or repair of the.
Property,if-the restoration or repalr Is economically feasible and..Lender's security is not lessened.During such repair
FLORIDA—Single.Family—Fannie MaerFreddie Mac UNIFORM INSTRUMENT Form 3010 1101
Eille Mae,ine.. Page 4 of-10 FLEDEED 0515
FLEDEED(CLS)
171211201507:16 PM PST
OR BOOK 3821 PAGE 1797
LOAN#r 111/153292
and restoration period,Lender shall have the rightto hold such:fnsurance 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
shall be undertaken promptly:Lender may disburse proceeds fir the.repairs,and restoration in a single payment or in
a series of progress payments at the work is.completed..Unless'an agreement is:made in writing orApplicable Caw
requires Interest to be paid on such insurance proceeds,Lender shall not-be required to pay.Borrower an :interest or
earnings o c p Fees fpr cad u or othe Ir pa es,_re d 6y orrower hail of be pal out
of the i urance roceeds a d shy a the le abli tion df orrower..If the.resto to. rep J,is n con early
feasib or �der's s unity wow be served, a 111ranee p, ce ds shall. ap lied.( .the ms. cur by this
Sec: ity IK trument,wh the or of n due,with f e ex ass;if ny, aid to Por we.Such t sura c pro ads shall,
be a III in.the order provided ori Section 2,
I Bo rower abandons the P ope y,Lender may ti e;n gotiate and se a an.y a Mable insu..r a cl.' and related
matt rs, fBorrower does noire po 'within 30 day :to a notice. rom Lender tlie'insurance c Me has offered to
se.ttl a c im,then Lender may' ego'ate antl seftl the [aim.T e 3 day period will begin when the odea is g!van.
In ei rev I.or if Le er qui s th rope and Sectio o se,Borrower as ' o'Lender'
(a)Bor war's ng to any' suran procee s,in.a mount of to exceed th amounts un id under the No a or this
Security In' ant a )any othero r rights(ofhe aany,.refund'of rums paid
.by Borrower)under all insurance.policies cowering the.Property,insofar as such rights are applicable to the coverage of
the Property.Lender may use the insurance proceeds eifhertarepatr or restore the Property orad pay amounts unpaid
under.the Nate or this Security:Instrument,whether or r1pE then due.
6. Occupancy.,Borrower-shalt occupy,establish,and.use the Property.as.Borrower's.prfnclpal residence within
60;days after the execution of this Secunty Instrun entand sbali;continue.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 unlessextenuating,circumstances exist:which are beyond Borrower's control.
7, Preservation,Maintenance and Protection.of the Property;Inspections.Borrower shall not::destroy,dam
-
age<or Impair the Property,.allow,the Property to deteriorate or commit-waste on the Property,.Whather ornot 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 furiherdeteduration.ordamage..if.
insurance or f10 roceeds are nectionwith taking. , arty; hall
be,respo le for repairing o restori he Property o If.lend rhasreleased proc ds rsuch pu os .Lender ay
disbur pro s e.rep ins a d res to a si le pay t or of. gra pa anis th rk
camp) ted. .the insuran e o con em tion procee are otsuffi ent o repalro Test re the. top orro. r isnot
reliev, d o Borrower's ob on nth completion cf uch pairo res oration;
nd r or its agent may ma 're sanatile entries. poo and.in pec a P. arty.if it h reaso able cause,
Lend r m y inspect the.interior o the mprovements o ane Prope Lender shalt ' .e Borrower no ce a the time of or
prior su h an interior inspectio sp ifying such re son bre eau:e.
a.. Bo owar's Loa is ion. orrower aIf in defaui if, ring the Loan application p. ce ,Borrower or
any pe ns o ctIng tithe 'rectio rrow or wi orrower s edge orcon ntgave rnaten ly fWw,
mWeadin , r inaccurate rmatfon tatement Lender rfailed to de Lender wit anon)in
connection with an,Material represen a ons include,but are.not limited to,representations concern ng Borrower+s
occupancy of the Property:as Borrowers principal residence,
.9. Protection of tender'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.lnstmment,(b).there!s a leigal.proceeding:that
might aigniflcantly affect Lender's interest-in.the Properly andfor rights under this Security Instrument(such as a proceed-
ing in bankruptcy,probate,for condemnation or forfeiture,for'enforcement-of a Tien 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 Property and rights under this
Security.Instrument,including protecting and/or assessing the value.of-the Property,and securing arid/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 attbrneys'fees to protect its Interest in.the
Property and/or rights'.under this Security instrument.including its secured position in bankruptcy proceeding.Secur-.
ing:the Propert ' des,but is.not limited t ening the Prope .'to make'rg 'airs,.change od replace d up
deors and :' dows,.dral a r from pi %eiiminate ilding;or, then code.violatiO.M. or d .9e
\r c'ndlti ns,and h ve
utilitlea t ed A[thou h Le et-m actio under Sec oder oe t ha to,do o an not
under y.d or oblige n to do. ,It i greed the an rincurs o li btlfty for t to 'ng an ora cti s a drized
under his. eciion 9:
A y a ounts disbursed by L ntl under'this Sec ion shall eco a ad nal. bt of Bo war sec red by this
Secu ty I trument,Tress amou Its all bear interest of th Note to from the dot _f disburseme an shalt be pay-
able, ith.. uch interest,upon not a fr m Lender to.B rro r requ stip
If 'fs cu6ty Instrum is o :a I sehold,B ow shail:c mpi with all the provisions oft a le se.Borrower
shall no surra seho es te:an she noon d o. to arcancelth d le . ocrower
shall_not, 'nowt the expres written. sent of Len alter o amend the gro md.lease.,if B rrower acquires a title
toahe Prope , old and the fee ` not merge un s n eragrees to.the mergertn.wrr Ing.
10..Mortgage Insurance.If Lender required Mortgage Insurance as a condiflon of making the Lpan,Borrower.shall
pay'the premiums required tomainlain.the Mortgage Insurance ineffect:If`forany reason,the Mortgage Insurance cov
erage.required by Lender ceases to be avaltable froln the mortgage Insurer that previously.provided such insurance and
Borrower-Wassequired to:make separately designated payments toward the premiums for-Mortgage Insurance.Borrower
F.t QRIDA-:Single Family-Fannio Maefftddle Mae UNIFORM INSTRUMENT Form 301011111
Ellie Mas,Inc, Page:S of 10 FLEOEED 0515
'FLEDEED{CLS)'
y 12I22I2015 Oris 71.,4 QST
OR BOOK 3821 PAGE 1798
1
LOAN#:11111$3292
shall pay the premiums required to obtain coyetgge"substanb.ally..equlvatent to the Mortgage insurance.previously in effect;
at a cost substantially equivalent to"the cost Borrower of the Mortgage Insurance previously in effect,from an.aitemate
mortgage insurer selected by Lender.If substantially equivalent Mortgage Insurance coverage isnot available,Borrower
shall continue to pay to Lender the amount of the separately"designated payments that were due when the insurance
coverage ceased to be in effect.Lender will accept,use and retain these payments as a.non.-refundable loss.reserve.In
lieu of Mo a nsu uch.loss rve sh non-refu a e.,no s ing th . .ct a e L n.is inti . telt'
paid in 1,and der shall Ptbe quire ay.B. coat. interest or earning. on. ch las ase Len can
no:to err uire loss ery pa an f Mor�q a tns ranee c era'e(in the mo tan. fort per d th .Lender
requif es} rovided by an s ers lett by Lendera sin comes avai able is:obt.ine ,and C dsr ire eparately
desi net d payments toward th pre lums.for Mortg gel su,ranc ...f ender r uire M.ortgag_Insu .n as a condi,
aloft "f m Icing the Loan.and So ow,r was required:t ma a sepa ately eslgnated ayments to, rd th premiums for
Mart ag. Insurance,Borrower s all ay the p).:emlu re uired to mai ntain.M age Insurance in fife"t,or to provide
a no.-ref dable loss rese e,u til L der's requir en for Mor g. Insurance ends in acCCrda "ce ith any.written
agree ant een Bo we nd end e ravidi fors ch term tion termination
in,
by. ble;law.
Nothing this Sec ion 10 a cis Be wer's obligatto to pay i terest at the ra provided!n t e Note
Martga . imburses Le entity that . .._ We)for certain our If Bor-
rower does not repaythe,Loan as agreed.Borrower is not a.party to the Mortgage insurance;
Mortgage insurers evaluate their total risk on all"suchdnsurance i0orce fronttime to time,and may eh..terlrito agree-
ments with other parties that share ormodifytheirrisk,or reduce;losses.These agreements,are On terms and conditions
that are satisfactory to the mortgage;insurer and.the:otlier pally(or parties)to these agreements.These agreements
may require the:mortgage insurer tamake 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 relnsurer,:any other entity,of
any affiliate of any of the foregoing,.may receive(directly or Indirectly)amounts that derlve.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;orreducing losses.Itsuch agreement provides that an affiliate of Lender takes a share of the insurer's riskin axchange
for a share.of the premiums paid to the insurer,the arrangernent is often termed"captive reinsurance."Further:
(a) Any such agreements wilihotaffectthe amounts that Borrowerhasagreed"topsyforMortgage insurance,
or"any othe tIt an.Such " ,. " is Will noti unt Borr owe age-
. ,;andthey.Vid no entitle rrowertoan refund.
(b Any a eme coil_not, c gh Borro is — wit res t to he"Mo.ga nsur-
ante" nd the Homeo a "P tact nActof 19 or ny othe la These ri is ayin ude a "ght receive'
ce n dt closures,to. est nd twin cancel lat an. the M rtga Insura ce, have t Me ag nsurance
teen not if automatically,"andf r to receive arefun of riy Mo a Ince emiums two neamed at
the me: f such cancellation o m inatiot
1 , A signment of Miscella ea Proceeds F rfe ure,.All is s Proceeds are her by,a slgned:to and
shalt a pa to Lender.
If t Prop mag ,s Misce us.Pr ads: a be app le o restoration repair of a party;.if
the rester ' r,.or repair is nomicalI asible an nder's s4curic is not le ned During s ai d toraflon.
period,.Lender s a ave the:tight W hold suc. itcdlaneo is Proceeds until Lender has had an opportunliyto inspect such
Property,0 ensure the workhas been completed to Lender's satisfaction,provided that.suchins pectionsteal l be.undertakem
promptly,Lender may pay for the repairs and restoration in a single disbursement or fry seriesof progresspayments as the
work!s completed.Unless.an agreement.is made in writing orAppricable Law requires interest to be paid on such"Miscel-
laneous Proceeds,Lendershall notbe required to pay Borrower any interest or earnings on such Miscellaneous Proceeds,
If..the restoration orrepalris noteconomicallyfeasibleor Lender's securitywould be lessened,the.Mlscetlaneous Proceeds
shall be applied to the sums secured by this Security Instrument;whether or not:then due:with the excess,.lf any,paid to
Borrower.Such Miscellaneous Proceeds shaltbe applied in the order provided for in Section 2.
In the eventofa totaltaking,destruction,or loss:lnvalue ofthe Property,the Miscellaneous.Proceeds shall be applied
to the sums secured.by:this Security Instrument,whether or not thendue,: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 tfie,Prop�
arty immediately-before the partial taking,destruction,or loss.in value Is equal to or greater'than1he amount of the sums
secured by this ty lnst"J'
entimme efare'the partial takin destntctlon;or l4nal ;,.unle 13 mower
and Lend otherwise a e writing a sums se ed by th Security.instrum. steal by a amou tof
AS eIlan neds ultlp d by wing actio , th ount f tcure `imm Lely°befo the rttal taking;des rue` n,o oss in va div ed by O:th fafi me t v upe. !m ediately.
befor th partial taking, ucI on, r loss lhvalue, ny glance shat bepaid t E oI th .eventof a partial taki g, steuctlon,or to s in value th Pro in w tearket glue of theProp rty i edlately before the arti Itaking,destruc ion, r loss valueis less th `.the ums secured.
imm- fat ybefore:thepartialta 'rig,.. estruction ori ss! "value, nle. ._ randrLenderothe"s agreeinwrlt-
ing,t Mi ellaneous Pr ds. all a applied t the um se ure by this Security Instrument he her or not the
sumsa the..
If the rope rty is abs ned by " rrower,or if fter"noti a by Lender t Borrower the the Opposing arty.(as
defined in=thence)offers to ma and to settle a:c aim o. anlages,Borrower faI s"o respon to Lender
within 3oAAys.afterthe.date:the notfce is given,Lender.Is authorized to collect and apply the Miscellaneous Proceeds.
either to restoration or repair of the Property or to the turns,secured by this Security Instrument,whether or not than
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.Misceflaneous Proceeds..
FLORIDA--WglaFamily Fannie:Mao./FraddiaMac UNIFORM INSTRUMENT Form 30101101.
Ellie Mse,Inc.. Page"6 of 10' FLEDEED 0515::
FLEDEED(CLS)
12r221201507:4e'PM"PST
OR BOOK 3821 PAGE 1799
.[:LOAN#:.11111532$2
Borrower shall be.in default if.arlytaction or proceeding;whether civil or criminal,is begunthat in:Lender's judgment,
could result inforfeiture.ofthe Property or-other material'impairmentofLender's interest int.he.Property.or tights undo is
Security Instrument,Borrower can cure such a default and,if acceleration:has:occuffed,reinstate as provided In Section
19,by causing`the action or proceeding to be disraissed.wtth a ruling that;inLender's judgment;precludes forfeiture.of
.the Property orother:material iiripairment.of Lenders interest.ln.the Property or rights under this Security Instrument.The
proceeds o y awe im for da es a e attribute t of u. rest' e: .r erty
are her .y as nod and Sha I.be p ' to Le e,AI isc aneous. ce ds t to olappl ao r toration Tr air of 'Pro erty`s alltil appii in a order
provi ed f r ii Section
2, rrowerNotReleased Fo aranceByLe der otaW ive extensi of timefor yin ntor oddcation
of a,o " U i ofthe sums secu db thisSecurity Ins m ntgran b er•to B .weror an. ucce or in Interest
of B. q.ow r shall not.operats to r leas the.liability.qf B rro ee ora ySrrccessors" nterest of Bonn, er rider shall not
be re uire to-commericeprocee gs ainstanySu ess rinlnte st orrowerortorefuse.toezt dt! efor payment
or oth is odify am ¢ah n o e s s seCL by is Secu ty In tru ent by reason of an ma de by the
original rrolver or any Suc ssors:' .Intem of Borr .er An forbearance by ender in.exe ising any.right o remedy
Including, III I ,Lender's ac . nce ayments f entities or Suc st of Bor-
rower or in amounts less than the amount then due,shall not be a waiver of or precludelhe 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 liabtfty shall be joint and several.However,-any Borrower who cosigns this Security.
Instrument but does not.execute the Note(a°co slgner°)::.(a)is co-signing thisSecurity Instrumento ly-to mortgage,
grant and convey the cosigner's interest in the Property under the terms of this Security Instrument;::(b),is nbt pemorn-
ally 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 tha Note.without the co-signer's consent.
Subject to the provisions of Section.I8,,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.Theoovenanis and agreements of this Security.Instrument.
shall bind(a d in:Section enefil11h a signs of.L
14.: an:Charges: en rmay rge Bonowe ees for ervices performed u nn ction wit Bo wer's de tilt,
forthe urpo ting ende s.inte I Pro. rill an ' his Sec rif trum nt;inc ding tnot
limit to, orneys'fees, ec rty .spe onand vat tion es,In gar: to any o rte the..a sen of pre author-
ity in his. ecurity Instruln to c arg a specific fee Bo ower s all of be.Can tie as:a Or. itiiti on t charging
of su h f Lender may nvk ;ha ge f as that are expr ss( prohibi d._ cirri irsbument. r by Ap ifCabie Law.
I the oar is subject to a la whf h sets maxitnu 'wa -charg 3,.and that law' fjnally iaterpre d:s. that the inter-
est o otli. loan charges collect or be collected i con ection 'th xceed the,permltted limit ;.then:(a)any.
such l an c rgeahall b, ced. yth mountn ss to red a charge to the permitted rim ;an (b)any.sums
already. ollect onow rwhi exce ermil lrtriits ere o e 0 Borrower:Le er may c oo to make.
this refu reducing th rincipal o underttie ore or by akin a direct aymerit:to Bo wer if a refun reduces.
principal,the re u on will be treated as a pa a prepaymentwithoutany:prepaynuenfcharge:(whether or not a:prepayment:
charge is:provided fpr under the Note).,Borrower's acceptance ofany such refund mala bydlrectpayment to Borrowerwilf
constitute a waiver of any right pf actioq Borrower might have aris'in.g out of'such overcharge.
15. Notices..All notices given by Borrower or Lender in connectienvvith this Security.Instrument must be in writing.
Any notice to:Borrower in.connection.with this Security Instrumentshall be deemed to have been given to:Borrower when
mailed by firstclass mail orwhen actually delivered to Borrowers notice address,ifSent by other means..Noticeto any.one
Borrower shall constitute notice to all Borrdwersuniess Applicable Law expressly requires:othenyise.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 bymailing•it by:first classmail to Lenders address stated herein unless Lender:has designated another
address.by not Borrower,Any nottce.in rection with this Security Instrument shall not be deemed.to have been:
givemto L er until ac ly eceived ender,I ., notice r.quired by this..e ty In ment is Iso . ulred a der
Appltra eLa licab1 Law quire 'It 'the. pv. uirem nt erthi' ecu Inst ent.
erring l a Se. era lity' ,tiles of ns clion. is eeurity In rum nt sh I be over ed ti federal
law d Law of the ju io in Ich the prop Is located AII:'.gtits and blig tions c tain in Security
Inst me tare subject to any.re ire .tints and limrtatins. fAppii. bra Law.A icabl :Law mi exp icttl or implicitly
alio the: arties to agree by act r iE might be sile t,b tsuch ilence sl)all:not b construed as pro ition against
agre me t by contract.In the a nt at any.provisl or rause.: f thi nstrument or the Not :conflicts:with
Applr b►e w,such con ha not ct ocher p VISI ns of thi Se urity instrument orlhe Note hic can be given.
effect thou ng p ovisr n.
As u In this e. strume a).words of I rnascu he gender shall mean and inct de corresponds neuter
words or:wor 1 me gender; n:the s{ngula nd'include the p ersa;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:ofthe Note and of this•Secuiity Instrument.
18.Transfer of the Property or a Beneficial Interest in Borrower.As used In this Section 18,"Interest in the
Property"means any tegar:or.beneficlal interest In-the Property,including,but not limited to,those beneficial interests
FLORIDA—Single Famfly—Fannlo MaciFreddle Mac UNIFORM INSTRUMENT Form 30101/01
Ellie Mae,Ino.. Page 7 of 10_ FLEDEEp os>>
FLEDEM(CLS)
12129!2015.07:10 PM h$T'
OR BOOK 3821 PAGE 1800
LOAN#:1'111153292.
transferred in a bond for dead.,contract for deed,,instalEment sales contract orescrow agreement;.fhe 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 inierest.in Borrower is sold or transferred)without:Lender's priorwritten consent,.Lender may
require immediate payment in full of all:sums secured by this Security Instrument.However,this option shall not he
exercised ender I xercise i ohibfte . Appl[cab w.
if L der ex ses this ption., rider 1 give rrowe'otfce of acceleratio Th. otice all p vide• nod
of not ss t n 30 day from the tet notice.is Ivan..accord ince with Sec' n 1.WAthl whie Sort war ust pay
all s s "red by thi Se urit Ins ument.If Bor war Its to ay t ese sum prio to the: xpir f of is period,
Len er y invoke any remedfe pe pitted by this S curl .Instm Tieril without rthe notice or errand o Borrower.
9. orrowers.RighttoRens toAfterAcceler tion IfBorr iwermee .certaf nditions,B. to hall havethe
right o.11 ve:enforcement of this. eCL fly Instrument scor tinued tan time o the:eariiest.of.I a days before
safe fthe ropertypursua to a pa rof sale co Ine in this. u ty Instrument;(b)such other ado as Applicable
Law ' ht: cf for to Ina n.a rrorig to in te;. try of.a judgme rcf Security
lnstrum..L Those condition are th., orrower;(a)p s Lend call sums;whic, then would qa due.under.this Security
Instrument.. s if no acceler carted;(t1) it of any other c . cements;.
(c)pays ail:expenses.incurred in enforcing this Security`Instrument,inclading;but not.limited to,reasonable attorneys'
flees,property inspection and valuation fees;and other fees Incurred for the purpose of protecting Lender's interest in-the,
Property and lights under this Security Instrument;and(d)takes such actions Lendermay reasonably require.to assure
that-Lender's interest.inthe.Property and rights underthis Security instrument,and Borrower'sabligation to.pay the sums
secured.by fhfs Security Instrument,shall contfriue unchanged:Lender may requ[re.that Borrower pay such reinstatement
sums and expenses in one or more ofthe 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:instftution whose
deposits.are Insured by.a federal agency;instrumentality or entity;or(d).Electronic Funds Transfer.Upon reinstatement
by Borrower this Securitylnstrumentand obiigations.secured hereby shall remafnfully effective.as if no acceleration had:
occurred.However,this rightto reinstate shelf not apply Inthe case of acceleration under Section 18:
20.Sale of Note;Change of LoanServicer;Notice of Grievance.The Note.ora partial{nterest in the Note(together
With this Security Instrument)can be sold one or morefimeswithoutOdor notice to Borrower.A sale might result in a change
in the entity e" n Servicer s Pert odic P r the No Secu" ant
I
pert s other mort age, an,se '.ing obligations. nderth Note,this Security 1. ru nt,.and pIf to Law. ere
also m'ht b ne or: re:ch nga of th oan foe prelate. o a Not ,if.. els Chan oft ban
s r,8 rowerwillbe ive wn an ticeofthech nge. ich'wll stat dianame nd duras. fth . e Loa .Seriricer,
thea re s to which:pay is s out be made and a y of er info ati n RESP qui es.in co esti wi a nafice of
trans er o servicing.
If the Note 1 sol and thereafter a Lo n is i an S rvlcer other an thurchaser of,
the: ore, he mortgage loan servi ing blfgations to Bo:ow will.re ain with the Lo Servicer or be ns erred to a:suo-
cess r Lo.n.Servicer.and are'not $u ed by the.Not .pu fiaser u tese provided by the N to p rchaser..
N. [the Orcower ,na e_ er ,ay c mence ' in,a bejoine .t0 ny judicial action(as either.fI in ividuat litigant
or the. mber ss)th arise from at p s ac`ons pursuant :this Security strument or.;th alleges
that the o arty has ached any viii !on r any out we b re af,thin Secu' til.such:
Borrower or Lender as notified theother pa (with.such notice given In compliance with the requirements of Section
15)of such alleged breach and afforded the other patty hereto a reasonable period after the giving of such notice totake:
corrective action.IfApplicable Lawprovfdes a time period which mustelapsebefore 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'inthis Section 21:.(a)"Hazardous Substances"are.those:substances defined
as toxic or hazardous substances,pollutants,.or wastes'by Environmental Law and the following substances::gasoifn%
kerosene;other flammable or toxic petroleum products,toxic pesticides and herbicides;,volatile solvents,materials con-
taining asbestos or formaldehyde,andradioactive materials;,(b)'Environmental Law"means federal taws and laws.of
the)ur!sdiction where the Property 1s located that relate-to health,safety or enVironmentaf protection,(c)"Environmental
Cleanup"includes.any response action,rernediataction,or removal action.,is.defined in.Environmental Law;:and(d)an..
°Environment tion"meansaconditio n.cause,contdbLiteto orothenvise.triggeranEnvironmentalVeanup.
6orco r shall not use or perm a presenc , se,dls sal,storege,:or r se.Wdbdo. .Substan ,s,
orthre en to• ny Ha ardo Sub ono nthe erty rsh nw. . yone .e to
do,a thin affectinglh Pro a (a)t t)s in viol ion any En iron ental La ,(b) an: noir nmental
Con tion or(c)which,d. the res rice,use,orre ase faHa rdo s Sutista ce, ' th adversely
affec s th value of the.Propeity The preceding two s rite ccs.sh II n f a the eor st ge on theProp rty small quantities ofH and us Substances at re gen rallyrecognized beo nnal resider=
dal u es d to maintenance oft e P erty(Includin,b not liml d t' s substanceat C nsu er products);
e.rro r shall promp ve L ride written ria`e of )any",,.r
atop,claim;demand,.lawst t or ther.action by
any go crime ulato age cy:or arty.•i ofvin`. Pro d anyHazar¢o. ., .sta: Environ-
mental L of wnlch Borro r has ac t knowledg b)any' nvironmental C ndition,[nciu ng but natiim(te to,any
spilling,leaking, ge;releaseorthrea ase of any Mazar ous. u stance.,and(c)any con I con caused bythe.
presence,use or release of:a Hazardous Substance which adversely affects the value of the.Property.if Borrower learns;
offs hotifeii.byany.governm,Iorregufatoryauthority,oranyprivateparty,.thatanyremovalorotherremediationofany
HazardousSubstance affecting theProperty,is.necessary;Borrower shall promptly tAe.all necessary remedial actions in
accordancewith Environmental Law.Nothing herein shall create any obligation on Lender for an Environmental Cleanup.
FLORIDA—Single Farnly-Fannie MaelFretldie Mae UNIFORM INSTRUMENTFonn 30101101'
Ellie Mae.,Inc, Page'8 of 10rLEDeED 6515'
FLEDEED(CLS):
17J22=15.67:16 PM P;4T
OR BOOK 3821 PAGE 1801
LOAN Ni 1111163292
NON�UNIFORM'COVENANTS,.Borrower.and Lender further covenaot.and agre=e as follows:
22.Acceleration;Remedies,Lender shali.give notice to Borrower prior to a;cCCI atian fallowing Borrower's
breach.of any covenantor agr"mont In this Security Instrument(but'nal prior to acceleration under Section 18'
t unless Applicable taw provides otherwise),The notices.hallspecify:(a)thedefauit;(b)theactlorirequiredtocurathe
default;(c)a date,not.less than 30 days from the date the notice is given to Borrower;by which the.defauttmust be;
CU=
an cure the u before th he no a may ; ulk acts e. tion
ofttia ns secured by tht Sed instrument tos byjudiclal.prticee in
Ind sal f th ro .The
vatic steal ether rm rro rat Bright rein to after cc oration dth ,right as rt eta closure,
Patadi g tho none sto co a faint or the the defens of arrower ae'etera#1 an, l ure.It the
de ult i not cured on of e t date spoci#I in t noti o,:L nder at op on may qui tm edlate pay-
itl tin. fl of all sums secure by lis Security tns,. rim nkvui ut demo and.may f ecfo this.Security
Inst um nt by judiclat,procee g. ender shad be ntlt! 1120 co loot expa s;Incurred in pu ui the remedies
pro ide In this Section 22,Inc'din ,buknotlimi d t ,,roaso ahl attameys'feos and casts tftt .evidence,
RUpon:' y lit .all s s.secu d by Is Securi .in ent,i<endershalt re this my Iristni-
ment. rrowe ayan recor_ tion cos s. end may d rge Borrower a foe forreleasi g this Security in trument,
butoniyI fee is paid third party , ervice nderedan thefeefsperml. abie.Law.
24.Attorneys'Fees.As used in this Security Instrument.and1he Note;attomeys'fees shall include those awardedd,
byari appellate court and any attomeys'fees incurred in a bankruptcy-proceeding.
26,,Jury Trial Waiver,The Borrower hereby.walves'any right to a trial by juryin any action,proceeding.claim.,or
counterciaim,Whether in contract ortort,at law or in equity,arising out of oris any wayrelafed to this Security Instrument
or the Note:
BY SIGNING:BELOW,Borrower accepts..and agrees to the terms and covenants containedin this Security'Instrument.
and in any Rider executed by Borrower and recorded With it,
Signed,s ed.and:d I ere in the p sence.of.
}
!°L (Seat?
LEXIS Ft HER DATE
G_ ct '
State of �v Y�: County.of �cC4 '^�
The foregoing instrument was acknowledged before me this 23rd da cz[p EMBER,2016 by LEXIS K
FISHBR,who islare personalty known to me;or who has/have produced R f�s 1jCENSt as
identtfioation,
igna re
dr. Not it1 P z,loco fieri
Michelle Lea=
i MY commsatan Title rRa.
afty E%Plres 4br21lt2a1
S tat Number,(I any)
FLDROA—Single'i-arrilly—Foarleo MaelFreddio Mac UNIFORM INSTRUMENT Form 30101101
E01e N,ae;Inc; Page 9 of 10 FLEDECD:11515
FLEDEED
12122/2015 t)7;113 PM f'TST-
OR BOOK 3821 PAGE 1802
LOAN# 1111153292
Lender,.FBC Mortgage,LLC
L.s D 1
: " :.1
Loan Or nator:Goo. e firte
NMLS .:37
D
70CPY
D
D
C (Opy I
moploA r sinife.Fpmuy.-Fannie MaelFraddla Mac UNIFORM INSTRUMENT Form 30101/01
Prle map.Inc. Page 10 of 10 FLEDEED 0515
FLEDEED(CLS)%
1=212M0?'wpmPST
OR BOOK 3821 PAGE 1803
F.soovy:Fft No,-.74224-70
EXHIBIT"A."
Lot 20,Bloch 39,RIVER PARK UNIT 4,according.to the Plat thereof;recorded in Plat
Book 11,Pagc(s).9 of the Pohlic Records 0 St,Lucie G.ouniy,, .orida.
D
COPY
D
COPY
c , ED