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FEDERAL
Credit Union
Richard l'.Wntheed Tit,A Ete,ow,Inc. DAl1i MIOMmm..
4443N St INIBR016 1026-/08910
Neputa Beach,FL 32266 Hs�dFSIXliwtal 0g0FR YA
Pon 1(904)24]-514] 16411014
Atm: Beth Mut by
Navy lr blCredit Union's fNFCU)bwmwer(s)Ideoti&d below,bn%w, derigrad your comwey to Mndk the aenlenent of the
reel LOAN. ASH URCMdin OR WE AVYFMioo, IFNFCL IANIO 'RONSGNNOTBES/PROVUMAY NOT56TTLE
THIS LOAN.CASH OUR CHECK OR WE NAVYFEDERAL CREDIT UNIONSFUNOSOTHERWISE PROVIDED.
IF SETTLEMENT DOES NOT OCCURONMY 1021/1016 .PLEASECONEACr Daniellellarody
FOR FURTHM IWSMRUMONS AND)OR REDRAWN DOCUMENTS
PHONE NO.(377)573.2314 FAXNO.(4166)433-7004 EMAIL ADDR.Dwdalk Ebadyl�navyfsdaal.wg
NAMES OF MORTGAGOR(S)—:MARK F YARANON
PROPERTY ADDRESS: 1201 GLADIOLA ST
Athmta Beach,FL 32233
'Yon are repnlbk Nreami*t,Sit borrnwer(e)mb Y dacatwb EXACTLY AS TYPEDI
SALES PRICE/VALM S 291 .00 INTEMTHNTE 4.975%
LOAN AMOUNT I S 00 TERM
WNPAYMEM Is 14.U5.00 PRINCR'AL T Is 1-46551
LOAN TYPE/PURPOSE: Cmveotbwl Pmdub VAIFHA Cap NSr:
NET WIRE AMOUNT: fY/S,33k13 YOU MAY NOT DEPOSIT THE ENCLOSED CHECK M MAKE ANY
DISBURSEMENTS ON THIS LOAN UNTIL WA
Taut b:
Appraisal Fee S S 465.00 I 465.W Solidi8
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Th,Hotline number is available from]am to] .M.
Real Estatc Taxese.Fnsme ell rug art pad and cunent.
Hnaadlmuwa: v¢Y®'a Haan lnonaotx PsamWmf 122W Pnyablcm: IDWed
Flood lrtsum,ee: FnSyeefx Flood lmwmce Premium f 3]1.00 PaYalk lo:
WiMMainn,: Oce:Fent Yeafs WiM lmumncc Paswmo5 Payable lo:
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,W160600I pwias
Imo:awi70010
Ml O LOAN NO: 6026108910
Additional ltcaf eaab:
NFCU does not
h0 for ccuriernotmdocumentary or ny other osnt specifcally oetedin te
inawclimsthe[wbeoidmdasocechargemhdeMeTmdi-in-LndingAct
In seeeptleg our em[lesm ut instructions,you agree that you will Provide:
1. THE FOLLOWING RECORDED,ORIGINAL DOCUMENTS,WITH RECORDING RECEIPT
ATTACHED,TO BE FORWARDED UPON RECORDATION TQ Nary Fedirm/Cerdti(Inion,Aft.: Peal
Seafemens BraxA A O.One 3310.Akrrhdq PA 22119-3340.
Deed of Tmst/Mongage
Powerof Auomey.
2. THE FOLLOWING EXECUTED DOCUMENTS(ORIGINAL AND/OR CERTIFIED TRUE COPY)TO BE
FORWARDED withi.does working days aflurdisbursement in: 5550Ikrilaue Oaks Dr,Pahacola,FL 32526.
Ensure all dowmeas inclWN m thu pcks�<are cons lowly and Propuly ah3otsed and returned with the closed
ban package. Instruct the bmmwa and arbouowabormover(ifa pl sigphh at the top right hmrd some ifiml
applicationy 003). Pleasengreq have the bortowm and mbonower(if eppliabk)aign theNote in lobe ink if not
prohibited by recording requirements.
Chxk(s)for Escrowstmpounds or as otherwise toted in these it ametions.
Original Nob,with one certified[me copy.
Deed ofTrustlMoogage with Riders refvenoed above,are castdied true copy of nobirinati original.
Closing Disclosure(CD)executed by all parties with one certified true ropy.
Original signed Tice Birda/Canmism in,if not already provided.
Power ofAnomey,are certified true copy.
Tax and Imoranee lnfomutbn Sheet,FULLY COMPLETED.
Affidavit of identity,robrisod
Residenlul Loan Application
3. THE FOLLOWING DOCUMENTS TO RORROWER(S):
First Payment Explanation Letter.
Initial Escrow A.1 Di.Wme Slateo¢a.
.1.1 Verge lot( .1 W610010
MIC LOAN NO: MR6701910
4. THE FINAL TITLE INSURANCE POLICY MUST:
a. Ise forwarded within TEN BUSINESS DAYS ofthe disbursament/furdivg date to:
NAVY FEDERAL CREDIT UNION,POST SETTLEMENT BRANCH,P.O.BOX 3340,MERRIFIELD,
VIRGINIA 22119-3340.
b. be in the Amount of 5276,925.00.
c. insure the fall.1*four loan a a valid firat lien on the property,sharing them of recordation and insure,
withoutnosptian.
d, name the insured As: Convectional Lours:Navy Federal Credit Union,and/or its succes Ars and assigns.
e. include the raised creditors rights exclusion language as conmirud in the 2006 ALTA
loan thin ins 'policy.
f. use the ALTA 2006 or ALTA 2007 Short Form Residential Lam Policy(One-to-Four Family)or shag
equivalent in states where it is umva table.
S. THE FOLLOWING ENDORSEMFNTIS)MUST BE ATTACHED TO THE FINAL TITLE INSURANCE
POLICY:
FL 9-06 FOR RESTRICTIONS,EASEMENTS,BRL.,ALTA S.1
6. THE FOLLOWING SPECIAL ADDITIONAL REQUIREMENTS ARE AS FOLLOWS:
Nast Federal considers the consummation data an d.dee fire documents are Agreed by the borrower.
Navy Federal will deliver the Final Closing Disclosure(CD)to the borrower. Settlement Agent is responsible for
production and delivery of the sellers CD.
No CD should be released prior to author'neation by Navy Federal,
The Final CD delivered by Navy Federal mug be the CD signed at closing.
Consummation can occur no earlier than three business days after the borrower has acknowledged receipt of the CD.
Navy Federal will provide the full closing package and Final CD after verificative of borrowers receipt of CD.
All final figures(pages 2 and 3 ofthe CD)are to bs delivered to Navy Federal an latertun 10 days PRIOR m
consummation. The settlement agent will be responsible for maturing the accuracy ofall third Party figures. Any
changes,adjustments or grsu imcs need to be addressed with Navy Federal prior b consummation.
Send the Borrowers CD to Navy Federal via the Post-Back feature of RemoteDucs. Ensure the Borrower's CD is
sent separately and correctly labeled as the Closing Disclosure. The label Signed Closing Disclosure is to be selected
when the ratified CD is rant.
Navy Federal is committed to having the Borrowers Closing Disclosure completed and approved by At parties with a
goal of 10 business days prior m the settlement date.Navy Federal will deliver the Final Borrowme.Closing
Disclosure al hag 3 bmkuss days prior to settlenanf/consummelion.
Please provide Navy Federal with all seller/ma for figures on pages 2 and 3 of the Borrowers Closing Disclosure.
The settlement agent will be responsible for assuring the ancurncy of se0ef/reaftor figures on Pages 2 and 3 of the
Borrowers Closing Disclosure.Places collect all fees,invoices and neasmry documentation for third parry
providers.
Navy Federal will be responsible for delivery ofFmA Approved Borrowers Clodng Disclosure to our
membar(syborsowes(s).Pkau notify,Navy Fede al ofanydunger an the fees immedimely upon mesipt to emue
revisions to the Borrowers Closing Disclosure are completed in a timely maman
As time is of the essence fur all parties,it u requested that all revisions of the Borrowers Closing Disclosure be
reviewed and communicated with Navy Fedeel within two hours of receipt.
We will be requesting yourapproval of the Final Borrowers Closing Dialogue. Thu represents tlN point wean the
figura balance with yoo.the seftleanmt agent and ria additional changes to the Glaring Dialosum or settlement
statement will be made. Ifthere are any change;adjuments or questions,these need to be addressed to Navy
Federal immediately and prior to signing oompletian.
Closing documents art DATE SENSITIVE and CANNOT be signed before the time printed on the documents.
aas'Sm AOsehedesa
Thank you f« your assurance. Mother questions should aria yleeae vaff for alerifreation.
Sincerely,
Danielle Barody
Doclueso3 Nae3,srs 1—al: 206701910
Navy Federal Credit Union
Closing Instruction
Addendum Continuation
Loan approval letter must be signed by borrower(a).
Settlement agent/attorney to ensure that state and local conveyance
requirements are act.
If a survey 1s required to issue a lender's and/or owner's title insurance
policy, the charge for the survey should be placed in Lira 1101 and must be
further itemized if performed by s third party.
- RESPA FAO state. R Cation of the survey fee on the HUD-1 is to be
determined as follows...if a survey was required to issue a lender's or
owner's title insurance policy, the charge for the survey is part of the
charge in Line 1101 and amst be further itemiawd if performed by a third
party." (PRO 9, Page 45) or "If the borrower elected to obtain a survey that
was neither required by the leader nor required to issue a lender's or
owner's title insurance policy, than the charge is listed in the borrower's
colm"n in the 1300 series.• (FAQ 9, Page 45)
Ensure any assessments, liana and taxes are paid and current.
Navy Federal is exempt treat paying intangible tax. Please do not charge.
CoNplete the original loan amount am tax IDY on the first page of the DOT.
Esmil ALL of the following documenta to Danielle BarodyBnavyfederal.org or
securely upload to httpa://sdu.mvyfederal.org to receive the funding
authorization (Please send immediately after settlement or funding may be
delayed)
• Signed Borrower'. closing Disclosure (including all addeaduae)
• Signed Seller Closing Disclosure
• Signed Mortgage/Deed of Trust
• signed Note
• signed Mortgage Application _a/#
Please ensure 4506t (top half) has the buyer SSA, Name and Previous
Address, and the box above the signature line is checked
•If Refi: Signed Right to Rescind /r
•If VA: Signed VA 1802 and VA 1820 (Please be sure sects 28 and 29
on the bottom of page 2 are initialed or checked.) '�—
•If New Construction, all Wildar docs are required
-TAX ACRNOIILBWE!ffiNT LETTER
]. THE FINAL TITLE POLICY MOST : REFLECT THE CORRECT LOAN AMOUNT, WM
NUMBER, POLICY DATES AND MORTGAGEE CLAUSE AND BE SIGNED BY AN AUTHORIZED
OFFICER.
Reflect the name of the Borrower(s) exactly as it appears on the Deed of
Trust/Mortgage.
Del.te ALL EXCEPTIONS as shown in schedule B, Section 2 of the binder.
Delete from Title Work
Defects, Lien., EnClmDrancee, Adverse Claims
Rights, Claims of Parties in possession not shown by public record
Ea...t., or .hies of easements, not shown by public recorde
Lian, or right to a lien of services, labor, or material
Mechanic. Lie.
Discrepancies or conflicts in boundary lines in which an accurate survey
would disclose.
Taxes or special assessments that are not shown by public records.
Continued on page: 5
rs4ws
Lonza am9mrom
Navy Federal Credit Union
Closing Instruction
Addenda=Continuation
Continued from page: 4
Attorney to ensure that taxes, liens, charges and assessments that are due,
have been paid and are current.
The final title policy must not contain any survey exceptions.
Forward certified copies of the following recorded instruments after
closing:
Quitclaim Deed, Power of Attorney, 2nd Deed of Trust
Ensure all items of schedule B, Section 1 are satisfied and released of
record.
Ensure there hews been no violations of the BRts, restrictions, covenants,
agraamanta, deed or conditioro as shown in schedule B, section 2 of the
binder, and future violations will not result in forfeiture nor reversion of
title.
Make sure no other liens or judgments exist
If sending a Short Form final title policy, ensure Navy Federal is listed as
the Insured and the property address, Sncludinq City and State, appear on
the policy.
Please advise whether a survey or Survey affidavit will be required to
ensure the final Title Policy can be issued without survey exceptions,
rFsors
shwa masasso
Note
October 21,2016 Neptune Beach Florida
loxd [a71 ISmN
1201 GLADIOLA ST,Atlantic Beech,FL 32233
IPmaoy Addmal
1.Borrmwues Prounise to Pay.Is return for a ban that I have received,l promise m pay V.S.$276,925.00(this
amount o celled"Principal),plus iaves'st to the order mfthe Leader.The Leder is Navy Federal Chadd Union.I will
make all payments under this Note in the Them of wsh,check m money,order.
1 understand that the Lender may transfer this Now.The Lender or anyone who takes this Note by transfer and who is
entitled to receive payments under this Now is olid the "Nose Holder".
2.Interest Interest will be charged on unpaid principal unfit the full amount of Principal has been paid.l will pay
interest at a yearly rah of4.875%.
The intec u one sequined by this Swims 2 is the Me I will pry both before and after any dufauh dem*W in Section 6(B)
of this Now.
3.Payments.
(A)Tim and Place of PaYrnerts.l will pay principal and interest by making a payment every month.
1 will make my monthly payment on the Ist day ofeach month beginning on December 1,2016.f will make these
Payments every month ontil 1 have paid all ofthe principal and interest and any other charges described below that I
may owe anular this Now.FJha monthly payment will be applied as of in whol led due date and will be applied to
interest before Principal,If,on November 1,2046,1 still owe sons ab older this Not,I will Pay those amounts b full
uta that date,which is celled the "Marariry Dmd'.
1 will make my monthly payments M 820 Pullin Lax,Vienna,VA 22180 ore[a diffemat place if requited by the New
Holder.
(B)Amount of Monthly Payments.My monthly payment wdl b,in the amount of U.S.$1,465.51.
4.Borrower's Right to Prepay.
I have the right to make Payments of Principal many time before they son due.A payment of Principal only is known se a
"Prepayment".When I make a Prepayment,I will MI the Now Holder in writing that I am doing se.I may no designate a
payment-a Prepayment if I have nm made all the monthly payloads due older the Nob.
I any make s full Prepayment of Penial Prepayments without paying a Prepayment Charge,The New Holder will owe
my Prepayments m induce the amount of Principal that I owe underthis Nae.However,the NOW Holder may apply my
Prepayment to the wormed and unpaid interest on use Prepayment ancient before applying my Prepayment m reduce the
Principal comms of the Nob.Ifl make a partial Prepayment,there will be out clmsgra in the due due or in the amount of
my mombly payment unless the New Holder agras in writing to those clboges,
S. Loan Charges.He taw,which applies to this loan and which sets maximum loan charges,is finally interpreted ur
that the interest or other loan charges collected or to W cullected in connection with this ban exceed the permitul limits,
the..(a)any such loan charge shall be reduced by the ammuat necessary to reduce the charge to the permitted limit and
(b)any sans already c.IWcwd from we which exceeded pwenitd limits will be tefimdd to me.The Now Holder may
choose to make this refund by reducing the Principal l owe wider this Noe m by making a direct payment to M.Ifa
refund reduces,Principal,the reduction will be canted as a penial Prepayment
6.gallowses Failure to Pay as Regtdmd.
uwamv
wm.a�...a,os..o. mn�aeiar»Q�.�m��s �ero.,ai
(A)Late Charges for Overdue Payments.If the Note Holder has not received the full amount of any monthly
Payment by the end of fif awn aleadar days after the dare it is due,I will pay a lore charge to the Note Holder.The
amount of the charge will be 4.0010%of my overdue payment of principal and interest
I will pay this late charge promptly but only once on each late payment.
(B)DeNUIL If I do riot pay the full amount of each monthly payment on the data it is due,I will be in default
(C)Notice of Default If I An in default,the Note Folder may sad me a written notice telling we that if I do nes pay
the overdue amount by a certain date,the Note Holder may require me to pay immediately the full Amount of Principal
which has not been paid awl all the imment thin I owe m that amoed.That dam must be A least 30 days after the dam
one which the mice is mailed to me or delivered by other means.
(D)No Waiver By Note Holden Even if,at a time when I An in default,the Nom told.data not require me to
pay immedately in full an described above,the New Holder will still have the right to do so if Am in default at a lar.
tine
(E)Payment of Nota Holde's Costs and Expenses.If the Note Holder has required me to pay immediately
in full ae described above,the Now Holder will have the right to be paid back by me for all of its cents and expenses
in mfoming this NOW to the exam not prohibi4d by applicable law.Those expenses include,for example,reasomble
Atomeys fees.
7.Giving of Notices.Unless applicable mw requires a different method,any notice that most be given no me under ibis
Nona will be given by delivering it Or by mailing it by first class mail to me at the Property Address above on,at a different
address if I give it.Note Holder a mace ofmy different Address,
Any notice that noun be given to the New Holder under this Nom will be given by delivering it or by mailing it by fiat
CIM mail to the New Holder a the address stated in Salon 3(A)Above or at a diffemat address if I Am given A notice of
thatdlfmrentaddown.
8.Obligations of Persons Under This Nobe.If more than one person signs this Note,each person is fully And
personally obligated no keep all of the promises made in this NdS including the promise to pay the full amount owed.
Any person who is a gusrmtor,may m.dorsa of this None's also obligated to do these things.Any person who
takes mer these Oblignimq including the obliypdpm Of a gm .seely.end.of this Not,in she obligated to
keep All of the promises made in this NOW.The Now Holder may enforce its rights under this Now Against each pm.
individually or against all of as together.This owners that ary one of us may be required to pay all of the announo owed
under this Nom.
8.Waivers.l and Any other person who has obligations under this Now waive the rights of Presentment and Notice of
Dishonor. "Presenrmear"means the right to require the Note Holder to dement payment of Amounts due. "Notice of
Dishonor"renews,the right to Move the Now Holder to give notice an other persons that amounts due have not been paid.
10.UMforen Secured Nome.This New is a uniform oahmrent with Issued vAiariws in somejurisdicton,in addition
to the Protections given o the Note Holder under this Note,a Mortgage,Deed of Town,Our Security Deed(the"Secarny
Imatmenr"),dated the were data as this Not,protects the Now Holder from possible losses that might react if I do not
keep the promises which I make in this Note.That Security f wrAw m describes bow and under what conditions 1 may be
required to make immediate payment in fug of all norms I owe under this New.Some of them candidates are described
es follows:
If all or my pan of Me Properly or any Interest in the Property is sold or herniated(or if Borrower is not a annual
persons sed a benefcL)inset in Bemuses,is mrd.oand'ered)without Leader's prior written comms.Leader may
require immediate Payment in full of all sena sero el by this Snowily Instmnent Hove er,this option shall not be
exercised by Lender if such exercise is prohibited by Applicable Law.
If Leder exercises Ibis option,Lader shall give Borrower notice of acceleration.Ile notice shell provide a period of
Out was than 30 days fon the date the notice it given in accordance with Section 15 within which Borrower mutt pay
all rams secured by this Security Instrument IfBunower fails to pay thaw tens poor to the expiration of this period,
Lender may invoke my remedies permitted by this Security lnshummt without further nofia or demand on Borrower.
11.Documentary Tax.The stew datumenmry mat due on this Note has been paid on the mortgage,seaming roe
indebtedness.
uAA..�r.y...war.,..e.vwow.ssa.a,.r
w.. mnw.w.am�,m�smn �w..sa.
WITNESS THE HAND(S)AND SEALS)OF THE UNDERSIGNED.
Borfywer f i a
,-H—K—c�v-l pA MBaiSeroa,FifoMARX of Atlorneyin-
—T en/
EfR4NON '
[Sign Oiigi.)Only)
Low Origination Otgwization:Navy Federal Credit Low Original«:Tun Ing
Union
NMLS R}.62822
NMLS ID:399807
.�ew..wrz�amaaysr..a+....w.k�.raa.w�vr c nro��oi
ROW1n T0:Navy Federal Credit Union
P.O.Box 3340
Manifielil,VA 22119
This DocurnentWas Prepared By:
Danielle Broody
5550 Heritage Oats Dr
Pensacola,FL 32526
Mortgage
DeflnlBons.Words used in muniple segbns ofthls document are defined below and other words are
defined in Sections 3,I1,13,19,20 and 21.Cumin mlu rtgerding the usage of words used in this
document are also provided in Section 16.
(A) "Security bmwmem"mems this document,whirA is dated October 21,2016,together with all
Riders to this deterrent single Pezeon
a
(B) "Borrowu"is MARK F YARANON.Borrower is the mortgagor under this Security
Anstrument
(C) "Lender"is Navy Federal Credit Union.Lender is a corporation organized and existing under
the laws of United States of America.Undoes address is 820 Follin lane,Vision.VA 22180.
Lender is the mortgagor under this Security Instrument
(D) "Note"mons the promissory mm signed by Borrower and dated O.I bet 21,2016,The Now
states that Borrower owes Lender two hundred seventy six thousand nine hundred twenty-five and
001100 D.H.(U.S.5276,925.00)plus interest.Be...,has promised to pay this debt in regular
Periodic payments,-it to pay the debt in hill mi atter than November 1,2046.
(E)"Property"means the property that isdescribed below under the heading"Transfer of Rights
in the Property."
(p) "Loa"means the debt evidenced by dee Now,plus interest any prepayment obarges and late
charges due under the Note,and all sums due under ibis Security Insmmem,plus inmrc e
Thin imtrrment is being executed russeent to Power of Attorney £roe
Rank F. yersnen to Mccbell Z. Masters, dated Septet 23, 2016 affi
being recorded slsrltaveoosly herewith.
(G) "Riders"means all Riders to this Security Instrument that am executed by Borrower.The
following Riders ere as he i tacured by Bmrawer[eherk box u applicable]:
O Adjustable Rote Rider ❑ Cordommi er Rider ❑ Second Home Rider
❑ Bell on Rider ❑ Planned Unit Development Rida ❑ 14 Family Rider
❑ VA Rid. ❑ Biweekly Payment Rider ❑ Otha(s)[specify]
(H) "AWJcabla Lad'mean all controlling applicable federal,due ter lord stares,regulations,
ordinances and adminishalive tales and orders(Net have the effect of law)as well as all applicable
final,nonappulabkjudicial opinioru.
an "then charges
ttoc(mbn Dred Feu,ardAsysrmePropmenu ell elms,feeiu uasssnwnts
end other chugu that are imposed mi Borrows a the Property by a condominium association.
homeowners assacktion or similar otgan®tion.
(J) "FJectr.rk Fudr Trmasf."means my trarefn,offuada unfair Nen a commitment originated
by check,draft,or similar paper instrument,which is mitiamd through an electronic ironical,
teleph.m.manometer,computer,or magnetic tape so as to order,instruct,or authorGc a financial
institution to debit or credit an accused Such term includes,but is nal limited on,point-of-sale
masfers,automated miler machine trensaatiom,treaders initiated by telephone,wire transfers,ar
automated clearinghouse tansfe s.
(K) "£&crow firms"menu Nose items Nat are described in Section J.
ry) rem,paid
bymPmudpart menu don
gcetlbnmt,awedhe emragea
proceeds paid by any third parry(odea Nan insurance proceeds paid under the covmges citing o
al Section 6)for.(i)damage m,mdonveyanc in the Property,(ii)condemnation orother takingof
all or soy spad sims me property,ndii s anwnveydnm bz Graz Property on;a(iv)misrepresentations
of,w mnissiou u a,the value ar/or condition of the Properly.
(M"Mortgage lesuooce"muna insmaaco protecting Leader against she nonpayment of,or
default is,the Loco.
(N) "Periodk Paynrmi"menu the regularly sc iulukd ramadu fes(D prempal and imams
under the Nom,plus(ii)any amounts under Section J of Nis Security Instrument.
(0)"RMPA"means the Real Estate Settlement Procedure Act(12 U.S.C.Section 2601 as
seq.)and its Implementing regulation,Regulation X(12 CFR Put 1024),u day,might be
amended from time to time,or any additional or successor legislation or regulation that governs
the same subject matter As used in this Security Inseumenr,RESPA refers m all requirements and
mshiction,that ata imposed to regard in e"federally related mortgage loan'even if the[ran does
not qualify in e"federally related mortgage man"under RESPA.
(P) "Successor in Interest of Borrower"means any party that has tame title to the Property,
whether or not Nat parry has assumed Borrower's obligations under the Nom and/or this Security
Instrument
Transfer of Rights in the Property.This Security inumment serum to le ilm(i)the repayment
of the Loan and all renewals,extensions and modifications of the Nom;and(ii)the perfamrance of
Borrower's intendants and agreements under that Security Instrument and the Note.For this purpose,
Borrower dame hereby mortgage,grant end convey to Lender,the following described pesp.ty,located
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in the County,[fypeofReconding Jurkadicda]of Duval[Nave of Recording Jurisdiction]:SEE
LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF.
Puce)ID Namber: 171027-0000 which cumandy has rise address
of 1201 GLADIOLA ST[Suint]Adwaic Beach[Cay],Florida 32233[Zip Code]("Propery
Addmas"):
METHER WITH all rise improvements now or hereafter erected on the property,and all easements,
APPUMMa11e01,and fames now or hereafter a pan ofthe Property.All replacements and additions
shall also be covered by this Security Immanent.All ofthe foregoing is refined w in this Security
Instrument As the -Prayers,"
BORROWER COVENANTS that Borrower is lawfully missal of tie emte hereby conveyed and has
the right to mortgage,grant and convey de Property and that the Property is unencumbered,except for
encumbrances ofmcmd.Borrower warrants and will defend generally the tide to the Property against
All claims and deuandr,subject to any mcamlarm.of record.
THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-unifom
cove news,with limited variations by jurisdiction o commune a uniform security instrument covering
real Property -.
Uniform Covanenh.73mrower and Leodw ooveaant and Agra,as follows:
t.Payment of Principal,Interest,Escrow Rams,Prepayment Charges,and Late
Charges.Bomwer shall pay when due the pnaripal of,And interest on,the debt evidenced by the
Note and any prepayment charges aad late charges due under the Note.Borrower shall also pay funds
for Escrow Items pursuant no Section 3.Payments da under the Note and this Security Iatrumea
shall be made in U.S.mmncy.However,if any check or ather instrument received by Lender As
payment under the Now or Nis Security Instrument is rammed to Larder unpaid,lender may require
that Any or all subsequent payments due msd8 the New and Nis Security Innmmem be rade in oro
or mine of"following forms,as selected by Leader.(a)emh;(b)monry order,(c)certified check,
bank cheek ummurefs check or welders check,provided any such check is drawn upon an institution
whose deposits are insured by a fedand agency,insamemelity,or entity,or(d)Elecounic Funds
Transfer.
Payments are damned received by Lender when moeived at the location designated in the Now or
at such other locatia as may be designated by Lender in accordance with the notice provisions in
Section IS.lender may mous,any payment or partial payment if the payment or partial payments are
insufRcimt to bong the Loan emrent lendermay accept any payment or partial payment Insuffeiant
to bring the Laren current,without waiver ofany rights hereunder or prejudice to its rights to refuse
such Pap ssat or penial payment,in the furore,but Lender Is nmaWigmal to apply such payvnm s at
the time such payments are accepted.Ifeach Periodic Payment is applied As of its scheduled due date,
than Lender need mat pay internal on unapplied funds.Lander may hold such unapplied funds until
Burrower makes payment o bring the Loan current IfBonower does not do so within a reasonable
period of Time.Iemkrshali its.apply such funds or mean them to Borrower.if ren.,had earlier,
such fulls will be applied te the outstanding principal balance miler the New immediately prior
to foreclosure.No offset or claim which Borrower might have now or in the future against Lender
shall relieve Borrower from making payments due ander the Now and this Security Instrument or
perfuming the covenants and agreements secured by this Security Instrument.
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2.Application of Payments or Proceeds.Except as otherwise described in this Section 2,
all payments accepted and applied by Leader shall be applied in the following order ofpriority:
(a)moment due under the Note;(b)principal due under the Now;(e)smpm ,due under Section 3.
Such payments shell be applied m each Periodic Payment in the order in which it berme due.Any
remaining amounts shall be applied first Yee charges,second to my other amounts due under this
Security Instrument,and than to reduce the principal balance of the Note.
If Lender mceiva a payment from Bormwartor a delinquent periodic Payment which includes a
sufficient amount 10 pay any lam charge due,the payment may be applied to the delinquent payment
and the low el mile.If mom than one Periodic Payment's outstanding,Lender may apply any payment
received from Bmower to the repayment of the Periodic Payments if,and to the extent dua,each
payment can be paid in Nil.To the court that any ascus casts at=the payment's applied to the
full payment ofone or nae Parodic Paymema such ascus may be applied to my,lam charges due.
Voluntary prepayments shall be applied first to my prepayment charges sad than as detached in the
Nate.
Any application ofpayments,insurance proceeds,or Miscellanmus Proceeds to principal due under
the Now shall not extend or postpone the due dam,or change the amount,of the Periodic Payments.
3.Funds For 6Qosr Rants.Bamwa shall pay,to leader can the day Pe^odic Payments ere
due md=the Note,until it.Now is paid m full,a sum(the"Fmdr')to provide for payment of
amounts due fm:(a)noes and assessments and other items which can main priority ova this Security
Instalment ns a lien or encumbrance on the Property;(b)leasehold payments or ground rents on
the Property,ifany;(c)premiums for any and all)mvrmtce required by Leader under Section 5;
and(d)Mortgage Imurame premiums,irony,or any sums payable by Borrower to Lender in lieu
ofthe payment ofMorrgage luumom pmmitms in mormlence with the provisions of Section ID.
These items are called"Escrow prsmr."At origination or at soy time during the term of the Lomt,
Lender may wire Mat Community Association Dues,Fees,and Assmsmevts,ifany,be escrowed
by Bmmw=,and such dues,fees and essemnmts shell be an Escrow item.Bocowm shall promptly
furnish to Lender all na)ees of amounts to be paid under this Section.Borrower shall pay Lender the
Funds fur Esemw Items.ears Lender waives Borrowers obligation to pay the Funds for my or all
Escrow Race Leader nay waive Borrower's obligation to pay to Lauder Funds for my or all Eacmw
Items at my time.Any such waiver may only be in writing.In the event ofmch waiver,Bo mwer
shall pay directly,when and where payable,the amounts due for my Escrow loans for which
payment of Funds has been waived by Lad=and,if Lender requires,shall furnish to Lader mceipts
evidencing such payment within such time period m Loader may retinue.Borrower's obligeri s m
make men payments and b provide receipts shall for all purposes be devoted to be a covenant and
agmement command in this Security Instrumenq as the phrase "covenant and ugmem ul"is used in
Section 9.If Borrower is obligated m pay Escrow Items directly,pursuant to e waiver,and Borrower
fails to pay the amount due for an Escrow Item,Lade may exercise its rights under Section 9 and
pay such amount and Borrower shall than be obligated under Section 9 to repay to Lender my such
amount.Lender may invoke the waiver m to my or all luanow Items at my time by a notice given in
secemdanm with Section 15 and,upon men revowion,Borrow.shell pay le Leader all Farms,and in
suds smoman,fin eco then contained trader this Secooa 3.
Lender may,at my time,collect and hold Foods in an amount(a)sufficient to permit Lender to apply
the Funds at the time specified undo RESPA,ted(b)eat m exceed the maxlamm amount a lend=
can require under RESPA.Leader shall estimate the amount of Funds due on the basis ofeurrem dam
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and reasonable csdms ofexpendiares of fetus Escrow Items or olhetwiss in accordance with
Applicable Law.
The Funds&ball be held in an halation whose deposits an,insured by a federal agency,
inatw lity,a entity(incad'mg Lender,if Leder is an iamation whose deposits are as insured)
or in my Federal Home Loan Bank.Lender shall apply the Funds to pay the Escrow Items no late
than the time specified under RESPA.Lender shall not charge Borrow.for holding and applying the
Funds,annually analysdng the escrow Kenum,or verifying the Escrow Items,unless Lender pays
Borrower interest on the Funds and Applicable Law permits Lander to make such a charge.Unless an
agreement is made in writing or Applicable law requires interest to be paid on the Funds,Lender shall
not be required a pay Borrower any interest or earnings on the Funds.Borrower and Lender can agree
in writing,however,nm kxmest shell be paid on the Foods.lander shill give as Borrower,without
charge,an moral saw Ming oftle Food.as requirM by RESPA.
Ifthere is a surplus of Funds held in escrow,as defined under RESPA,Lender shall account to
Harrower for the excess funds in acnordnmce with RESPA.If there is a shortage of Foods held in
escrow,as dafred under RESPA,Lender shall andify Borrower as required by RESPA,and Borrower
shall pay to Lender the mount necessary to make up the shortage in accordance with RESPA,but
in an more than 12 monthly payments.Ifthere is a deficiency of Funds held in escrow,as defined
under RESPA,Leader shall wtify Bormwer as requited by RESPA,and Bmmwer shall pay as Lender
the amount monastery to make up the deficiency in accordance with RESPA but in no come than 12
monthly payments.
Upon payment u full-fall sums severed by thea Security Instrument,Lander shell promptly refund a
Borrower my Funds held by Leader.
4.Charges;Llens.Borrower shall pay all ones,assessments,charges,fines,and impositions
attributable to the Property which can Main priority over this Security hummment,leasehold payments
Or ground marts w the Pmpeny,ifany,and Community Association Dues,Fees,and Assessments,if
any.To the eatmt that Mee dem.ere Escrow hems,Borrows shall pay them in the..or prcvidrd
in Section 3.
Borrow&shell promptly discharge say lien which loss priority aver this Security aamummt unless
Borrower:(a)agrees in writing to the payment ofthe obligation secured by the lien in a mamoer
acceptable a Lumber,but only m long as Borrower is performing such agreement:(b)cwtesla the lien
in gaud led,by,or defw&against enforcement ofthe lien in,legal proceedings which in Lender's
opinion opens as prevent the enforcement of the lien while those proceedings me pending,has
only until suds proceedings me concluded;or(c)scores from the holder ofthe lien m agreement
satisfactory to Lender subordinating the lim to this Security Instrument.If Lender determines that my
panofthe Property is subject to a lien which cam attain priority over this Security lrmm me Leader
may give Borowera Maine identifying the lien.Within 10 days of the dao on which tlat notice is
given,Borrower shall satisfy the lien or oke one or mom ofthe actions rot forth above in this Section
4.
Lender may roquim Borrower o pay a one-fime Burge fm a real acute tom verification and/or
reporting service used by Lender in connection with this Lean.
G Property Insurance.Borrower shall kap the improvements now existing or hereafter erected
on the Property insured against loss by fine,haaards included withal rte tam"extended coverage,"
and any other hexads including,but not limited as,earthquakes and Floods,for which Lender requires
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insurance.This inamence shall be maintained in the amounts(including deductible levels)and for
the periods that lender requires.what Lender requires pursuant to the preceding sentences can
change during the term of the Loss.The insurance carrier providing the insurance shall be chosen by
Borrower subject to Larders right m disapprove Bwmwtes choke,which right shall not be command
unreasonably Linder may require Bemower to pay,in connection with this Loan,althea(a)a ono-
time charge for flood gone determination,cmtifiestion and tracking commas;or(b)a ane-time charge
for flood m are daamiiauiou and cuff&anion services and subsequent charges each time rwnappings
or similar changes ocew which reasonably might affect each determination or certification.Borrower
shall also be responsible for the payment of soy fan imposed by the Federal Emergency Management
Agency in connection with the review of arty flood sure determination reaching from an objection by
Borrower.
If Burrower fails m maintain any of the coverage dumbed above,fader may obtain insurance
coverage,at Lenders option and Burrowers expense.lender is under ne obligation m purchase any
particular type or amount of coverage.Therefore,such coverage shall cover Lender.but might or
might sant protect Borrower,Borrowers equity in the Property,or the contents of the Property,against
any risk,hazard or liability and might provide greater or Inner coverage the.wen previously in effect.
Borrower acknowledges But the cast of the assurance coverage so obtainod might significantly exceed
the cog of insurance that Borrower could have obtained.Any grounds disbursed by Lender under
this Section S shall bawme additional debt ofBormwer seemed by this Secuity Instrument Them,
amount shall beer human at the Note site from the dart of disbursement and shall be payable,with
such intemst,upon notice from leader m Borrower requesting payment.
All insurance policies required by Lender and reuwals of such policies shall be subject to Lenders
right to disapprove such policies,shall include a standard mortgage clause,and"I name Lender
as mortgagee and/or as an additional loss payee.Lender shall have the right to hold the policies and
reuwal certificates.if Lander rm uims,Borrower shall promptly give to lender all receipts of paid
prtmimen and renewal notion.If Borrower chosen any form of inmevice coverage,sKK otherwise
required by Lender,for damage m,or destruction of,the Property,such policy shell include a standard
mortgage clause and shall came Lender as mortgage and/or as an additional loss payer.
In the event of loss,Borrower shall give prompt notice m the insurance wrier and Lender.lender
may make proof of Ion if act made prompdyeby Be..Unless Linda end Borrower otherwise
agree in writing,any insurance proceeds,whether or not Ne underlying insurance was required
by Lender,-bell be applied m recreation or rept of the Property,if the resonation or repair is
emtamlAMY(amble and Lendefs secur'sty,caret lucrned.During such repair and maturation period,
Lader shall have the tight an hold such enormous proceed until Lender has had an opportunity to
inspect such Property m ensure the work has haw oxnpleted to Lenders satisfaction,provided that
such inspection shall be undertaken promptly.Lender may disburse proceeds far the repairs and
mstomtion in a single payment or in a series of progress payments as the work is completed.Unless
an agreement is made in writing or Applicable Law requires interest to be paid on such insurance
proceeds,Lender shall not be required m pay Borrower any manna or earnings on such proceeds.Fas
for public adjuster;or other third pantie;retained by Borrower shall not be paid out of the insurance
pmoeals and shall be the sok obligation of Borrower.If the restoration or repair is not economituay
feasible or Lenders security would be lessened,the insurance proceeds shall be applied to the some
secured by this Security Instrument,whether or net than due,with the cause,if any,paid to Borrower
Such insurance proceeds bell be applied in the order provided fon m Section i.
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If Barrower abandons the Prmperty,Leader may file,negotmk and sede any available iru cram,
claim and related metxrs.If Borrower does not respond within 30 days to a notce from Lender that
the insurance artier has offered*settle a claim,than Lender may mgatiens and settle the claim.
Use 30-day period will begin when the ratio is given.In either went,or if Lmtla"re,the
Property hada Section 22 err otherwise,Borrower hereby assigns to Leader(a)Borrowers rights to
any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security
Instrument,and(b)any other of Borrower's rights(other shah the right many refund ofumarned
premiums paid by Burrower)under all insurance policies covering the Property,insofar as such rights
ere applicable to the coverage of the Property.Lauda may use the insurance proceeds eider to repair
or restore the Property or to pay amounts unpaid underthe Nae or this Security Instrument,whether
or mol then due.
G Occupancy.Bu m ser shall occupy,establish,soul use the Property es Bmrewwera principal
residence within 60 days after the execution of this Security Instrument and shall contnhe to occupy
the Property as Batrewees principal rafdmm for at low oro year after the data afoucupancy,unless
Linder otherwise agrees in writing,which consent shall act be unreasonably withheld,or unless
extenuating circumstances exist which ere beyond Borrowers canWl.
7.Presarvatlon,Maintenance and Protection of the Property;Inspections Borrower
shall not destroy.damage er impair the Property,allow the Property m dercrwreh mcommit wants
on the Property.Wbedw or was Bormwer is residing in the Property,Burrower,shall maintain the
Property in order to prevent the Property from deteriorating or decreasing in value due to its condition.
Unless it is dreemnined pursuant m Section 5 that repair or restoration is not economically feasible,
Borrower shall promptly repair the Property ifdemaged m avoid further deterkentiom or damage.
If imurance or carMemnation proceeds are paid in connection wah damage to,or the taking of,tea
Property,Borrower shall be responsible for repairing or restoring the Property only if Lender has
released proceeds for such purposes.Lender nay disburse proceeds far the repairs and restoration
in a single payment err in a uritis of pmgrem peymmts u tae work n oompkled.lfthe Inmmrce or
condemnation proceeds ere nes sufficient to repair or restore the Property.Borrower is out relieved of
Borrowers obligation for the completion of such repair or restoration.
Lender or in agent may make reasonable moies upon and inspections ofthe Property.if it bas
reasonable came,Lender may mapea the interior of it.hnprovemants on the Property,Lender she l
give Borrower nota al the time ofor prior to such an interior inspection specifying such reasonable
cause.
8.Balrowees Loan Application.BmowaslWl be in default if,during the Loan application
process,Borrower or any persons w mtita acting at the direction of Borrower or with Borrowers
knowledge or consent gave materially false,misleading,or inaccurate information or statements to
Lader(m failed to provide Lender with material infarmaum)in connection with the Loan.Material
rtpresmmtiwa include,but ere not limited m,mprammtions eonmming Borrowers ocmp.y of me
Property as Borrowers principal residence.
8.Protection of Landers Interest in the Property and Rights Under this Security
Instrument It(a)Bnmwer fails to perform the covmmn and succo enu contained in this Security
hutmment,(b)Owns is a legal proceeding that might significantly effect finders interest in the
Property erd/or rights under thin Security Instrument(such as a proceeding in bankruptcy,probste,
for condemnation or torktmrs,for mtomrment of a lim which may attain priority over this Security
Instrument w to enforce laws or regulations),or(c)Borrower bas abandoned the PmpenN tan
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we.
Leader may do and pay for whatever is reamrnbk on appropriate to protect Leaders impm in the
Prrp"ty and rights under this Security lostmmmt including protecting andtor assessing the value
ofthe Property,and securing and/or repairing the Property.Lender's actions can include,but are not
limited m:(a)Paying any sums scoured by a Ilan which has priority over this Security lo9mmunt;(b)
appearing in court;and(c)paying resumbte atlomeye fees to protect its interest m the Property and/
or rights under this Security Instrument including its secured position in a bankruptcy proceeding.
Securing the Property icowks,but is not limited W mining the Property m make repairs,change
locks,replace or board up doors and windows,drain water horn pipe,eliminate building or other
code violations or dangerous condition&and have wilhics tamed m or aft.Although Lend"may take
action under this Section 9,Lender dues not have to do so and is not under any duty or obligation to
do so.It is agreed that Lender incurs no liability for not taking soy or all actions aumoriam under this
Section 9,
Any Marina disbursed by Lender under this Section 9 shall become additional debt offlortower
located by this Security Immanent.7Lese amounts shall bear interest at the Note ram from the date of
disbursement and shall be payable,with such import upee active from Lader in Boaowe,mquesting
payment.
If this Security Instrument is on a leasehold,B"tnwer shall comply with all the provisions ofthe
ksse.IFBonrman acquires fee title to the Property,the leawhoW and the foe title shall rot merge
unless Lender agrees in the merger m writing:
10.Mortgage Insurance.If Lender required Mortgage Insurance as a condition of making the
Loan,Borrower shall pay the premiums required to maintain Pot Mortgage Inanmet in effect.If,
for MY Memo ,me Mortgage Insurance coverage required by Leadescuses to be available from
da mortgage insurer that previaaly provided much insurance and Borrower was required to make
separately designated payment toward the premiums for Mortgage Insurance,Borrower shall pay the
Premiums required in obtain cuveragesubstantially equivalent to the Mortgage Insurance previously in
effect at a cos substantially equivalent m the cost on Boaower of the Mpngage Insurance previously
in effect from an altemmc mortgage insurer selected by Lender.Ifsubscatially equivalent Mortgage
Insurance coverage is not available,Borrower shall continue to pay in Leader the mount of the
separately designated pastimes that were due when the insunmrce coverage eased to be in effect.
Lender will accept naw and retain Mea paysims as a marefumlable loss reserve in Bw ofMongage
Insurance.Such tun reserve shall be non-refundable,notwithstanding the fact that the Loan is
ultimately paid in full,end Lender shall not be required W pay Borrower any interest or earnings on
such lass reserve.Leader can no longer require loss reserve payments if Mortgage Insurance coverage
(in the amount and for the period that Imdur requires)provided by an insurer selected by Lender
again becomes available,is obtained,and Lender requires separately designated payments toward the
Premium for Mortgage Insurance.IfLenderiequined Mortgage Insurance as a condition of making
the Wen and Borrower was required ta make separately des(galed peymmts toward the premiums
for Mortgage Inmre me,Brower shall pay the premiuns required to inhuman Mortgage Insurance in
effect or in provide a non-remndable loss reserve,until Lenders requirement for Mortgage Insurance
ends in accordance with any written agreement between domwer and Lead.providing for such
nomination"until termination is required by Applicable Law.Nothing in this Section 10 affects
Borrower's obligation to gay interest 9 the rete provided in the Note.
Mortgage Insurance rehnburses Lender(or my entity that purchases the Note)for certain losses it
may incur iffmo ower does net repay the Luo as agreed.th m mer is not a party m the Mortgage
Insurance.
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Mortgage insurers evahute their roml risk on ell such dlsum ee in tune from time to time,and
may enter into agreements with other parties that sham or modify their risk,or reduce losses.These
agreements ms on tees and conditions that am satisfactory to the mortgage boom and the other
party(or partes)an them agreements.These agreements may require the mortgage insure an make
payments ming my source of funds that the mortgage insure may have available(which may include
funds obtained from Mortgage Insurance premiums).
As a result of these agreements,Lender,my purchaser ofthe Note,summer faun,any minsomr,any
other entity,or any affiliate of any of the foregoing,may receive(directly or indrudy)amounts that
derive from(or might be contacted zed a)a portion of Bomowees payments for Mortgage Insurance,
in exchange for sharing or muddying the mortgage insurers risk or reducing loses Ifsm1b agement
provides that m affiliate ofLeMm miss a mase of the immars risk in exchange for a share of the
premiums paid m the insure,the armngement is often termed"captive mince..'Funder.
(A)Any such agreement,will not affect the amounts that Bomenwer has agreed to pay for
Mortgage Imaraoce,or eery allnu mrmm of the Lose.Such agreement winuatincrease the
amount Borrower win owe for Mortgage Insurance,and they will not entitle Borrower to any
refund.
(B)Any such agreements will out affect the rights Borrower has-if any-with respect to the
Mortgage Insurance under the Homeowners Protection Act of IM or any other law.These
rights may include the right to reserve certain ductomres,to regaest and obtain cancellation of
the Mortgage Insurmcc,to have the Mortgage Insurance terminated aatamatially,andlar to
revive a refund of any Mortgage Insurance Premiums that were usearaed at the Nuc"such
cancellation or termination.
N.Assignment of Miscellaneous Proceeds;Forfeiture.All Miscellaneous Proceeds are
hereby assigned to and shall be paid to Lander,
Ifthe Property is damaged,such Miscelln"Prenaris shall be applied on maturation or repair of
the Property,ifthe maturation or repair is ecormmially feasible and Lenders security is not lessened.
During such repair and restoration period,Lender shall have the right to hold such Miscellaneous
Proceeds until Lader has had an opportunity m impea such Property to mum the work has been
competed to leaders satisfnctum,provided that such inspection shall be undertaken promptly.Lender
may pay for the repahs and maturation in a single disbursement or in a series of progress payments as
the work is completed.Unless an agreement is made in writing or Applicable Law require interest to
In,paid on such Miscellamom Proceeds,Leader shell not be required to pay Bmrower tory latest or
earrings on such Miscelinmurs Proceeds.Ifthe restoration or repair a not ecommkslly fearible or
Lenders security would be lessened,the Miscellaneous Proceeds shall be applied to the suns secured
by this Security Instrument,whether or not then due,with the execs,ifang paid to Borroaar.Such
Miscellaneous Proceeds shall be applied in the order provided for in Sutton 1
In the event ofa trial taking,destruction,or loss in value of the Property,the Mimailanum Proceeds
shall be applied an the sums secured by this Security Instrument,whether or not than due,with the
exits,if my,paid to Borrower.
In the event ofa partial taking destruction,or less in value ofthe Property in which the mh market
value of the Property immediately before the partial taking,destruction,or loss in value is equal to
or grazer then the amount of the sums saured by this Security Instrument immediately before dse
partial taking,datructim,or les M vahu,alas Burrower and Lender otherwise agree in writing,
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the suras secured by this Security estrament shall be reduced by the amount ofthe Miscellaneous
Proceeds multiplied by the following fmcuon:(a)the total amount of the sums secured immediately
before the partial Liking,destruction,or lose in value divided by(b)the fait market value ofthe
Property immediately before the partial Liking,destruction,or los in value.Any balance shall be paid
I.Borrower.
In the"am of a partial taking,desauotion,or loss in value ofthe Property in which the fair market
valve of the Property immediately licicim the partial taking,destruction,or toss in value is less than the
amount ofthe surto secured immediately before the partial taking dutrw:tion,or loss in value,radius
Borrower and Lender otherwise agree N writing,the Miscellaneous Proceeds shall be applied to the
sums secured by this Security Instrument whether ne not the sums em Men due.
If the Property is abandoned by Borrow;or if,after notice by Lender to Bormeres that the Opposing
Party(us defend in the nett sentence)Off=to make an awed to settle a claim for damages,Borrower
fails M respond to lender within 30 days after the date the notice is given,Lender is authorized to
collect ad apply the Misoellenua Promote either to msromtioo or repair of the Property or on die
sums sated by this Security Instrument,whether Or not then due."Oppwing Parry"means the third
party that owes Borrower Miscellaneous Proceeds or the party against whom Bonmwer has a right of
action in regard M Miscellaneous Proceeds.
Borrower shall be in defank if any action ur procudmg whether civil or commit,is begins dist,in
Lender's judgment,could result in forfeiture of the Property or other material impairment of Lender's
interest in the Property or right under this Security Instrument.Borrower can cum such a default and,
if escu tuatim bas occurred,museur as provided in Section 19,by causing the action or proceeding
to be dismissed with a ruling that.in Lender4jdgmcnt, moc edes fodb(mre of the?.Perry or other
material impairment of Lcdefs interest in dm Property or right miler this Security Instrument The
proceeds ofany award or claim for damages that am attributable to the impairment of Undoes interest
in the Property art hereby assigned and shall be paid to Lender.
All Miscellaneous Proceeds that art rot applied to restoration or repair ofthe Property shall be applied
in die order provided for in Section 2.
12.Borrower Not Released;Forbesranea By Lender Not a Waiver.Saturation ofthe
sums for payment or modification ofamortinaon of the sums secured by this Security Immument
granted by Lender to Borrower or any Succesor in Interest of Borrower shall not operate to release
the liability ofBortowa or any Successors in Interest of Borrower.Lender shall..be required to
commence proceedings against any Success&in Interest of Bmmwer or to refer in extend time
for payment or oavwise modify serialized.of the soma—,it by ties Secmity Insmunvn by
reason of any demand made by the original Harvower or any Successors in Interest of Borrower.
Any forbo...by Lender in esacismS any right or remedy melding,without limitation,Lender's
accepmrue ofpaymena from third prisonn,entities or Successors in Interest offlorrowar in in
amounts has than the amount thin due,dull not be a waiver ofor preclude the exerose of any right or
remdy.
13.Joint and Several Liability;Co-oignen;Successors and Assigns Bound.Burrower
ommat no and agrees that Bonrowees obligation,and liability shall be joint sd am".However,
any Borrower who co-signs this Security Instrument bre does not execute the Now(a"co-sign"):
(a)is co-signing this Security Instrument only,to mortgage,grant and convey the ee-signaes interest
in the Property under the terms of this Security Instruments;(b)is not person,lly obligated to pay the
sums insured by this Security Instrument;end(c)agrees that Lender and any otherBanosser an
cure..+.v.w —recursmeowaarssmn
"•mow
v.r.w..r«.m...m mw,wec,.vv,a.wnr
agree as extend,modify:Forbear m make my memnu adaticns with regal b the terms of this Securiry
Instrument or the Note without fie c"gnees cement.
Subject m the provisions,of Section 18,my Succesvor in Interest of Borrower who assumes
Borrows obligations under this Security Instrument in writing,and is approved by Lender,shall
obtain all ofBomower's nights and beaetits under tlds Security farmhouse.BouowcslWl oat be
relemOd from Borrowers obligations and healthy under this Security Instrument mleas Lender agrees
to such mlease in writing.The covenants and agreements of this Security Instrument shall bind(except
as provided in Sen.20)and benefit the successors and amps,of Lander.
id.Loan Charges.!.ender may charge Borrower tees ter services performed in commetbn what
Borrower's default,for the purpose of protecting Lender's interest in the Pmpeny and rights under this
Security Instrument including but not limited W.Womeys'fees,property,inspection and valuation
fees.In regard to any out.fees,the absence ofehpmv authority b this Security Instrument m charge
a specific fee to Borrower shall not be construed m a prohibition sea the changing of such fee.Lender
may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law.
Ifthe Loan is subject to a law which sets maximum loam charges,and that law is finally Interpreted
W that tau interest or other ben charges collected or to be collected in comhection with the Loan
exceed The permitted limits,ten:(a)any such loon change shall be reduced by the amount necessary
to reduce The charge m tins permitted!limit,and(b)my sums almady colla ed from Borrower which
excelled Permitted limits will be cafunded to Borrower.Lender may choose to make this rehmd by
reducing the principal owed red.the,Nona or by making a direct payment m Bartamte.If.refund
reduces principal,the reduction will be treated m a threat prepayment without any prepayment
charge(whether or run a prepayment charge 4 provided for under the Nota).Borrower's acceptance
ofany such refill made by direct payment to Borrower will constitute a waiver ofmy right of much
Borrower might have arising not of sueb overrbarge.
16.Notices.All notices given by Borrower m Lender in convection with this Security Instrument
mut be in writing.Any notice mBnrower in connection with this Security Imminent shell be
deemed m have been given m Borrower wince mailed by fill cls rail or whin monthly delivered
he Borrower's notice address Want by other mems.Notice to my one Borrower shall constitute
notice to all Borrowers unless Applicable Law expressly requires otherwise.The notice adders shall
be the Propany Address unless Borrower has designated a ,,ba jwW notice add.by notice to
Lender.Borrower shall promptly notify Lander of Borrowm's chenga ofaddmss.If Leader speethes
a procedure for reporting Bonowes's dm%c ofaddears,than Borrower shall only capon a change of
address enough that specifxd procedure.There may be only ohm designated nota address under this
Security Wtvomaht A my cas tone.Any notice to Lender"!be given by delivering it orby mailing
it by Bm[slats it en Lenders address staled heroin unless Lender has designated mother address
by notice m Borrower Any notice in connection with this Security Ins"ment shall taut be deemed to
have been given ut Lmdes and acnudly m:ciwd by l.mder.If any msia na u"urd by this Security
Imtmmant is also required under Applicable:Law,the Applicable Law requirement will satisfy the
cornopond'mg requirement under this Security InNument.
15.Governing Law;Severability;Rules of Construction.This Security Instrument shall be
governed by indeed Is.cad the law of thejurisdinioo in which the Property is located.All rights and
obligations coeaineet in this Security Insmvnhent me subject%rry tequi marts and limmaims,of
Applicable Law.Applicable Law might explicitly or implicitly allow the patties to agree by contrast
or is might be silent,but such starve shall not be construed az e prohibition against agreement by
num.ay.rrre..e a.n.ar.r uisaw sahrvrar
e.w.rwa.0-cow r'mww
wr.rrwwxw aeaeereaanahra. .a.nae
contract.In the event Mat any umvision ar cteuw of this Security Iaannnent w the New conflicts with
Applicable law sues conflict I
hi affiect ons ofms Security loNnmenl or the Note
which can 6e grvcn eRea aimwt me conFlicmg provision.
As used in this Security Instrument:(a)ward;ofthe masculine gender shall mean and include
corresponding neuter words or words of the feminine gander,(b)words in the singular shall mean and
include the plural and vice verse;and(c)the ward"may"gives now discretion without my obligation
to take any action.
17.Borrovrer's Copy.Borrower shall be given one copy of the Note and of this Security
Instrument.
18.Transfer of the property air a Berrefic)al Infinite in eonower.Ae hard in mia 3wtion
18,"Interest in the Property'.was any legal or beneficial interest in the Property,including,but not
limited m,chow beneficial interests transferred in a bond for dead,..bact for deed,insslh...u sales
contract or escrow agreamws5 the intent of which is the bansaroftitle by Borrower at a from dale to
a purchaser.
If all or my part of the Property or any lowest in the Property is sold or transferred(or if Borrower is
sect a dead poison and a 6enafaial mwwt m Borrower is sold or transferred)with..Lendds prior
written copses,Lmdta my mquire immediate payment in full of all most secoree by this Security
Instrument.However,this option shall not be exercised by Lander if such exercise is prohibited by
Applicable Law
If Lender exereses this pti.,Lender shall give Borrower dice of sc akmdim. The.olio shall
provide a period of not less than 30 days from the data ties notice is given in accordance with Section
11 within which Borrower most pay all sums marred by this Security Insoumant.If Borrower ails to
pay thew sums prior to the e:puation of this period,Leader may invoke any remedies permitted by
this Security Increased without antes notice or demad m Be..
18.Borrower's Right to Reinstate After Acceleration.if Borrower mace certain conditions,
Borrower shall have Me right m have cnfarcernenr of this Seendry Insbummt discontinued at any time
prior m the added of(a)five days before sole of the Property Farmers m any power of sale contained
in Ms Sermrity lnaowued,(b)such other period as Applicable Law might specify for drc earminmtion
of Borrow es right to wawa.;or(c)entry of.judgoed enforcing this Security instrument.
Thom conditions arc that Barrows:(a)pays Leader all sums which than would be due under this
Security Instrrmmot and the Now as if no acceleration had occurred;(b)cams any default of my
oma eovenens or agewmnts;(c)pays all caparces acaned in enforcing this Security Instrument,
including but not limited to,reasonable anormys'fees,property inspection and valuation fes,and
other fees incurred for the purpom of prom ting Lenders invest in the Property and rights under
this Security Instrument:and(d)takes such action as Lender may reasonably require w ssmre that
Lenders interest in the property and rights under this Security tomorrow,ad Borrower's obligation
to pay the sums..it by this Security lnarumant,shill continue unchanged.Leader may raryire
that Borrower pay such wimtaxmem sums and expenses in now or more of the following forte;as
selected by Lender.(a)cash;(b)moray order,(c)rarified eteck,bank check,trwand's check w
wshler's check,provided my such check is drawn upon an institution whose deposits are insured by
a federal agency,instrumentality or entity;w(d)Electronic Funds Transfer.Upon reinstatement by
Borrower,ms Sorer"Im4umwd and ob8pdons soured hereby shall remain fully effective as Hoo
..lodian had occomd.However,Ibis right to reinstate shall not apply in the cam of acceleration
under Section 18.
owl
noaa.awrMrs.w.v..v.ar.r,as.w rrwaar
a.a•esn•••�
20.Sale of Note;Change of Loan Servicer;Notice of Grievance.The Note or a partial
inherent in the Note(together with this SeonityInmument)can be sold one or mom times wilhout
Prior clot In Borrower.A sale might weaft in a change in the entity(pawn as the"Loan Servicer'?
that mllerb Panodic Payments due under the Now end this Security Instrument and performs oder
mortgage Into smiling obligations under the Now,this Security Instrument,and Applicable Law.
These also might be one or more changes of the Loan Servicer unrelated to a snit ofthe Note.Ifthere
is a change of the Loan Servicer,Borrower will be given wrinen notice of the change which will state
the warm and address of the new Loan Servicer,the address to which payments should be made and
my other information RESPA requires in connection with a notice ofmansfer of servicing.If the Now
is mid and theru0er the Loan is serviced by a Loan Servicer oder than the purchaser of the New,the
mortgage loin smiling Obligations W Borrower will remain with the Lasa Service,or be Imagwred
to a ummmsar Loan Smiler and are not asaviaed by the Now pmchsser mien otherwise provided by
the Note purchaser.
Neither Borrows mar Lender may commence,join,or be joined to my judicial action(n either an
Individual litigant or the mernba afa clan)that arises from the other pgW.actions pursuant W this
Security fnatmmgmt or that alleges that the other party has breeched my provision of,or my duty
owed by anon of this Security Inmmnmt,until such Burrower or Leder has notified the other
panty(with such notice given in compliance with the requbameun affection 15)ofineh alleged
breach and afforded the other party hereto a mamad4e period after the giving ofnedh notice to take
corrective action.If Applicable Law pmvidesa time period which must elapse before certain action
can be when,that time period will be deemed W be re ssmable for purpems of this paragraph.The
notice of accekmton and oppmtuniry le cure given W Borrower pursuant W Swim 22 and the notice
of a "Imation given to Bormwer pursmnt W Sector,18 shall be damned to samady me notice and
oPPortunity W take corrective action provisions of this Section 20.
21.Hazardous Substances.As and in this Secfim 21:(9)"Haurdous Substances"arc dose
substances defend as soxic or haardow,substances,polhrtants,or wages by En immnmtal
Law and me following substances:gasoline,kerosene,other temmable or lark pewlcam
products,toxic pwicidm and herbicides,volatile mIrmu,materials containing asbestos or
formaldehyde,and radioactive materists;(b)"Environmental law"means federal laws and laws of
the jurisdiction wh.c the Property is looted that what W health,safety or environmental promotion;
(c)"Environmental Cleanup"includes my response action,rand al action,or removal action,as
defined in Fnvironmmral Law;and(d)an"Envhonmmtal Condition"meamu a condition than can
aux,contribute to,ar otherwise:nigger an Environmental Cleanup.
Banower shall ort came or permit tlw pwxnce,meq disposal,garage,or releam ofmy Harmdom
Substances,or threaten W release my Hazardous Subamems,on or in the Property.Borrower shall
not do,=allow anyone chem do,anything affmWsg the property(a)then is in violation ofany
Envirommatel Law,(b)which cuestas an Endiromnentai Condition,or(a)which,due to the presmoq
use,or w eat,ale Hazardous Substance,anomer a condition that adversely affects the value of the
Property.The preceding two sentences shall out apply to the presence,use,or storage on the Property
of moll quamiaes ofHmnrdous Substances tlut me generally rmogrixd to be appropriate to normal
residential was and to main emnce ofthe Property(1mkWi hg but ort limited m,Inward.,substance
in consumer products).
Burrower stall promptly give!.ender written rroticeaf(a)hey investigation,a.,demand,hwyde
or other action by any governmental or regulatory agency or"i *p"involving the Property and
nwo..wa r.a.�-ms..w.w.waae,.aa.aar mawww
aateate,e.,.saah.aa,eearr rete°is,i
any Hamrdo.s Substance or Environmental Law of which Bormsver has actual knowledge,(b)any
Environmental Condition,including but not flute d to,any spilling,leaking discharge,release or
threat ofrekaw ofmry Hazardous Substances,sml(c)any condition caused by the presence,me or
release ofa Hezatdom Substance which adversely affects the value of the Property.If Borrower wares,
or is notified by any govammensl or regulatory authority,or any private party,that any removal or
other rcmedimim ofany Hazardous Substance affeming the Property is necessary,Borrower shall
promptly take all necessary remedial actions in accordance with Environmental L.aw.Nothing herein
shall create any obligation on Lender for an Environmental Cleanup.
Non-Uniform Covenants.Bonower and leader further covenant and agree as follows:
22.Acceleration;Remedies.Leader sbill give notice m Bar-mumu prior to acemeration
following Borrower's breach of any covemat or agrsmsomt I.this Security la moment(bot nor
prior to somwesatiou under Sestina 18 not.Applicable Law provide otherwise).The and.
shall specify:(a)the defhalq(b)the aerioo required to cure the default;(c)a date,not was thou
30 days from the data the notice is given W Borrower,by which the default must be cured;and
(n)that failure W cure the deg uh on or before Poe date specified W the notice may result in
'cummatios acks sums seemed by thin Smmrity Instrument,fomsimum by judifim proceeding
sad sale of the Property.The notice shall Ibrther!.far.Borrower of the sight W reimamfe after
acceleration and the right W assert is the foreclmure proceeding the eon-es®tence of a default
or any other dehme of Borrower W acceleration and foreclmure.If the defauh s not cured on
or before the dabs speufed m the noose,Lander at its option may require immedbre payment in
full ofml saw inured by tub Security Instrument without number demand and may foreclom
M6 Security Issument by judicial proceeding.Lender shall be mfithed to collect sit expenses
meowed in purring the remedies provided in this Secticu 22,including,but not Henited to,
reasonable attorneys'fee and cons of title sentence.
23.Release.Upon payment of all sums soured by this Security Imuument,Lends shell rewase this
Security Instrument.Bormcner awl pay any recordation costs.Leader may charge Borrower a fee for
releasi.g this Security Irs6umact,bre only if ht fee is psis'to a third parry for servicas menaced and
the charging of the fee is permitted under Applicable Law.
24.Attorneys'Fees.As used in this Security Instrument and Me Nots,attorneys'foes shall include
Mose awarded by m appellate court and my mwmeys'fees!awned s a bankruptcy proceeding.
25.Jury Trial Waiver.The Borower hereby waive any right W e trial by jury many action,
proceeding,claim,or counterclaim,whether in contact or Wn,at law or in equity,arising out ofor in
any way mimed W this Serenity is cumacrtor the Now.
Signs as"Borromr'newly for the purpose of waiving hanesoad rights.
neo Fear r...+w.vr.umwramne.,r r r uccmm
rww,w..r..da..w wecnaca.c.uzc�w,eaesr a.r.isu e
BY SIGNING BELOW,Borrower accepts avd agrees ro the terms and covenants contained io this
Security Intlmmmt and in my Rider executed by Borrower and recorded with R
Borrower . 1
By:Afschell Afarsera,err ARomey-Im
Foct,frs MARKF KIPANON
4826A"MHAAG"KORW
JACKSONVILLE[ FL 32224-1876
Signed,mled tad de0vered Ie the prweoce of:
au
Aek mmt
State of Florida
Countyof ra^al
This imm�meot wet acknowledged before me an Oeaober 21, 2016 by Mitchell
Matters ae momey-in-hr:for MARK F YARANON.Such pcn*s)Marc known to oc or had
have predated Brlvex a I.ft>rofe oidwlifratioo.
tare pma, ELI2ABEfFIAMUBPNY
4Y(a3uwsv(n eruamss
Doors ranma.zo.ame
wllm e w I
My commission aspires:
Loan Origination Organization;Navy Federal Credit Loan Ongivtor:Tim Ing
Union NMLS ID:623222
NMLS ID:399807
tovo.,w revs..+u.s�m.w,Draw osrwac,r
...�e,.w.•ore
hee..w..twus..w. sw.oaw,aae,-meam nw,t°°'O++
Exhibit "A"
Lot 6,Block 211,Section"H",Atlantic Beach,according to Plat thereof recorded N Plat Book 18,page 34,of
the curtent public records of Duval County,Florida.
Fiie Number: 16B20i4
LLv�u.,�;wwn.+m xoo xwoa..a
Closing Disclosure '"m�h°�°^°^°"� °� J.�maawJ
n0armmt wpli yaurLaen Eat'rmh.
C OBktllmamhHOn
T..d. 1J Lnan lnbmhtlp,
ON bauea Im"10 Bse[w I1M1(F YARNpiI twnTmi ]p Yawn
GnlM as 1MIMI$ W5 WWSH HNYgCKMW ,Yam H„Uaw
GnbmleJMdY Im1wa JACNSONJILLF,FL]3II418Id
MWwI ihetlgM
9atlHwrnaaaa IUM14 YaWxI
tS81010 Th
49ar TM algap$�1
FAa Atl�mIHc�BNM,FI.]3Y}I �^eATYw ®CwrvpdanalOFHS
PruwM lw'0900 F ,FL T
AHentic tbaMi,FL]22f3 0 YA O
Le+mu WWIMUL 4a11UrYp, tewWJ llbitlBlO
Bale voce Snt5W.00 htJ
�. Canigb aowu,t lOClaaJe atW cbinp7 .
loannmoam $276,925 NO
I.t~Rata 4.875% NO
m0flwy Pnnelpela hblaat $1,465.51 NO
Sas RWMw1FVNV aJa.a,.,a
'6aaethnfaartnavcHlaaskmuirT
PnPayhent Penahy NO
Banoon P,ynem NO
PeYm°ni Cakulm,on' I Years 140
P,MODd 81mw881 SIA5 Lf
MO,i~Imu. 0
EatlnubA EacOW IWAS
AmourN wv bnraasohrYea �
r y P.Y.nt $1,593.69
fstlhab Taxes.IWuvanca TMc aatYnale YnlRSaa In gcmWl
6A«wmame $128.18 ®P1O "T. YFS
AnrowMa,anw.aaawreti,e a12p, p °h°u°n°° YEs
SeaggaabrdW Sw fmowAom,nl onwPa MJMeh Ya,muu wYbraorergewrry
wan+w.ralur
ck.ma rmla $5,560.07 =c .ea$sa.,=C=4-1,mIA7 h 0twCW0l-$am r,
Paoaa Srax.a
C,wIfzw Clwa $14,368.92 ha,em uoa:n coa..sw C+brYlpowccaa MPJPyh'UhYa
cwO MsuoAlxf MfiE10Fs .LOW heae>emh,t
vr<h.a ar..r...Wsw. rnalalnal.aa:nah,wnw
Dern.
Closing Cost Details
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Additional Information About This Loan
A.SUMPMn Em9w AvwNN
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CLOSING CLSCLO&ME flWEa0f5 .IOPXIOa MA]W610
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mmngye buuaroa.aml Mn mab.aa MaAMd f5yp,3p.${ pirva yvua WpYYroaA4lmaIm4N4aq Jtlay Ylm2 cbelry..
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Closing Disclosure
Coins Transadim information
OnabwY 101"16 amrovw MPFk F.Y.ra-n
OarW". 1W31/30i(i 130:Glatllola ROE:
MWaemet WY SOf}1n0i5 AWMrB h,rlo 33333
Hn4dMAaen[ PHorJ T.MoeeXeatl TXk6Eroev,k�c
iWe 1LSNli 4YY iFanisLXMY
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Atickd,MrM33333
HIVP $2,91.500
SELLEP'STMMPCT. paps:ErriU9aUI1FA
M. -
ue to 5d!�m[bma wme 14Wkm Ni,.k.
UHIc a®0.laof hoperry RW.SfO.00 mem MEMT—nPL—
EaleP,¢eelgm Penanel PropnlylbY1aY43Ml SIA,ug..Ox P33095
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grreumem[ m Yleawae BemR rbMe 13250
0.lrtwgi0 Mt 3019191
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4MiRiLllmsNl
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Mdm -i9Ml u34147
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Cl09XG019CloAME PAGE 1 OF 3
Closing Cost Details
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Tnntler TamMartAPkSw bOM4dMe GrmNCeun
Hommxnalihwarin Nmmm M1YnNosIIL __• _ .. •� _-...
PnVra MweO P$3F6mdy Fon 1p/$I/i116m3V1/1NF� .......
ProPeMTeeab Wval WYnlY iaaGLLtM - 51611
�1IG%olde prtPoab$0N taM1�
HmE pnwan:e Prwrvwn m AV
6.INIkI FSpw Paypwket GosY{
ab^mrm'SNxrain H393 mmmlM1 kr]mo.
Mveppemal�n
ISopvty Tam - 5 2 Krmwthbalmo.
Fleotl Nwnrcr $b.9E mond/w2mo. - . .
nrm
N.ONaY
Mod lknFge mWdNYYk MN -. �. $1.1�
Ie�PAm NMMPMaY miMY4u1 5M6
NaMF.K $)K6
ReNEWkCamitlmlHM mlenNeW kNPM�b11sFYNb $5pptp
nue.ownaM1Cmy�ePmmFenlOglpnap mOb NmWlk Xpleial Tllk!Duette Gmgmy
1.TOTNl G9AXfi N515 �®A
We/I nam`aM lv mMeweift Mb{D W.ex W am4ahveetlavunle sartimem ad m
aawmorMmemmnmmaft
lYnotL lYtle maaae
UOAxG Dl5UO3URE WE 30x 3
Nmerkan Wk1Nle Lamtlatmn ALTP 6amanent Peatement-Lomhined
Atlppted 0601-zms
HkNajEsaow Na;iGBTON WdtaNi,MwehepdnN9L 6woah lnc
print DateLnmim,:0/M36 r SAT MA
S.M./fufw Officer:Belli Murphy de6Thhd Sheet
6eUlem sl potion: Neptune Beath.fbrka 33366
aaa t
NeptuWnene StreeBear,Hpida 33266
Property PG ":IM edadbN Sheat allantk 6pN,fledda 33233
BwwO ML RYamm
wlp:lhomas L.Pady
Lender Nary FNtnl CretM Unbn
Settlement Dere:10/21120%
Diehursemem hate:20/211M16
Addld .ldabsWsobreMbNlladc
Salbr ' . 3stiptbn. . .. ... .. Banewer/&Her
Babk Caal1: Aabk 4edN
flnalWN
S291,6anro waAtce 0lPropvly 6291,MW
D pmitlntludln3 eamestmonry u$0pp0
1Pannloarax $276.9r6
si3Opp.Dp wN.Credrt 61ADDAD
rdk-IbubrcawW Qegt 61,63330
6133xso n6e-wubnmwwoePe
P..AI YYPdBlwnanta
sm" Eabnty T.from l0/21/MM m 12/31/M16 smw
tnal Chugam NwyfeGrroedt ur:pn
PcepMdlnterostf6MM"rdeyfr0m10/21/2M6m
$606.30
11/1/2pN i m Nwy federal OsdP Unbn
OUlarlwn UrnBaa
PppblNl FeefPlK try Btay9wer.$G66A0)
Gedrt Reportfee IPDCty/BOUpwer:$NA6f
flood BfleminatNn Fee 52,pp ,
Tawvicefee WN
TV Sn-Up fee x,00
$050 EiM Fecm0ld Repuhlic Natlb4litle htwublta<bngry 51330
IpElPmtla
Momepme/s lnyyantE sum
Property Txm $S33a
Cnpn�Mall6Amnlan wlb./e(py0ra pwid3
Miglaa�avree 4tLB6Me
Pdebd m N/M/Tp16�5AT PM
Ame7bn1aMlHlaAaed.ndA ALTA S'A[NemeNstuamera-ColoWmd
Adoged OSOS-2p19
Hood Rmruls $g$gg
ANm AdpmRam1 579.E
nve ONrgHL[sorow/Set[kmem @Gjtl
$395A10 TNe-Oodrg FeeroFNCM1aNT.MaeM1lW ntle6Furow,kc.
Ttls-[oulw/Wryboc5mr.roRkM1aW T.Maebea411tleg $45Ao
Ecaow,blr.
ll[k-FMonmlat ilWgd RepubNC MmmnM title Yaurame ��
Compary
kfOomsaNn[iL form 9ro OW Rgsublic paNmal lftle $168.25
urance parm
Title-lende f sxs,e Premium mold MmM.Natlonal $1rIW.00
TRIe[murmuCanpany
$335.W TIN.-TNBS to Qd Republkkatlo"Mffelm mnce/"
nNe-rlNe SeMmTssm RlNardr.Moreba4nik aBlWw. $119.90
Tm
$328 TNle Rvurann9urtM1arge feemlR4 ReWbik NellenN lMe
ImuranoeCompany
TNe-O efs Coamge PGmlum ft0)1.014R.eubf
National ntlefnWGnm Compaq $�^�
Cmllralvbe
$474SAN a916tne CGGMGkItlBuyerjm WvMGoe paNY.6c
$5�.� RglErtne Commbd9n l5llkrl to Mninwle Propertln 0.eslry,
bsC
GownmantRecmdllq BnaroTa CbarB.s - -
Recor4ing FeelW Clerk./Nle tlrWl[COW $156.00
$18.50 Pagatling NOT rotkrk of Ne6msRC9urt
Rem6ng P0Am Chrk oftlG Oral[Comt $21A0
$2,0!050 Transfer Taxa-0.ld$1Ne WtlehdfdmMftC
Tnmfer Taaes-Mortgage SGG mtkhof Ne Grad[9oa1 $96950
MkpNam.us
510.98 Be Uen LetterWCitydMan6c8adl
lbmepsneYS Msumn4 Prtmkimm PlRn kaavaetlC $527A0
$28131 Paopvly Tna6WMal Canlyia TeRala
HoM kftumOPfatWelmA51 $3nm
OebiL UWR-. y .`-xOggN
$20,99159 $291,&0.89 SUMOGIa $296,326.!2 $281,957.50
Sae TWmBart.ly $19,348.92
N33 MT.SHW
[opsentmssanermiuMlakauaaum, Pp2W3 cy a;1682012
M rynlsrtsnrM. Preyed mlgrM/2016 @ 5A2 PM
Amerken Land Tide AneWUan urlserue,ne:rtsrsemem,[ombinM
AdaptedO -HISS
mooadadgenwnt
Well haee carefully stewed she ALTA Settlement Statement and find h to be a We and amrete statement of all reseiprs and
disoursemanb made on M xcount ar by me In MW U,ansacdon and further terdly that I have rettWM a on,of of.i TASettlement
Statement Wy4authudaelbdwd T.A mend TkkB Eas,.,ans.on.onefaMS Wbedis,urtM elaudrtlaneesaMS Ma
statement
Borrower Ik �AITF� Seller:
h F.Yaanon Thomas LBWE
!y M4M%IL MasteM as RROniel'M{RS
h.nvtawed Ne Closhw muts"sus,the setfine'l aemens,she leudeh dining vss4ua4ms and an,and aBadle W.
relative to the escdw funds,Induding any disclosum of do,Florida dile inautance ptemloms being paN,and I as aso to duowse
N crowfun M ce wM Me terms oflids mrwaRlonaad Florida law.
E 011or
Capn6M lm5ameraan lane Thkµgwllm. page 3of3 Ste a:1WO14
.1 nahu mend. Pnnted on 10/20RO16 @ 503 PM
PILE NO.16101164
** *
* *
** **
Commitment for Title lasuraoce
(with Florida Modifications)
Isaed By Old Republic Naiad Tilk Inwaoce C irpaoy
Old Republic Nuionl Thk Insamx Compoy,a Nod&coryorerion Moapmv"Z for a v It maidaadon,coamib to issue
ib polity m policies etide uommee,a idanifad in Schedule A,in nvor orae propouA Inaed named in Sebedude A,as owner or
nangagee of the elate M imerot in the LOOd daaibed Or tef i b in Scbedole A.upon payment ofthe premiums aM cbnrges od
wrnplkawc with the Reryiremen n;ill intim to the Provision Of Schedule A aM Band to Me Condition ofrhu Comnmifamc
This Commiovmt ilmll h efteaiwonN whw fbe tawdry efWe FeoPused Lmmd and @e amam:oftbe poLcywpolicia
committtd fw haw been ksatM m Sebaluk A by Me('unfParY.
All liability and obflPdOO under this Cosnmitmea shall emse rind terminate su(6)months aaer the Effective D+4 or when the
p0liey a pdieiouanmakd for ni iaeue,whklawr fng occurs,provided pat the hNure N issue the PAi y or polieia is not the
Wt ofdm Cornpmy.
The compafy will Provide a sample Offhe polity ram open requeris
Thh Cemroift and sill not be valid wbmdbg tmtil mwvniguW bye audmriond offi-e of ft Corn ory wan agent of floe
COapnoy.
M WrtNM V"MRW Old Repobik Nuion it TWO Insurance CoorPOOY hos sed Rs oorporeu nae rid uel m be affixed by
iu duh amharimd M.ori fha Qox ahoun in SA dui.A
Inued tlrough the Off.of. ptptnpft®ICI1aBpXALItstFtxauaAK[CpwAm
Rielurd T.Morehead Tilde l Esaorv,Ino. A6bq Cwwnr
*C1 30 Street atp3entlAineSewn.ercgetit aYaemra SSWs
Neptune Beacb,M 3=6 FrAPftsrr
Phone:�9041tlTy11 U .
Autherisd SlpaRae a
oRTwrweapr.
ALl'A Cbsdmwt far Th rwwaax Mw
# ( .
ON RepuUOc National T511e loaunnm Company
121 wW Fonyth Snell
Sulte WW(t
J.ckt.Ole,Emrich 32202
SCHRDULEA
FILE NO.: 16101164 M
Agam M 416/32014
County: Duval
L Eff ndve Dm:VVSoKA 'AT6'QEO91rM.
2. polmin,m be lsmd: Ptopo AmountofLiwrar :
(a) ALTA 2006 OWNERS POLICY A.a 5291,500.00 -/
(wit Florida Modifications)
Proposed Inmred: Premium: S
Mak F.Yankton
(b) ALTA LOAN POLICY ,Ammot: sr6x5D0 .
(wit h4aSfimims)
Propaad Premium: S
NavyF I owil Union,Us ncusma and/or mein telti vme may appear
3. 'Iheataloori m the land described or referrtd m in Ibis Commilrneot is F.Simpl,
4. Tille to tiw Fee Single enaa or imam in to mrd is a rhe EHxrlw No,veamd in
Zb.. B,Rede^
5. The kind referred m in this Commilmeot in cl c W m follows:
faa6,Rlrck211,Safim'H',Atianic Pexh,enmtingm ptn tiwree!semda3 in Plat Rook 19,pose 14,of
the ovrml public roads oftlnrel Coumy,Flmide
.5LT.5COM Itfff lrRl
FILt,NQ.: 101011"
SCHEDULE B-SE [ON1
REQUIREMENTS
Requirements:
1. Fayvoed ofdK fidlmnadvgion m,mfu wcacvoua.of,Ve gemasar
2. Ivslnnuam(s)neasaary to creme we esmc or mtomn m dmunm must openly execumd,ddiv.ed sal
�f dWY toted for mconi
e) Wartsmy Deed from Thomas L.RWy,jomed by musied,minlmde eon-homestead
\ language,m the proposed m L.R
b) Mortgage ban Mark F.YKmsoo,jomM by Rnmried,a irchme mn-bomesteed laogmge
w we proWaed imumd mM"..
3. Other innrumems which M.h'.Mly executgd,
a✓�'���rj�///� delivered and duly f0vi for to 4 ancYor other masers
ywhidn mus[be firmiahedmwe comparry: /
) Poufof payment nfmy limamm.duawa Cltyol Atbntle9eeeb.
b) T®ivnimofshNa ofCmmmremmtrmmtledMRlt I.MifimOR Bpd 17471,page
M. IaMdiHw maGWa� from tro mohamr ihnallwmkiasbam cssmdeird will be requueJ,
togew.wtiha FbWW and Rdmrz of Liens fiom each of the asbcontra Mors and mmerialnan
whohaveprovi W" onNor have given a Notice m Ower andror arc listed.unpaid on the
d} Conine Final vL Pusoaat m FS.113.132(4)A notice of,.imfim he cMaive tuwmioete
A tLe vugice of m Ne lam afM days aft.mcording ofNe..vfrermuution ar Me
dere slnedmwe uofmmly.m the dna m which we nonce of calNMnttmenl is mrmireuA
pmvidvI Vmt0 ceoftonumiov has been eersd punumlmp.e,aph(I Xf)an,he connattor
sndaneach ti twlm lwadinxtummm:fwiwwe awrca ne whnhu s.vedanolia to owcer.
wising Maeur end[rlem yr.M be iosuesd whhoct exception for myliem,:oss,mGarm6e
ensmg or mined tows NoticeofCwnmenamenl udil we public rmoNs mlbe 1pda¢dmadete
wuthe ofTemdnatiov is effative.
7eB
m
Noir. rhe fmvingisfminfonlmmW purposes mtyaMwiD mt appe.uds palicrm be iflswd:7Le
fdbwin s)afimiog welarNi in ScheddeAb.mfcay.amminmrn twrntyfiommmw
pc d mwe eclive date ofwis is wmmitmcot:
OK lmlkp 965
NOTE: M reeoeding refereticea m wm conunibnenVpokcy e1mW refer m Vre Pudic Recwde of Duval
County,unless oth l se noted.
gO1EDr11S S SEClrgS D k5 COfTI V1UEDONMyADDEDPAGC
ALTA L'OM nnWW aKe2
FILE NO.:1610116/
0rsscrvnr B-SECITDNO
Selsedule B oftlee policy or policies to be issued will comain sexcniens m she following se unleu the sense m
disposed ofm the sarisfemion ofihe Nuo sty.
1. DekdtS laaq m7tntbratms,edvese claws ur ud .1 Glut oppssing in Out Public Retardsor
aWebw6 subsequentmtlm EBmive Oat but psiorm d pmpozd Laved acquhen for vnhs ofseconi dte
ev�ada®asmtppge0vsm�cm�ned by dsu '
2. Aoy evaoachmnb,enmhsee y,viobtbn, .ar tlwx aliening tlro Tale tlus wouk be
dtscrosrd by en eccurme end complm survey of the Land. The term 'encsoachmen"' Zludas
meehmrnu of existing Impeovemen ocmed m the Lend mHo adjoining Into, and enerowhmeme m the
f.and of existing improvements lojm� on tuneless, (end. Covued Rssk 2(c) oes policy jacket is bemby
.tuipmd frena Coverage. / .
3. Rigors or chitin of/ mpossession.
4. Consttuctlas, /"'s,Cam tus•or Mecesielmrn's lien ckilm,if anY,where so mo¢ihvmf appems sl
r«md.
5. or claims afenaemem von shown by the Public returns,
6. General or special tuxes and al5eeamenh rtquired to Is,paid h dte year 2016 endsuhunqurntyetn.
]. All minus contained on the PW of Savior W,AdWk Bench,u mended"n MNool,l$paw m4
Note: Tuesfm dm yenr 2016bemteelkn on tlm hntl January In aldmugh sot due orpryebk until
Novnnsbulstofstidyeer. To fers6e yaar2015 in Ne amount ofS666.],m Paid. TexIDNumbe
1]102]-0000. �� nn
7�t.fY�• �'. 1 d-- �
ALTA i'AMtl1IIm1! qK)
FILE NO.16101164
M"IrfONS
I. The term mongaga,when mumberem,sw lodude deed of Most,trust dew,or own,county inslmment
2. If the Proposed Insured has a-mcirtd actual knowledge a.,defect,lien,encumbrance,adrosse claim or aper mmtnr
aRating Me estate o interest or mortgage harem wvcted by this Commnmwt offer Man Mose Mom in S rfaB
hems[and salt M1 Mo discluu such luau"led,to the Company M wxirag,Me Ccmp.'my dull be reti,sxd Mom habRdy for
any Mss or damage mndmin fi an any a of Minorco heron to tlaextent the Company apeptliad by Milme b so disclose
such hmwladge.If ton,proposed Insured Mall disclose such knowledge in this Company,or if Me Company otherwise
acquires actual knowledee of...h defect,lien,encumbrance,adi me claim Or mo motto.Me Com(am Of it npfi,
M"normal SMSSm c B Of MIS Comm mush acpSmgly,but such aoanwem shall not refave,the Company from liability
preImeny acurrcd pmzun:to paragraph 3 of Mese Conditions.
3. I.iebilay efts Company under tla Commia�mnt sell a only M Me vam,A proposN InvuM aId stab pmtia mcludW under
1M definitido eflna,,..0 6s Me fan of pdiry m po!vim uommittad fmaod only fmnmrnl;as snare in reliaactr„on in
ullda�mr emand"vh(a)Mcampywitrn edgaethu hamf,a'@)thmimin�,xat.hon ewsmin SrhMtk 8,it
ecce auquire o nt s u d i acme a interest m plicygetemon covered to tis CommMnabi it no neat shml such liability
exceed Me amount sorted in Schedule A for Me policy a pnliclea committed MIAMI mcM1 Imbiliry is subjrs to Me inuring
provisionsase Condiih Mandte Exclusionsfrom Coverage andaform o. n f poaiev mmmmd for in mvortitle
proposed mewed which are herby inmrpmmred by mT aand act srWeapmsditbis Caounitmcnt exoaptmexprcuty
modified herein
4. ]his Commilmrnt isa,avrmet Miscue ou or noort title insurance pMci�aM vnam abust ditide ser arepet ofte
cmditioo oftbm.Any stied rc xtiarnoriglm pfacfa tan the proposed Isuoned wry hare a wry bring egaham to
Compasry wncMadrnmr bored an mgngrne arising out etre mama ofdu title to to acme avdmM or Ma tarots ofta
mortgage Hereon covered by Mh Commiwent must be baud on aM w subject M du Prw¢iom oftu Commianent.
5. 'the polity m be imced will,eaam the following arbitration clause:Unless prubmited by applicable law,arbiwdon pursuant
M the Title Imaraoce Arb'dmdn Rules of Me American Arbitration Association may as demanded ifagsad M by both the
Company and me Main at the made of the wntroversy or anion.AMiaabm maws may include,but ae not limned to,any
rdntmvmy or claim between to Camwny ad the brsmed arising not eta reWi'o,Mus,'M:,,And xen'ica eft,
Compvylamna[aiM wuh a auaoce a the b(exh an Macy pro ti inn an diner oblgmton.Atbmatiov p'asnat M His
pai,y and sectio to Roles in affAct on Me date Me demand for arbitration Is We dr,at to option of Me Lamed,the R.ka
in effect m lime offolicy shall be binding upon the Ismties.The award may include annerne s'fees many iflhe laws ofte
state in which Me land IS[rescued!permit a count M awed drrrocs'Men M a prevailing paay.Judgment upon Me awmd
reademd by Me Artnumor(s)May he entered N any taut hVmgjurntcrAm Mamf.
The law of Me shat ofine end"I apply to an Arbitration order to Title Insurance Arbilrmido Rules,
A 0.,ofmc Rules may,be obaioed Most tice Ceram a ninon sdqueat
ALTFan a
ALTA C9wokirwaesl rviM e®n„ae a6K
SPECIFIC PONYER OF ATTORNEY
KNOW ALL MEN BY THESE PRESENTS:
ThatL MARK F.YARANON dothis.Tf.Tf tdayofSeptember,2016,herebymnstituteartd
appoint,MITCHELL K MASTERS,m be my can and lawful AgemadAttorney,with power to
act in,manage and conduct all of the pmpeny and estate and all of my affairs,and for that purpose
for me and in myreme,place and steed,and for my use and herefn,and as my act and deed,to do
and mecme all rets including,bre not limited to the following acts and deeds statedhereembelow. It
ismyintentinexecu gthismsn�tdmtthepowersmnferredonMTTCHELLKMASTERS,
shall be exercisable commencing with the dam hereof notwithstanding my tato disability or
incapacity that I may suffer and shall be in full force and ellen unless revoked by ma in writing as
stated herein.
As penainsIn the referenced property h headed at 1201 Gladiola Sbcct.Atlantic Beach,Florida
32233 mom particularly described as: Lot 6,Bloek2l 1,Section"lr AOamic Beech,aceo dingto
plat thereof recorded in Plat Book IS,Page 34,of the ctureat public records of Duval County,
Florida.
I hereby confer, grant and give the following powers to my Agent and Attorney,
MITCHELL K MASTERS,to wit:
1. Purchase and acquire said real property purr ont to contract and to refinance,pledge or
transfer said real property.
2. Execute and deliver my legal instruments relining no the purchase and encumbrance of
said property.
3. ExecuteNoms,Dads ofTmst,Mortgages,and other legal instruments pertaining msaid
property,be it for purchase,refinance,equity withdrawal or M similar cucumsmm:e.
4. Approve settlement statements,aut mriu m ditirow or reductions to the sale price,loan
turns,mortgageamount,and moregageacross relative to said property.
5. Doewrything and sign everythingmeessary mapprolriahto purchase,refinance,pledge
said property m accomplish the powers act rxm heeim
6. Mortgage or pledge the referenced real property,as well as sign my contracts,mortgage
dmUMM1 ,loan closing papers,schlcmerrts aftent or ad=docu ernsnecesaryto aid said sale or
mortgage cmnveymce thereto.
7. To specifically sign closing documents,lender documents,cotes and mortgages,to my
lender,in the amount and interest rate established by lender and accepted by my agent.
S. To sign any necessary papers,affrdarirs or curative docummts to effect good title as
required by any title company insuring the owner and lender policies.
9. To sign,execute or otherwise fife any documents nessawrym file for them homestead
exemption with the tax assessor's office of Duval,County,Florida
This power is inevomble urdess a written relocation of same is ddy recorded prior to
execution ofdocumenn executed under the amhorityhereofin themamntpubldc records ofthesmt,
and county wherein the real property named herein is sib, . Any closing attorney,tltlecompany,
or examiner of title and lender's agentneed only look m the respective county's records of evidence
of revocation. Them being none,this power is in full force and effect.
I, MARK F.YARANON,do hwebygive and grmtmto myAgent andAtto=y fdl power
and authoritym do and perform all and every cot,deed,matter add thing wbus eeverm andabout my
property,estate and affairs as fully and effectually wall intens and purposes as I might orcould do
in my oxo behalf if personally present,the above specially mumemted powers being in aid and
exemplification of that whieh I could do and not in limitation or definition therm£;and I hereby
rmfy all that my Agent and Attorney shall lawfully do or sacs:m be done by virtue of these
presents.
I hereby indemnify and hold harmless any third panty who acts underthis PowerofAmnncy
against any aM all claims,demands, losses or causes of action, including expenses,corn and
reasonable amme5ys fee which such third party may moor in reliance on this Power of Attorney, I
further authorize Agent to grant iffiemnitip atd hold harmless agreements many third party who
accepts and mets under this Power ofAnomry.
M TESTIMONY WHEREOF,I have hereunto set my had this y2&dday of September,
2010, in the presence of the undersigned witnesses who are hese at my requau,all of us being
eighteen years of age or older.
O�
ass ARK IVYAPNON
trxss
STAT'EOF t- Loa•tc2w
COUNTY OF
IHEREBYCERTIFYthmonthis3t day ofSeplember.2016beforeme,allotary Public
inthe Stmof F(er.'c{a .perswIDllyappeamdMARKF.YARANON,Priucipalinthe faregoing
Special Power of Attorney,who is pmwnRUy(mown to me and presented a driver's license as
identification,and did tale an o W r and adrmwkdged the foregoing Special Poen of Anomey to be
her act and deed-
WITNESS
eedWITNESS my hand mid Notarial Sea].
Notary Public
Statcof Fln.ibw
MY Commission expires:
atvr�eaom ni�miw
NAW FEDERAL CREDIT UNION
TAX AND 111SURANCE INFORMATION SHEET LOANNIDA®: Aa6I06910
MtTnns NAME: IN3E
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NAW
FEDERAL
Credit Union AFFIDAVIT OF IDENTITY
DATE: Ip272016 LOANNO: 8026708910
PROPERTY ADDRESS: 1201 GLADIOLA ST
Atlantic Beach,FL 32233
This is to ceni(v that MARK F YARANON&.MARK YARANON&MARK.FRANK YARANON
is one and d.same person.
A7ARK F YARANON BY:M'x N hd4>s$rs,n
Auo c,A-Fan for MARK F YARANON
Swomtomethis 219t dayof O tabes. 2016
No PAIN:
�d I'4n\ R� SMAMURPHY
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FEDEPAL
Cradit Union FIRST PAYMENT LETTER
Rd', 8026708910 October21,2016
MARK F YARANON
Property Add.
1201 GLADIOLA Sr
Atlantic Beach,FL 32233
Harting Address:
Same m above
'thank you for coming to Navy Federal for you Mortgage finaroing needs!
You fect paymmtof 114Mp3hf Wdue 12B12M.
Your payment will be as fellows:
Principal and abtast paymet S 1,46551
Eserow(for taxes and immune) 3 128.1E
Additional Principal Payment E 0.00
TOTAL E 1,593.69
You have sabebd to hem you payments economically deducted from:
Navy Federal Credit Union
Account k: 3013566520
Routing/flansit A: 256074974
Your payments will be deducted an the Mb of each math beginning 12!042016.
We wish m stress the importance,of having mtficiem funds in your aecouM on the due date of each
payment. It funds cool be,collected on the due data for any reason, inducing insufficient lands,this
will mark in yen being asse8ed a mbar payment fee.
Please nota that the escrow portion of you payment will change periodically based on tax and insurance
disbursement changes. You will be notified when there changes occur.
You are not required to ectablkh peesnthosred, ramming payments as a mndhbn of you loanthis
mrvim u classed,and you may doom,other methods to repay you kart. To ental mltmnatk payment
dmfting you must comact Navy Federal not less than five teachers, days prior to the next scheduled
payment due date. The transfer may not be able to be mopped if notice is rent provided within five
bnsiners days.
Became your property is am eonstmetioq your monthly payment for taxes is based on an
estimated real arta,tax amoaat This will resale b future".cut cWnges nam v fully messed
propertyvalee mad to tom t has been determined by your tuiag avtherhy,
If you would like m change or cancel your autommic payment draft or obtain loan information(acluding
payment and loan activity information)visit our minks at www.nayyRe.o2 through Account Access or
contact Loan Servicing m 898-8425328. Phase allow 7 days From you loan closing date bcfc c
requesting any automatic drafting changes. You can obtain an emoritintion schedule for you loan at nor
website by cele ening CakuhrtusfMorlgageltlow much will my psycomb be? If you need W conte m
for information concerning the servicing of vour loan.pleax call our Morel and Equity Call Center at
the above munban,Monday-Friday between be hours of 8:00 am.and 7:30 pm,E.T.
once-amus ISMNF. pbles9l4
Initial Escrow Account Disclosure Statement
LwwerBnvker llorrome.
Nary redound Credit union MARK F YARANON
820 Foilin Lane 4826 MARSH HAMMOCK DA W
Vienna VA 22 18 0 JACKSONVILLE,FL 322241876
(888)842-6328
Dab of SaVWRWC October 21,2016 Properly Address:
1201 GLADIOLA SF
Atlantic Beach,FL 32233
THIS 15 AN FS7TMATE OF ACDYr1Y IN YWR ESCROW ACCWNT DURING THE COMM YM BASED ON PAYMENTS
ANtICIPATW TO BE MADE FROM YOUR ACCWrn:
Period Paysnk an Paynarab hos Dowelled" 8acrow Amend
lhemwAaomal Hsrow,Aecoaot Balsam
Initial Dgmk: $128.13
Demmba,2016 8128.16 $0.00 $256.31
Jammy,2017 8196." $0.00 8384.49
Febmar7,2017 $128.18 $0.00 $512.67
Maroh,2017 $128.18 $0.00 8640.85
April,2017 $128.18 $0.00 8769.03
May,2017 $128.18 $0.00 869711
1.,2017 $128.16 $O.OD $1,07539
Ju1y,2017 $128.18 80.00 $1,153.57
August 2017 1128.38 $0.00 $1281.75
September,2017 $128.18 80.00 61409.93
October,2017 $128.18 6527.00 Flamed Incomers $1,011.11
October,2017 $128.18 $371.00 Flood Iruunoce $640.11
November,2017 5128.18 6640.11 County Pur"ty Tioea $128.18
(PLEASE KOEP 7116 STATEMENT FOR COMPARISON Wrt31 THE AMAL Ac rry IN YOUR ACCOUNT AT THe END
O'TML'Eft Vw AMWNIIND CGMPDIAIILW YEAR.)
Cushion sele ted by aurriw:$126.16
Your mordhly,mortgage payment for the coming year will be$1,593.69,ofwhieh$1,465.51 will be for principal and
interna,and 8128.18 wdl go into your avow account
0 TTw tomes oryour tarn may result in cbanga on the principal now interest payor %during the you.
Barrown�
y MARKFYARANON Date
ByeMonera,as Anomey-6r
Fac1for or MARK
w.w.ar.e..tir+.aw mwn,m.eern.»e�xaaav ar..n,
NAVY S
FEDEM
Real FstYe tending
Loan Number: 8028708810
Borrowers)Name: YARANON
Property Address: 1201 GLADIOLA ST
ATL BCH,FL 32233
NEW CONSTRUCTION PROPERTY TAX ACKNOWLEDGMENT
I admovdedge and undmsmndthat in order to establish my escrow account,the taxes
included in my dosing costs are calculated based on the current tax statement for the purchase
of this new construction home.I understand that the current tax statement may be a landon
value or a value plied on the home while in construction.This bill Is the only NII currently
available to Navy Federal
Current Tax Bill Amount:$840.11
I acknowledge and understand that to qualify me for this loan,Navy Federal estimated a future
assessed value based on the sales price and currant tax rate.This is only an estimate.The taxing
authority for my property is the only entity to determine taxes due once my home Is complete.
Estimated Taxes Used to Qualify:$5ala ac Per Year 5xsa'e'r Per Month
1 acknowledge and understand that once the county reassesses the properh with the completed
home included,my next and future tax amounts due will be based on that assessment.Upon
completion of Navy Federars annual escrow analysis,my payments may change to cover the
amounts billed by the taxing authority.This assessment and the Issuance of the next bill may take
several years to complete.
Curzem Monthly payment Estimated Future Monthly Payment
(Based on current tax bill) (Based on estimated fail-velua lax I:10
P&I: $1465.51 P&I; $15.51
Taxes: $53.34 Texas: $459.87
Hazard insurance: $4342 Hazard lnsurarce: $4392
Other. $0 Other: $0
Other. S2 Other: $0
JTI . - IOTAL $iaaan TOTAL $ta�4o
I JA me '
rrower Date Co-Bortower Cate
Federally Insured by NCUA,
p xounmr wpi+ma wu®napxsl POBw3000 R,wladW 221143000
How to Complete the Request for Transcript of Tax Return(IRS Foran 4506-T)
The Request for Transcript of Tax Return form can be subprMad to the IRS to obtain a copy of personal rx business
tax returns on Ne. When comPIMM Sia fpm it Is critical that you complete each section with the same Indentation
,experpears m y Fed reNm for nim, ues4tl lax year(sj. Peoper cnrn^le!ion wY aid the lRS wkh a Wonpt
responea b Navy Fotleral Credit Union.
Please cemplate Imes 1 through 4:Gres 6 through 9 am preAllad
Line ta: EMeryournam wkappeamdmyour=r rn(s). ttpa:fited ajcct rctum,cr the(arrce that
Is shawl AM m the tax return lam.
Line tb: Enter your Social Secunly Number(SSN)that appears on your W reban(s} It a pest tax Mum was
red,.some"SISKofJM III pram appea lig m the M rewm tam.
Uns 2a: EMermmenfspp Nyoutbdajomt Mum. Enbr Ble mmemdappaanmyarmr Mum(s).
Une 26: FsterCp SSN of to lend four pom..
I3na d: Fstar your cunent address. tf ym use a PO Box m ywrcurrant address,b utls R m Ws Ane.
Lines,4: Ester the address shown on the last len reNm Bed If diffident hen the address needed m few 3.
Please sign and cam the bottom of page i of Form 450&T. Tha fpm marl m signed antl datW by de laxpeyer
5sted m lira to m 2a. If ranmt be signetl wph a lkxer dAttmKy. Enwrc that aA appM.sNe 1"vles are
cemplcted helps signig.
IndNMUNa Transcripts of jointly filed tax returns may be furnished m either spouse. Only one signature is
am gig. Slgnc rhud 9Tex he as rade nameapfwpedmtM orgieM retpn. Nyco charged Yarnune;
a15U sign Y.wrtmt name on the same In.
Cc,;lxwsons. EMeryour Empbyp IdenSAcabon Number(FIN)in line 2b N yea request relams to a business
Mum. C.enereAy.F"45WT can be signed h'(1)en officer having legal aulhod(y to bind de norPolatlon,
(2)eery prspr ds gnelad by the buptl of directaB paBlargovemiq hotly.p(3)"officer crerrployeeon
wlMen request by any pringW officer and a essled by the seaeery or other officer.
Parbmershipc. Generdty,Farm 450!!-T can be signed by any person who was a membw oftM pastorship dudng
my pad of the tax Well requestetl on We 9.
For additlonal irshucEms.Please see page 2 of Form 450&T—Request fp Transcript of Tax Reber,
cy�l Nary FN tl WCU JUtaSMe<5p9i(M19)
Occ 0W01 e9 WeIY WM to
Fm.45N-TF Request for Transcript of Tar Return
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MORTGAGE LOAN PRICE COMMITMENT AGREEMENT
ADDFNDVM
You have chosen the Special Look Option as pmt of a turned arrc promotion.
The following conditions affect this Special Lock Option
• The additional charge of Y.of 1%indicated m the Mortgage Loan Price l:ormniment
for the Freedom Lock is not applicable for this Special Lock Option promotion
• This option is available on Conventional,Veteran's Administration(VA)and Federal
Housing Administration(FHA)Ioare that arc purchase transections during the limited
time offer period
• This Special Lack Option is only available for 60 day pricing mmmitmmb on purchase
transactions
• The one-time re-lock for the Special Leek Option is limited to no mate than a maximum
.25%interest nate reduction
• You may,choose In re-lock your pricing cure time during the 60 day commitment period
by callingyour Loan OlTeer. ItisyourresponsiMlitytomonh rthemovementof
interest rates for your loan program said exercise the relock option.All re-locks must
occur at least fourteen(14)calendar days prior to closing.
• This Special Lock Option Promotion applies to locked purchase applications dated on
or before Decenber 31,2016
• Pre-approval Lome dated on or before Decernber 31,2016 require a ratified sales
contract within60` days of the application date
TF\ �IsuTi�
M F YARANON,By:Michell Mases, Date
as At[amey-In-Fact far MARK F YARANON
Date
Date
Date
ooc•:samw raw•: emsaars
Errors and Omissions Agreement
Lender Borrower
Navy Federal Credit Union MARK F YARANON
820 Folli.L. 4826 MARSH HAMMOCKDR W
Viame,VA 22180 JACKSONVILLE,FL 32224-1876
Deb:Ocmber2l,2016 Loan Number:8026708910
Stuc ofFlorida,County/Pi rish/City of muval
Any person or amity signing this Authorization(collectively treated to as the"Harrower"),for and in consideration of
the Lader funding the closing of chit Ian agrees,ifu quested by Land.or Closing Agas for ruder,in fully cooperate
in the coneciim of any problems or dcfccts in any of the lou dacumwtaGon,including without,limitation any mioung
or defective signatures,missing or defective acknowledgments,or las m mfsplved docwtaa,this,Lader Hull in its
reasonable discretion deem to affect its ability to ahem,the loan or the low documents or my interim in my collateral
or rights againrt guarsmors or other person in connection with the Ion,ce its ability to sell,convey,or insrket said ion
to,or mbuin a ewmary of said Ina from,any amity,including but nut limited to an investor,Federal National Mortgage
Association,Federal Home Loan Mortgage Corporation,uowrnmmrt National Mortgage Amnuatio,Formal Housing
Administration or the Department of VNerms Affairs,or my Muniaiysl Banding Authority.
If Fomented by bow,the Rommvd agreaa in cmmply wish all aMwe rvxN request by the 10 wirM1m 10 day,from dare
of sending of said nosiness.Borrower agrees m assmme,all rah btcldbrp by way ofilhmadim sad rot lbniotion,actual
expenses,legal fees and marketing losses far failing to amply with arraction .,.nus in the above noted tune paid.
The Bonower does hereby so agree ad..wot in ender to sen aawm Out lead.shall be able fully in atI..the Iowa,
the loan doeumeam,its interest in any collateral and it,rights aguish gwrwn m other person in commotion with the
loan,and to assure that this low Ooeumadetia execurd this daft will anfomu and be acceptable in the marketplace
in the insels me of transfer,sale or conveyance,by Lender of its insured in and in said low documentation,and to assure
marketable title in the said B...
Borrower
Al. 21f(_
By WdoW Afaslm.,mA.owmy,i J Mite
FucrJbr MARK F URANON
�M� awms�o
w.......,r.aue....�ss. s�.,emrawn-rrowo. �aow
Srme of Florida
C.tyof Daum
Swomlo(maflinm wdsubscribadbem.. CNctob r 21. 7016 bymwdiefim m mmmmry6io-
fact for MARK F YARANON.
N sig.
Primed Naos:
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0",t^S Ef.17A8ETHAmUflPHY
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4ex� a%PnESNoxaniEer2a.E%a
aerlaEa�m
P�rso�mlly Knawn or Produced Identification 2
Tyyc of ldcnfiful Prodeeed:Fl-
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Anti-Coercion Disclosure
Lender Borrower
Navy Federal Credit Union MARK F YARANON
820 Follin Lane 1826 MARSH HAMMOCK DR W
Vicmrq VA 22180 JACKSONVILLE,FL 322241876
Daft:OctDW 18,2016 Loan Number:8026708910
The following statement is repaired under Rule 698-120.002,
FA.C.,ofthe rales and regulations promulgated by
Me Clief Is uaaciel Officer relative to anti-coercion:
The Insurance Laws of this Me,provide that the lender may not require the bomower(s)to tale insumoce through any
Particular imumanne agent or compsay to protect the mortgaged property.
The bmmwer(s)mbjem m rhe rules adapted by the L hied Fumociai Officer,I=the right to have the inum en placed with
an insurance agent or company of histher choice,provided the tympany meNa the rtquirtmenb ofthe landar.The lander
has the right to desigme,reasonable fmanciel requirements as to Me company and the adequacy of the coverage.
I have read Me foregoing suremem,or the mien oftbe ChiefFimncial Offa em reiatve thereto,and understand my/oro
rights and prnilcg:t and these of Ne lender mlawe to the plxing of such insurance.
I have selected Olympus InsumMe Company whose address is PO BOX 100219,Colmnbia,SC 29202 to write the haeard
insurance covering property located at 1201 GLADIOLA ST Atlantic Beach,FL 32233.
Borrower'
-1 IIILN/t IM. 1MG\ e&ex-vro
Its'M,'AwAdrMws,awA✓om*e er.
FxtjbrAGRKFYAR.eNON
twce.r.ur.n awf1°w'o
w.rr.rese aewwwwre:,-mime. ,s„a.
References and Timing Requirements Notice
Leder Borraasaa
Navy Federal Credit Union MARK F YARANON
820 Folli.Lusa 4826 MARSH HAMMOCKDR W
Vienna,VA 22180 JACKSONVILLE,FL 32221-1876
Dab:Ocmber Ig,2016 Loan NtUnbw..8026MNIO
Thu nudes I.heingpmvided W you iocaee_sey dorampuv(s)vuu.rauive requ'urd.I Y eppluaOW taw w reguladui mulnin
Outdated references and timing requiremena.
Due W changes in applicable Federal law,references to eatain disclosures in the documem(s)may no longer be accurem.
Under Federal law the
•"Goal Faits Fdi-sie'is repluemi with the'I.om Fsmse s"
•'Tm h in Lending D&closur "given at time ofapplicadon is replaced whin due^Lout Fstimme"
•HUD settlement coa booklet'Sbopping for Your Home Lusn"is replaced with"Your Home Loan Toolkit"
•'HUD-I"md'HUD>IA"ma repixedwiM Oc"Closing D'eelasore°
•"71uth in Lending Disclasme"given m obsing is replaced with the"Closing Disclosure'
In addition,under Federal law,certain timing requirements have changed.In geemal:
•Yarn interest mft and fas will be set no later Man three business days prim W dre a mmm rmmm dao,,Check with
your lender W m dirm whd w Om loan eonmmmndov date is the same or different than the closing daft.
•v a.a;uwum wsmo
ver. ems s,.,o,s,ar..,e,.mmr s•s,,.r
Notice of Special Flood Hazards and Availability
of Federal Disaster Relief Assistance
Participating Communities
Servicer Bormver
Navy Federal Cretin Unice MARK FYARANON
820 Follin Lane 4826 MARSH HAMMOCK OR W
Vienna,VA 22180 JACKSONVILLE,FL 322241876
Date:October 18,2016 Loan Number:8026705910
Property Address:1201 GLADIOLA ST,Atlantic Bach,FL 32233
We are giving you this notce m inform you that
The building or mobile home securing the bra for which you have applied is or will be IocYad in an ora with special
flood harards.
The mea has ban identified by the Administrranr of the Federal Emergency Management Agency("FEMA')as a
special flood hazard Area using FEMA's Ffoadbsrurarce Rae Map or the Flood XmmalBotaday Map for the following
comwuoty'.ATT.ANLICBEACIf,CITY OF.l2t107i TLismabasaosepaceat(144)chauaofs fk d,,.l to,a.
cacocding the base flood elevation(a 1011-year flood)in Any given year.Doing the Itfe ofa 30yearmortgage loan,the
risk ofa 100-year flood in a special flood luard ora is 26 percent(26X).
Federal low allows a lender and borrower jointly W request the Administrator of FEMA to review the detemimtion of
whether the property scouring the ban is Ixaied In a special Food beard sena.Ifyvu would tike be make such a request,
Platt contact to for furter bhfamaton.
The community in which the property starring the loan is located participate;in the National Flood firs. .e program
(NFIP).Federal Inco will no allow no W make you the Imendue yea haw applied far if you de,not patch.flood
in the pro The flats inseam:.leas es meinmurim for the Life u the ken. d ynn fail to Purchase or renew find insurance
on the Property,Federal low authorize andagama us m purchase tlhe flood insuarrce for you at your espeou.
•At a minim..flood inauara<purchased most cover the lesser of.
(()tin uutsfmsdiug N i iqW WLn.e.1711.basscm
(2)the maximum amount of covenants allowed for the type of property under the NFIP.
Flood imuance coverage under the NFIF is limited to the building or mobile home and any personal pmpmty that secures
your Ian and not the land itself.
•Federal d'uasur roliefassislerne(usually in the form ofa low-interest len)may be available for damages incurred in
aces ofyour flood insurance if your community's participation in the NFIF is in accordance with NFIF requirements,
•Although you nay rot be refused to maintain flood'uuuarce on all sm etmes,you may still wish to do so,and yea
mortgage kMer may sell require you bdo so to Prosect the collateral securing the mortgage.If lum choose rot b
maintain Flood insuana on a mama and it floode,you am aspo..ibic for nil flood losses miming to that smemc.
Availability of Private Flood insurance Coverage.Flood imuance coverage under the WRP may he purchase]
through an insurance agent who will obtain the policy either directly through the NFB or through an insurance company
that pattkipstes in the NFIF.Flood insurance that provide the same bvei ofcoveage as a standard flood insurance policy
under the NFIP may be available bran private insurers that do ret paticipee in the NFIP.You should ampere the flood
insurance coverage,deductibles,exclusions,conditions,and premiums associated with flood iremuice policies issued on
bdnalfof0n NFIF and policies us"w W.117 of private iustu.csutu nies uud wut on inwronce agent as to the
availability,cost,and comparisons offlood insurance coverage.
Eaerow Requirement for Residential Loma.Federal law may require a Lader or its servicer to escrow all
premiums ad fes for flood insmmce that covors arty asselmual building or mobile home se..foga Farm the is bated
con..�..,......wr.....ew sce.ewr awe."au,atasew ny,:aa
in an arta with special Band hanrte.Ifyour lends notifies yon Mat an eauow a¢ount is required for ymu kwt,then you
mud pay your Bwd'wsmm.m premiums and fees W the lander s its sunk.with the acw f lococy a you cask.bun
payments fm the darativn of your loan.
These premiums and fees will be deposited in the escrow account,which will be used fo pay the flood insumnce provider.
Acknowledgment by Boar mar.Bore er(s)epees to fumish,st Bonowees espenu,no acceptable copy of(1)
application for flood insurance and(2)newipt ofpremium paid saf sfying Lendets tequhmnenb on or hot=cbsing of
the above referenced ban and muintain such coverage until the loth is paid in full.fhhvsy,and receipt of this amino is
hereby acknowledged.
Borrower
Ry. AshOk.lf Mmras,m Aurum Ino
Fmjtbr ANRR F YARANON
YAP sHONNG ROU)MARY AND rwnc-As-au¢r SVRVBr
OF Lor o mow 211 As snow ox YAP of
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ALL AMERICAN SUHVE)'ORS OF FLORIDA,
INC.
- -..m.._��.�.. IN
I WE-
ARM
-
..
Prepared by.
Beth Murphy
liichud T.Morehead Tide a E.,Inc
444 1hhd Sund
Neptuna Bwch,Florida 3226d
File Number 168]014
General Warranty Deed
Mede mu October 21,2016 A.D.By Thenen L lady,a dngl person,whom post office eddrees W.522 Davu Sven,Napome Beach,
Flarida 31266,haehnaas edkd the gteomr,b Me".Vaianan,whore port office addrue u: 1201 Gladioli Street,Adandic Basch.
Florida 31233,hereunder alld the yansae:
(wlvawuJbw I .•emtY ra4'natlw'fume Ivrcw mi[4tYma vtl Me 1e1r.k01¢Prreep+u W®IPJ
_ 4i.wen,wa me renews me voce armgniw.l
Witaueelh,rhessbe.8t+ms,r.fmsadinsnuitlewimaf5iewnnf rra.UOBan,fYto.OD>ek abler vawaNe aOnsaaviom.
811 pier whereof a hes br me
M"dged,hW Wy goon,Wrgaim,aelh,alunm,ewnirex,relv,w,wnveyx and ennfimm unto she tmmsee,
all thn asnin lad sonata m Duval Caumy,Florida,vI:
Lot 6,Black 211,Section"H",Atlantic Beech,according to plat thereofraeorded in Plot Book I S.page
34,of the current public records of Duval County,Florida
Penal ID Number:17107-M
Together whh all the mnenenn,herediramenrs end appmmnencu therein bWonglg or in anywise appennhning.
To Have and n Hold, the save in n e$ngk Rover
And the tracer hereby covenants wier mid®mss that the garter Is IPhlly seized of and lend in fee simple;dot the gartor
has good right and hwhbl authority m sell eM convey said Ind;that the gnaw hereby fully weneaatha title w said Ind nd will defend
the.vee aguma the IewfW cleina of ell pemm whomsoever, aM dm not lard il fiee of ell ercumbrenaa caveat sexes aero ing
subsequent to December 31,2016.
D2ED WIeWtl WwrnrD¢4-tgYm Fv
Prepced by:
Beth MmPhy
RiUmrd T.hl 4 dTiekR Eii o 1.
444 Third Sams
Neetwe Beep,Fbdda 32266
Fd4Nampe;. 16B2014
In Witme9 wheCe6S, tlreuid g{aala pb siaaed MW seelWl lhaw peams ehe day and yeae first auora wntron.
Signed S seafedaaddeflveredh,w perace:
WI R..II/�Py }yri�Et k'�!f eeam/4li6
Msec m m.s wyNegme Bucn,Flora.RE66
Seal)
n:r U.1L��.� A nr{A[LOVI 6asec
Sora of Florida
cnumy n{(hrval
�eB^p'R meaimlemw vJuwW6dMp 6eRle me tlde 2lnday ofOcm ,m,,MI6,by mm L.Rad whs iv/ye pmMwalty brown
mvleawbaM wvducM U[ry a ISF uWMrtfRcelian.
nw 9.
ab,c�mweu c.w.+:
MTN- F1p SBAMURPHYsa�s+
OEM WwiG Wy ptd- JMFy
t1tA�1(
� a Mortgage or Fixed Equity Loan
Credit Union Easy Pay Authorization 1.reply rated id:
October 18,2018
8028708910
MARK F YARANON
4826 MARSH HAMMOCK DR W
JACKSONVILLE,FL 322241876
Ret
1201 GLADIOLA ST
Atlantic BONA.pit 32233
Dear Member(,):
Navy Federal Credit Union offers you the convenience of adomaticolry,deducting your mortgage or fixed
egUity 103h paymm119 ffOm q of your aCCOVn15 at WB y FldEtal nr an M ,nvt at errothw nneno.l
Insltutlon each moth. If you wood Bre to sign up for Emy Pay, please compete IM brm below and
mail it M: Navy Federal Credit When, PO Box 3302, Mantled, VA 221193302.Or,you may lax this
form to m at 703-2063108.
I authorize to have my mor[ga0e or equity ban payment automatically deducled from:(Phase ch000e ox.)
fJ Navy Fade Credit UMon
Acccu4 NraMMr 301306620 (You mwf lro tlrowmnortMkomwrdfN9 accorwrt)
❑ Another Fbanciaiumabtlan RwaMpotlda tla YaaauapaYonnaBan.)
Nemo of Financial Imlhrlon
Routing(Tran9t or ABA Number(9 digits)
Account Number (Youmutl0,dwowaworpywowa,am accnur4)
Name(s)on Account
Type of Account ❑ Checking ❑ S-WW
Your payment can be deducted any day beleman the tet and 10th d each month. If that tlde falls on a
vvaekandmhdkay,ya paymwdw0ibedeductWanM Mlvingbusinemoay. ono dalesphovided,
your payments oust be deducted on the first d won month.
Pi.select a month ant dab 4th
Mob: Al paymente due b0ore this ngmh round be paid!P,nor b the ft%scheduled aubralc dedholion
from your account It any prior payments am aNl due at that lima,the automatic deduction will not eccur.
opliene:AdhMbral tuincpai paymerda den died be deduced,along with your mgdW Mhftpvy,,&,
from your accmmt each motor. prlhdditi payments p!o reduce the amount d inteleat You went pay on
this ben. It you woob ma
d like
ake adilMral pnnupdal payments each month
membe ,please beicah to amount
below. Rer-thiomo
aunfis/n atldmonroyour rvgular monthly payment
optional WOMdnd principal amount $
If you wish to make changes or stop autartate deductions,you may do ad od'aM via Navy Federal
Onix'AxdaltAaxas at navybdemLorg orbycd8hg hu hok-them"at 1-8804424MIS.Mandey
Nrough Sat rda�,700 dry M 12:00 am,Ea den,Tine
la, w �V IM.i,&QLrj� � �IceTL
redonarorjointowmraf bahboorrt Wdebeed Data
DOei: Wr1T LMrIk 110257051010
aaaux.w raw PO Bm 3000 Menieq
awnu M1+o VA22119-3000
NCA^V�Y0 MORTGAGE BRAN PRICE COM111ITASEIPT AGREERffifT
FEDEpNAVY FFAFRAL LT®T NKN
Credit Union 33303Yr pgc W p or
MARK F YARANON Pennmle,FL 31526
48MMARSHHAMMOCKDR W 6xMlRamepTARNa.
3ACKSONVIIA.F,Ft. 322241916 3026T089 0
NMMr1MEHr 67
09222016
.....x.:
Thank you for your application fora mortgage loan with Navy Federal Credit Union. if credit,employment,income,
asset;Property valuation,Property condition and title conditions meet lording guidelines,You will be approved for a
mortgage ban with the ftdkmivgimna:
Loan Pmgnm: Cam 30 yr Pad
Date of Application: 09/132016
Loa Amoanr =W mL-
T.- 360 asaahs
Inacrem Rama: 4.675%
Dimormt Points 0000%
Origina0on Fee: kdWal
I.to Value(LTV): 95.000%
Property Address: 1201 OLADJQL ST
Atm&Beach.FL 32233
To provide you with timely required disdmures,you mart lock your interest rate and/or discount polom m(cast f rbm
(14)calends,days before the closing data
® Lock in Linen Terms-You have chosen b"lock in"Ow loan terms shown above. By choosing this option you ban
will cwt close at an intaest mm acdlo dismunt points lower than those locked,even if market interest rates and/or
discount points decline.
Q
Roast to Loch•-Solent this option if you do not haw a signed sales mneat You bove ehoreo b allow the insert
cote end/or discount pohus b final with the market. You must lock in your interest mas=&or discount points at
Inst founeen(14)calendar days before the closing date.In the event you do not cons na us o lock your loan fouttedc
(14)=lead.days Prim to dean acPhadon doe,the interest raft and,'ordiamond Forms cffbOiw ndeet date will be
used to lock your loan.By selecung Mia option,Navy Federal does not guarantee a specific interest rate mdror
discount points. Once you have a signed sal"contract,please contact you loan officer about locking in can
ausec st Was
Freedom Lack'-This ophm allows yon to raImA your intescl one ardor discount pouch,sbmM they dechnq
Moredtimeduring You the
aw-ty-a dPeriod. You con"ereiae your loianuptoan(14) Iendarlmdaprior
Morantheclosingdote. In the eventyoudo na mcoun points to-locl yourben fourteen(14)glecdcdayspilono
Meelating dare,the abov ,mer"t cote un boun/or discount of %for
the din this Lock
lhisfic . Tke
origination fed showy above,represents an bouncers he k of ss too Me Freedom Lock Option. This fee is
,r.gnoon- ad ca.ne is yhe ne-6 1s pauity to monitor the movement le int Vast . end dtemont p(VA flo ns. ben
progcem and"eccise the re-bck option This option u alt available on Veterans Adminislmtim(VA)toms.
You mount change the Price C=naitnwcl Option)our selected at the rinse of applicslmct.
'The final interest to m your ban will be,based upon financial market conditions,mortgage ban produm,specific
acquirements of your loan barmaction such as the loan to value ratio and your credit profile up to the one of closing.
Your interest rate and discount points shall be determined by the Prim Commitment Option you selected above,Providing
seWementoaurs by the capitation ofthis Prim Commibnen[Agrtenwvt, 11212016 . Ifthebandmsrwtcloseenm
W.tion expimtim dote,yen will be offered a arca price comneitnrent at
your cmrmt locked interca me sad discount
points or m Navy FedenPs prevailing interest mass cad diamond polus for your Ian program,whichever is higher,
Ifyon have taloned the lack or Freedom Lock options in a previous Prim Commitment,yen will alt be able an select
the Fleet m Lock Optionor a subwquem conmimen w oke adv:Sege of ower loomed rmaaudlodiscount power. If
xeiwtd the Frenhms 1.wk optbo previ.wsly and wish In do so in a xu\'eyueni Prove Ca nnnuncnt,you will be
inquired to pay another V of l%fee.
ifyom application is cancelled or withdrawn for my«assn,you will not be able m reapply for fimocing on the asure
property for 30 calendar days from the dao efeas cell.tim and you will finials any feta mlleeted. It is understood Met
Navy Federal and the borrowers)will work diligently and cooperatively to bring the loan to an expeditious seltlament
(time being of the essence). Navy Federal is alt r"pouaible for Me RompM"s of the actions of third parties.
This Commitment Agreement does nm constitme an approval ofymr loin request Shoud yen bare any questions,
please tall me at(877)573-2324.
Ti.log
Mortgage loan Officer
P^' J Loan Originator ID 0623222_ �rtr xrr V.
LaLaltA
7.. �4rtFa 04 otarc
4A
w.Signature /Co-Bonowec5 Signature NFCU Account 0 Dam
M712 PLEASE SIGN AlV RETURN THIS AGREEMENT UPON RECEIPT wy6.ysla
"'Please see atlacbed Addendum''`
NAVY
F�+sEE�D��P..E4RpA1ML
Vfedd Unim MORTGAGE LOAN APPROVAL
MARK F YARANON am
4826 MARSH HAMMOCK DR W Comber 19,2016
JACKSONVILLE,FL 322241876 aroerpsmcoaxan
8026708910
Dear MARK F YARANON,
Navy Federal k Pleased on advise you that your OPplbation for a fiat m.119W bur to beer approved,
subject to the following terns and conditions:
Property
Address: 1101 GLADIOLA S<,AOndc BeuA,Fl 32233
Saks Price: S 291500A0
Downpaymenb S 1457300
Type of loan: 9gLitorponad Fined lime
Loan Amount: $ 27692500
Interest Rah: Loen Approved a4975 %
Term: 360 Months
I can Origination Fee: $ 0.00 0.000 %cf Loan Amount
VA Funding Fee: S 0.00
Discussant pours: S 0.00 0.000%oft.Amount
Navy Federal shall have he right m withdraw this cormdbnent should the firms of he application as submired
and approved h changed withmrt he prior Imowkdge and approval m Navy F d.L
Inlesest RatwDiscoaet Point ComurduccenL if you p avipniy chose In Innis in the inherent rare and discount
points offered fur this loan,your pricing commihnerd fur his"pricing^expiva 11212016
If,aUI.t don not occur by this date,your ban easy be subject In mmbrn®ion for approval.
payments. Payments, except for biweekly repayment bans,will begin on rise Rost day of he second morrh
following disbursenxnt and mbsequem payments will be due on the fust day of each month.
OCC1: W., M1 Iota 1p 1: VM7W J0
The Following Irons Art Needed By Navy Federal 14 Working Days Prior to Satlement:
From your SeWemmtlFxrow Agates:
1. Tide Bidder
2, Survey,ifaleplicableforyowtransadion
3. Closing Protection Legar
From your Insurance Agenr.
4. Hazard I.eurmrce and paid mceipl
Mortgagee Clause k Read:
Navy federal Credidibude,audlorita suaerorsand ad gue
P.O.Box 100598,Flomnee,SC 29502-0598
(Ifo Condominium,a Certificate oflnsumnce is required from the Condo Association)
From your Rest RSNte Agates or Builder:
5. TennitrJSoil Treaona.I Gue robse,ifapplimbla
Credit approval subject b:
1. If closing by PowerofAmoducy please dircuse with your Loan OB rayfpmc®or immedumly as additional
requireme.0 may be necessary.
2. Lmnsrcumdbycondomkiwnsmquimthattheprojcdbeappmvedpdortosettemmt.Msximumfinancing
may ret be arailable on all projects.
3. Maximum featuring may not be available ifproperty is located in an arm that her an over supply of
properties for sale and/or declining marker values. The mavimum loan amount is based an the sees price or
appraEed extra,v h"haver is lass¢.
4. Tbc subject Propemy n be'vr ova"'evaage'ceuditim,k additkm any mpm.noted en the appmial
mus[be completed prior to settlement even ifthe appraisal does not condition for the repairs.
5. In addition m the slanderer verifrcstkn ofempla)vnent and income,loan approval is subjttt to s flesh rerbsl
salthdreat of employment borrowers
inindepelemanthiraladedyarde.rs,end within 30 days priorro
salkment for self-employed bonowens from an independent third Arty source.
d. Loans that may require Private Mortgage Insurance am subject to approval by the Mortgage Innvance Co.
This kenapprovalletterrepresens Naw Federal loan approveronlyandkratague ofapaovalbys
Private Mortgage Insurance Company.
Plmee acknowledge your scceponm of this commitment by signing where indicated and returning this
handle.
Navy Federal is pleased m provide this service to you. If there arc questions comax ming your loan that
cannot be answered by your procamdcloa,phase wasters me.
SkcereAy,
Loan Officer Tun loll Supervisor M.Bulgy
Telephone: ([MM3 2324 Telephone: (90a)TN-1748
TO schedule losing Ng list ofine nn seeded In,elosbng,allyorepadamat lmm.
RA�--^f tivt`^^^-i� alu-`tt.
ACCRPFRB: A. (�ry ��tw—fY ju,,TIb
-`•'1 Bonmwa s,g.remee �T Dee
Bmmwasigvtum
v
LLF Federally earned by NWA
6 b'15 tWets? eyex«x tnwa: smsNwla