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HomeMy WebLinkAbout2000 - Deed of Trust - Haggard William / Mortgage Brokers Services / Stewart Title - 2000112900071220001129000712 Return Address MORTGAGE BROKERS SERVICES, INC. 19550 INTERNATIONAL BLVD., SUITE 203 SEATAC, WA 98188 MBSi Loan No 000278 Lender Loan No 998170641 (Space Above This Line For Recording Bata] WASHINGTON -- Single Family -- Fann a Mar/Freddie Mac Uniform Instrument 7TLM 1981L1 (9701) (Page 1 ot 8 pages) 1111 1 20001 29000 i /20 11 OF 058 15 00 l KING COUNTY, WA ■ 12 1 DEED OF TRUST STEWART TITLE Grantor(s) (Borrower) (1) WILLIAM W. HAGGARD tDU / U v' 3 - (2) LETFIEJEAN HAGGARD (3) (4) (5) (6) Grantee(s) (Beneficiary & Trustee) (1) MORTGAGE BROKERS SERVICES, INC. (2) STEWART'I'ITLE Legal Description (abbreviated) LT 1, KCSP #386043, //8702121114. additional legal(s) on page one (1) Assessor's Tax Parcel ID 11 734060 - 0160 -07 THIS DEED OF TRUST ( "Security Instrument ") is made on November 21, 2000. The grantor is WILLIAMW. HAGGARD AND LETTIEJEAN HAGGARD , HUSBAND AND WIFE ( "Borrower ") The trustee is STEWART TITLE ( "Trustee ") The beneficiary is MORTGAGE BROKERS SERVICES, INC , A WASHINGTON CORPORATION, which is organized and existing under the laws of Washington, and whose address is 19550 INTERNATIONAL BLVD., SUITE 203, SEATAC, WA 98188 ( "Lender ") Borrower owes Lender the principal sum of One Hundred Eighty Six Thousand Eight Hundred and no /100 Dollars (U S $186,800 00) This debt Is evidenced by Borrower's note dated the same date as this Security Instrument ( "Note "), witch provides for monthly payments, with the hill debt, if not paid earlier, due and payable on December 1, 2000 This Security Instrument secures to Lender (a) the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modihic,ations of the Note, (b) the payment ot all other sums, with interest, advanced under paragraph 7 to protect the security of this Security Instrument, and (c) the performance of Borrower's covenants and agreements under this Security Instrument and the Note For this purpose, Borrower irrevocably grants and conveys to Trustee, in trust, with power of sale, the following described property located in KING County, Washington LOT 1 OF KING COUNTY SHORT PLAT NO. 386043, RECORDED UNDER RECORDING NUMBER 8702121114, RECORDS OF KING COUNTY, WASHINGTON which has the address of 11532 - 40TH AVENUE SOUTH, TUKWILA, WA 98168 ( "Property Address "). TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property All replaLements and additions shall also he covered by this SeLurity Instrument All of the foregoing is referred to in this SeLUrity Instrument as the "Property " BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to grant and convey the Property and that the Property is unencumbered, except for enLumhrances of Form 3048 9/90 GRLATLAND ! n O akr Call 1 81X1 530 9393t]Faa 616 791 1131 record Borrower warrants and will defend generally the title to the Property against all claim% and demands, subject to any encumbrances of record THiS SECURITY INSTRUMENT combines uniform covenant% for national use and non - uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property UNIFORM COVENANTS Borrower and Lender covenant and agree as tollows l Payment of Principal and Interest; Prepayment and Late Charges Borrower shall promptly pay when due the principal of and interest on the debt evidenced by the Note and any prepayment and late charges due under the Note 2. Funds for Taxes and Insurance. Subject to applicable law or to a written waiver by Lender, Borrower shall pay to Lender on the day monthly payments are due under the Note,, until the Note is paid in full, a sum ( "Funds ") for (a) yearly taxes and assessments which may attain priority over this Security Instrument as a lien on the Property, (h) yearly leasehold payments or ground rents on the Property, if any, (c.) yearly hazard or property insurance premiums, (d) yearly flood insurance premiums, if any, (e) yearly mortgage tnsurance premiums, if any, and (f) any sums payahle by Borrower to Lender, in accordance with the provisions of paragraph 8, in lieu of the payment of mortgage insurance premiums These items are called "Escrow Items " Lender may, at any time, collect and hold Funds m an amount not to exceed the maximum amount a lender for a federally related mortgage loan may require tor Borrower's escrow account under the federal Real Estate Settlement Procedures Act of 1974 as amended from tune to time, 12 U S C § 2601 et set] ( "RESPA "), unless another law that applies to the Funds set% a lesser amount if so, Lender may, at any time, collect and hold Funds in an amount not to exceed the lesser amount Lender may estimate the amount of Funds due on the basis ot current data and reasonable estimate% at expenditures ot future Escrow Items or otherwise in accordance with applicable law The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is such an institution) or in any Federal Home Loan Bank Lender shall cv apply the Funds to pay the Escrow Items Lender may not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower c a Interest on therFunds and applicable law permits Lender to snake such a charge However, Lender may require Borrower to pay a one -time charge for an independent real estate tax reporting service used by Lender in cp connection with this loan, unless applicable law provides otherwise Unless an agreement is made or applicable rn law requires interest to he paid, Lender shall not be required to pay Borrower any interest or earnings on the cv Funds Borrower and Lender may agree in writing, however, that interest shall he paid on the Funds Lender shall give to Borrower, without charge, an annual accounting of the Funds, showing credits and debits to the Funds and the purpose for which each debit to the Funds was made The Funds are pledged as additional c, security tor all sums secured by this Security Instrument If the Funds held by Lender exceed the amounts permitted to he held by applicable law, Lender shall cv account to Borrower for the excess Funds in accordance with the requirement% of applicable law it the amount of the Funds held by Lender at any time is not sufficient to pay the Escrow Items when due, Lender may so notify Borrower in writing, and, in such case Borrower shall pay to Lender the amount necessary to make up the deficiency Borrower shall make up the deficiency in no more than twelve monthly payments, at Lender's sole discretion Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender If, under paragraph 21, Lender shall acquire or sell the Property, Lender, prior to the acquisition or sale of the Property, shall apply any Funds held by Lender at the time of acquisition or bale as a credit against the sums secured by this Security instrument 3. Application of Payments. Unless applicable law provides otherwise, all payments received by Lender under paragraphs 1 and 2 shall he applied first, to any prepayment charges due under the Note, second, to amounts payable under paragraph 2, third, to interest due, fourth, to principal due, and last, to any late charges due under the Note 4. Charges, Liens. Borrower shall pay all taxes, assessments, charges, fines and impositions attributable to the Property which may attain priority over this Security Instrument, and leasehold payments or ground rents, if any Borrower shall pay these obligations in the manner provided m paragraph 2, or if not patd in that manner, Borrower shall pay them on time directly to the person owed payment Borrower shall WASHINGTON -- Single Family-- Fannie Mae/Froddic Mac Uniform Instrument rr•M 19R3u (9700 (Page 2 of 8 pages) Form 3048 9/90 GRFATLAND fs I n f rdo Call 1 8(0 5111 919101 as 616791 1131 promptly turnish to Lender all notice% of amounts to he paid under this paragraph It Borrower makes these payments directly, Borrower shall promptly furnish to Lender receipts evidencing the payments Borrower shall promptly discharge any hen which has priority over this Security Instrument unless Borrower (a) agree% in writing to the payment of the obligation secured by the hen in a manner acceptable to Lender, (b) contests in good faith the lien by, or defends against enforcement of the hen in, legal proceeding% which in the Lender's opinion operate to prevent the enforcement of the Tien, or (c) secures from the holder of the hen an agreement satisfactory to Lender subordinating the lien to the Security Instrument If Lender determtnes that any part of the Property is subject to a lien which may attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien Borrower shall satisfy the lien or take one or more of the actions set forth above within 10 day'. of the giving of notice 5 Hazard or Property Insurance. Borrower shall keep the Improvements now existing or hereafter erected on the Property tnsured against loss by fire, hazards included within the terns "extended coverage" and any other hazards, including floods or flooding, for which Lender require~ insurance This Insurance shall be maintained in the amounts and for the periods that Lender requires The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's approval which shall not be unreasonably withheld If Borrower fads to maintain coverage described above, Lender may, at Lender's option, obtain coverage to protect Lender's rights in the Property in accordance with paragraph 7 All insurance policies and renewals shall be acceptable to Lender and shall include a standard mortgage clause Lender shall have the right to hold the polu.ies and renewals If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notu.es In the event of loss, Borrower shall give prompt notice to the insurance earner and Lender Lender may make proof of loss if not made promptly by Borrower Unless Lender and Borrower otherwise agree in writing, insurance proceed% shall be applied to restoration or repair of the Property damaged, if the restoration or repair is economically feasible and Lender's security is not lessened If the restoration or repair is not economically feasible or Lender's Security would be lessened, the insurance proceeds shall be applied to the sum` secured by this Security instrumnent, whether or not then due, with any excess paid to Borrower If Borrower abandons the Property, or does not answer within 30 daysa notice from Lender that the insurance carrier has offered to settle a claim, then Lender may collect the insurance proceeds Lender may use the proceeds to repair or restore the Property or to pay sums secured by this Security Instrument, whether or not then due The 30 -day period will begin when the notice is given Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in paragraphs 1 and 2 or change the amount of the payments If under paragraph 21 the Property is acquired by Lender, Borrower's right to any insurance policies and proceeds resulting from damage to the Property prior to the acquisition shall pass to Lender to the extent of the sums secured by this Security Instrument immediately prior to the acqutstuun 6. Occupancy, Preservation, Maintenance and Protection of the Property, Borrower's Loan Application; Leaseholds. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within sixty days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at (east one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not he unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate, or cominit waste on the Property Borrower shall he in default it any forfeiture action or proceeding, whether civil or criminal, is begun that in Lender's goad faith judgment could result in forfeiture of the Property or otherwise materially impair the lien created by this Security Instrument or Lender'~ security interest Borrower may cure ti uLii a default and reinstate, as provided in paragraph 18, by causing the action or proceeding to be dismissed with a ruling that, in Lender's good faith determination, precludes forfeiture of the Borrower's interest in the Property or other material impairment of the lien created by this Security Instrument or Lender's security interest Borrower shall also he in default tt Borrower, during the loan application process, gave materially false or inaccurate information or statements to Lender (or failed to provide Lender with any material information) in connection with the loan evidenced by the Note, including, but not limited to, representations concerning Borrower's occupancy of the Property as a principal residence If this Security instrument is on a leasehold, Borrower shall comply with all the 11 LM 19831 3 19701) (Page 1 at 8 pages) Form 3048 9/90 GREATLAND 1 n Ordu (all 1 800 510 9393cr,, 616191 1 111 . 1IFM 198314 077(11) provisions Of the lease If Borrower acquires fee title to the Property, the leasehold and the lee title shall not merge unless Lender agrees to the merger in writing 7 Protection of Lender's Rights in the Property. It Borrower fails to perform the covenants and agreements contained in this Security Instrument, or there is a legal proceeding that may significantly affect Lender's rights in the Property (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture or to enforce laws or regulations), then Lender may do and pay for whatever is necessary to protect the value of the Property and Lender's nghts in the Property Lender's actions may include paying any sums secured by a hen which has priority over this Security Instrument, appearing in court, paying reasonable attorneys' fees and entering on the Property to make repairs Although Lender may take action under this paragraph 7, Lender does not have to do so Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Borrower secured by this Security Instrument Unless Borrower and Lender agree to other terms of payment, these amounts shall bear interest from the date of disbursement at the Note rate and shall be payable, with interest, upon notice from Lender to Borrower requesting payment 8. Mortgage Insurance. If Lender required mortgage insurance as a condition of making the loan secured by this Security Instrument, Borrower shall pay the premiums required to maintain the mortgage insurance in effect If, for any reason, the mortgage insurance coverage required by Lender lapses or ceases to be in etfect, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the mortgage insurance previously in effect, at a cost •substantially equivalent to the cost to Borrower of the mortgage insurance previously in effect, from an alternate mortgage insurer approved by Lender if substantially equivalent mortgage insurance coverage is not available, Borrower shall pay to Lender each month a sum equal to one - twelfth of the yearly mortgage insurance premium being paid by Borrower when the insurance coverage lapsed or ceased to be in effect Lender will accept, use and retain these payments as a Toss reserve in lieu of mortgage insurance Loss reserve payments may no longer be required, at the option of Lender, if mortgage insurance coverage (in the amount and for the period that Lender requires) provided by an insurer approved by Lender again becomes available and is obtained Borrower shall pay the premiums required to maintain mortgage Insurance in effect, or• to provide a loss reserve, until the requirement for mortgage insurance ends m accordance with any written agreement between Borrower and Lender or applicable law 9. Inspection. Lender or its agent may make reasonable entries upon and inspections of the Property Lender shall give Borrower notice at the time of or prior to an inspection specitying reasonable cause for the inspection 10. Condemnation. The proceeds of any award or claim tor damages, direct or consequential, in connection with any condemnation or other taking of any part of the Property, or for conveyance in lieu of condemnation, are hereby assigned and shall be paid to Lender In the event of a total taking of the Property, the proceeds shall he applied to the sums secured by this Security Instrument, whether or not then due, with any excess paid to Borrower in the event of a partial taking of the Property in which the fair market value of the Property immediately before the taking is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the taking, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the proceeds multiplied by the following fraction (a) the total amount of the sums secured immediately before the taking, divided by (b) the fair market value of the Property immediately before the taking Any balance shall be paid to Borrower In the event of a partial taking of the Property in which the fair market value of the Property immediately before the taking is less than the amount of the sums secured immediately before the taking, unless Borrower and Lender otherwise agree in writing or unless applicable law otherwise provides, the proceeds shall he applied to the sums secured by this Security Instrument whether or not the sums are then due If the Property is abandoned by Borrower, or it, atter notice by Lender to Borrower that the condemnor offers to make an award or settle a claim for damages, Borrower tails to respond to Lender within 30 days after the date the notice is given, Lender is authorized to collect and apply the proceeds, at its option, either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due (Page 4 of R pages) Form 3048 9/90 4tttATIAND !• III Order C II 1 80(45111919301 a 616 791 1131 Unless Lender and Borrower otherwise agree in writing, any application of proceed` to principal shall not extend or postpone the due date of the monthly payments referred to in paragraphs 1 and 2 or change the amount of such payments 11. BorrowerNot Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to any successor in interest of Borrower shall not operate to release the liability of the original Borrower or Borrower's successors in interest Lender shall not be required to imminence proceedings against any successor in interest or refuse to extend ttme for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or Borrower's successors in interest Any forbearance by Lender in exercising any right or remedy shall not he a waiver of or preclude the exercise of any right or remedy 12 Successors and Assigns Bound; Joint and Several Liability, Co- signers. The covenants and agreements of this Security Instrument shall bind and benefit the successors and assigns of Lender and Borrower, subject to the provtstons of paragraph 17 Borrower's covenants and agreements shall he joint and several Any Borrower who co -signs this Security Instrument but does not execute the Note (a) is co- signing this Security Instrument only to mortgage, grant and convey that Borrower's interest in the Property under the terms of this Security Instrument, (b) is not personally obligated to pay the sums secured by this Security Instrument, and (c) agrees that Lender and any other Borrower may agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without that Borrower's consent 13 Loan Charges. If the loan secured by this Security Instrument is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the loan exceed the permitted limits, then (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit, and (b) any sums already collected from Borrower which exceeded permitted limits will he refunded to Borrower Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge under the Note 14. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by mailing it by first class mail unless applicable law requires use of another method The notice shall be directed to the Property Address or any other address Borrower designates by notice to Lender Any notice to Lender shall be given by first class mail to Lender's address stated herein or any other address Lender designates by notice to Borrower Any notice provided for in this Security Instrument shall be deemed to have been given to Borrower or Lender when given as provided in this paragraph 15. Governing Law; Severabtlity.This Security Instrument shall he governed by federal law and the law of the jurisdiction in which the Property is located In the event that any provision or clause of this Security Instrument or the Note conflicts with applicable law, such conflict shall not affect other provisions of this Security Instrument or the Note which can he given effect without the conflicting provision To this end the provisions of this Security Instrument and the Note are declared to be severable 16 Borrowcr'sCopy Borrower shall be given one conformed copy of the Note and ot this Security Instrument 17. Transfer of the Property or a Beneficial Interest in Borrower. It all or any part ot the Property or any interest in it is sold or transferred (or if a beneficial Interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's prior written consent, Lender may, at its option, require immediate payment to full of all sums secured by this Security Instrument However, this option shall not he exercised by Lender it exercise is prohibited by federal law as of the dare of this Security Instrument If Lender exercises this option, Lender shall give Borrower notice of acceleration The notice shall provtde a pertod of not less than 30 days from the date the notice is delivered or mailed within whtch Borrower must pay all sums secured by this Security Instrument If Borrower falls to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further nottee or demand on Borrower 18 Borr,ower'sRight to Reinstate. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earlier ot (a) 5 days ITEM 1983L5 (9701) (Page 5 of 8 pages) Perm 3048 9/90 GREATLAND ■ To Ortkr Catl 1 8011 530-93930Fax 616 -791 1131 (or such other period as applicable law may specify tor reinstatement) before sale ot the Property pursuant to any power Of sale contained in this Security Instrument, or (h) entry ot a tudgment enforcing this Security instrument Those conditions are that Borrower (a) pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred, (h) cures any default of any other covenants or agreements, (c) pays all expenses incurred in enforcing this Security Instrument, including, but not iunited to, reasonable attorneys' fees, and (d) takes such action as Lender may reasonably require to assure that the hen ot this Security instrument, Lender's rights in the Property and Borrower's obligation to pay the sums secured by this Securay Instrument shall continue unchanged Upon reinstatement by Borrower, this Security instrument and the obligations secured hereby shall remain fully effective as if no acceleration had occurred However, this right to reinstate shall not apply in the case of acceleration under paragraph 17 19 Sale of Note; Change of Loan Servtcer. The Note or a partial Interest in the Note (together with this Security Instrument) may be sold one or more times without prior notice to Borrower A sale may result nn a change in the entity (known as the "Loan Servtcer ") that collects monthly payments due under the Note and this Security Instrument There also may be one or more changes of the Loan Servtcer unrelated to a sale of the Note If there is a change of the Loan Servtcer, Borrower will be given written notice of the change in accordance with paragraph 14 above and applicable law The notice will state the name and address of the new Loan Servtcer and the address to which payments should he made The notice will also contain any other information required by applicable law • . 20. Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances on or in the Property Borrower shall not do, nor allow anyone else to do, anything affecting the Property that is in violation of any Environmental Law The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities ot Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property Borrower shall promptly give Lender written notice of any investigation, claun, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge It Borrower learns, or is notified by any governmental or regulatory authority, that any removal or other remediattoit of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions to accordance with Environmental Law As used in this paragraph 20, "Hazardous Substances" are those substances defined as toxic or hazardous substances by Environmental Law and the following substances gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides; volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials As used in this paragraph 20, "Environmental Law" means federal laws and laws of the Iurtsdtction where the Property is located that relate to health, safety or environmental protection NON - UNIFORM COVENANTS Borrower and Lender further covenant and agree as tollows 21 Acceleration, Remedtes Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under paragraph 17 unless applicable law provides otherwise). The notice shall specify (a) the default; (b) the action required to cure the default; (c) a date, not less than 30 days from the date the notice is given to Borrower, by which the default must be cured; and (d) that failure to cure the default on or before the date specified m the notice may result in acceleration of the sums secured by this Security Instrument and sale of the Property at public auction at a date not less than 120 days in the future The notice shall further inform Borrower of the right to reinstate after acceleration, the right to bring a court action to assert the non - existence of a default or any other defense of Borrower to acceleration and sale, and any other matters required to be included in the notice by applicable law If the default is not cured on or before the date specified in the notice, Lender at its option may require immediate payment in full of all sums secured by this Security Instrument without further demand and may invoke the power of sale and any other remedies permitted by applicable law Lender shall be entitled to collect all expenses incurred to pursuing the remedies provided in this paragraph 21, including, but not limited to, reasonable attorneys' fees and costs of title evidence. ITEM 1983L6 (9701) (Page 6 ot 8 page~) Porn 3048 9/90 G1tLA(LAND t Ti, Order Call 1 800 5319393011, 616 791 1131 If Lender invokes the power of sale, Lender shall give written notice to Trustee of the occurrence of an event of default and of Lender's election to cause the Property to be sold. Trustee and Lender shall take such action regarding notice of sale and shall give such notices to Borrower and to other persons as applicable law may require. After the time required by applicable law and after publication of the notice of sale, Trustee, without demand on Borrower,shall self the Property at public auction to the highest bidder at the time and place and under the terms designated in the notice of sale in one or more parcels and in any order Trustee determines. Trustee may postpone sale of the Property for a period or periods permitted by applicable law by public announcement at the tune and place fixed In the notice of sale Lender or its designee may purchase the Property at any sale. Trustee shall deliver to the purchaser Trustee's deed conveying the Property without any covenant or warranty,expressed or implied The recitals in the Trustee's deed shall be prima facie evidence of the truth of the statements made therein Trustee shall apply the proceeds of the sale in the following order: (a) to all expenses of the sale, including, but not limited to, reasonable Trustee's and attorneys' fees; (b) to all the sums secured by this Security Instrument; and (c) any excess to the person or persons legally entitled to it or to the clerk of the superior court of the county in which the sale took place. 22. Reconveyance Upon payment of all sums secured by this Security Instrument, Lender shall request Trustee to reconvey the Property and shall surrender this Security Instrument and all notes evidencing debt secured by this Security Instrument to Trustee Trustee shall reconvey the Property without warranty and without charge to the person or persons legally entitled td it Such person or persons shall pay any recordation costs 23. Substitute Trustee. In accordance with applicable law, Lender may from time to time appoint a successor trustee to any Trustee appointed hereunder who has ceased to au Without conveyance of the Property, the successor trustee shall succeed to all the titled, power and duties conferred upon Trustee herein and by applicable law 24. Use of Property. The Property is not used principally tor agricultural or farming purposes 25. Riders to this Security Instrument. If one or more riders are executed by Borrower and recorded together with this Security Instrument, the covenants and agreements of each such rider shall he incorporated into and shallramend and supplement the covenants and agreements of this Security Instrument as if the rider(s) were a part of this Security Instrument [Check applicable hox(es)] [ ] Adjustable Rate Rider [ ] Condominium Rider 1 1 1 -4 Family Rider [ ] Graduated Payment Rider . [ ] Planned Unit Development Rider 1 1 Biweekly Payment Rider [ ] Balloon Rider I ] Rate I iprovement Rider 1 1 Second Horne Rider [ ] Other(s) [specify] ITEM 1983L7 (9701) (Page 7 of 8 pages) Form 3048 9190 GRLATLAND • 1n Order Cdr 1 RIM) 530 939301 az 616 391 1131 ORAL AGREEMENTS OR ORAL COMMITMENTS TO LOAN MONEY, EXTEND CREDIT, OR TO FORBEAR FROM ENFORCING REPAYMENT OF A DEBT ARE NOT ENFORCEABLE UNDER WASHINGTON LAW BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in pages 1 throu:h 8 of tin Secur r ■ r • � t and in any rider(s) executed by Borrower and recorded with n ') (Seal) _ 11s1�Ce..: W HA • '/ -:. - . - Borrower U1 ele . i %VW Witness STATE OF WASHINGTON, KING County ss Date ITCM 19031.6 (9701) (Seal) - Borrower (Seal) -Borrower Witnhls On this day personally appeared before me WILLIAMW HAGGARD AND LETTIEJEAN HAGGARD , HUSBAND AND WIFE , to me known to be the individual described in and who executed i r !thin and foregoing instrument, and acknowledged that he (she •signed the same as his (her j free and voluntary ict and deed, for the uses and purposes therein mentioned Given under my hand and official seal this 99DDd day of ..--- t�ivpmhPr 49- 23 )O My Commission expires /0//7/G' Z C - C',.5 - -�Th P ubii and Notary for Cu, Suit. ashinglon raiding at / 4 AJA 7 REQUEST FOR RECONVEYANCE To Trustee The undersigned is the holder of the note or notes secured by this Deed of Trust Said note or notes, together with all other indebtedness secured by this Deed of Trust, have been paid in full You are hereby directed to cancel said note or notes and this Deed of Trust, which are delivered hereby, and to reconvey, without warranty, all the estate now held by you under this Deed of Trust to the person or persons legally entitled thereto (Page 8 of 8 pages) 1 �r Seal) - Borrower (Seal) - Borrower (Seal) - Borrower Form 3048 9/90 GRhATL'NI) 61 10 Order Call 1 600 530 939301 ax 616 791 1131