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Home My WebLink About4370 Jay StreetFrom: no-reolv(alci.wheatridae.m. us To: CommDev Pets Subject: Online Form Submittal: Electrical Service Change/Upgrade/Electrical Work Permit Application Date: Friday, May 28, 20216:54:28 AM Electrical Service Change/Upgrade/Electrical Work Permit Application This application is exclusively for RESIDENTIAL ELECTRICAL SERVICE CHANGE OR UPGRADE (200 amps or less). YOU MUST ATTACH A VALID CREDIT CARD AUTHORIZATION FORM IN ORDER FOR THE PERMIT TO BE PROCESSED. Your Permit will be emailed to the email address provided below once it is processed. THIS APPLICATION DOES NOT CONSTITUTE A PERMIT. DO NOT BEGIN WORK UNTIL PERMIT HAS BEEN ISSUED. Is this application for No electrical service change or upgrade - 200 amps or less? PROPERTY INFORMATION Is this Residential or Residential Commercial? Property Address 4370 Jay Street Property Owner Name Thorson, Jeri Property Owner Phone Number (enter WITH dashes, eg 303-123- 4567) Attach City of Wheat Ridge Electronic Payment Form - "DO NOT ATTACH A PICTURE OF A CREDIT CARD" 303-472-6803 CONTRACTOR INFORMATION Contractor Business Complete Basement Systems Name Contractor's License 60125 Number (This is a 5 or 6 digit number for the City of Wheat Ridge) Contractor Phone 720-507-2711 Number (enter WITH dashes, eg 303-123- 4567) Contractor Email cbs.permits@completebasementsystems.net Address Retype Contractor cbs.permits@completebasementsystems.net Email Address DESCRIPTION OF WORK Scope of Work add 2 -outlets for triple safe sump pump Location of work crawlspace (garage, house, etc) Provide additional n/a details, if needed. Project Value (contract 1080 value or cost of ALL materials and labor) SIGNATURE OF UNDERSTANDING AND AGREEMENT I assume full Yes responsibility for compliance with applicable City of Wheat Ridge codes and ordinances for work under any permit issued based on this application. I understand that work Yes may not begin on this property until a permit has been issued and posted on the property. I certify that I have Yes been authorized by the legal owner of the property to submit this application and to perform the work described above. I attest that everything Yes stated in this application is true and correct and that falsifying information in this application is an act of fraud and may be punishable by fine, imprisonment, or both. Person Applying for Greg Knapp Permit Email not displaying correctly? View it in your browser. 1* � � i City of Wheat Ridge �� Residential Electric PERMIT - 202101132 PERMIT NO: 202101132 ISSUED: 05/28/2021 JOB ADDRESS: 4370 Jay St EXPIRES: 05/28/2022 JOB DESCRIPTION: Add 2 -outlets for triple safe sump pump in crawlspace *** CONTACTS *** OWNER (720) 744-2790 KEELEY JERI L SUB (303)805-8751 RODNEY MARTIN 060125 COMPLETE BASEMENT SYSTEMS *** PARCEL INFO *** ZONE CODE: UA / Unassigned USE: UA / Unassigned SUBDIVISION CODE: 2405 / BARTHS, COULEHAN GRANGE, WHEAT BLOCK/LOT#: 0 / *** FEE SUMMARY *** ESTIMATED PROJECT VALUATION: 11080.00 FEES Total Valuation 0.00 Use Tax 22.68 Permit Fee 46.90 ** TOTAL ** 69.58 *** COMMENTS *** *** CONDITIONS *** Must comply w/ 2018 IRC & 2020 NEC . Subject to field inspection. I, by my signature, do hereby attest that the work to be performed shall comply with all accompanying approved plans and specifications, applicable building codes, and all applicable municipal codes, policies and procedures, and that I am the legal owner or have been authorized by the legal owner of the property and am authorized to obtain this permit and perform the work described and approved in conjunction with this�permrt. I further attest that I am leg ally authorized to include alI entities named within this document as parties to the work to be performed and that all work to be performed is disclosed in this document and/or its' accompanying approved plans and specifications. Signature of OWNER or CONTRACTOR (Circle one) Date 1, This permit was issued based on the information provided in the permit application and accompanying plans and specifications and is subject to the compliance with those documents, and all applicable statutes, ordinances, regulations, policies and procedures. 2. This permit shall expire 365 days after the date of issuance regardless of activity. Requests for extension must be made in writing and received prior to the date of expiration. An extension of no more than 180, days made be granted at the discretion of the Chief Building Official and may be subject to a fee equal to one-half of the original permit fee. 3. If this permit expires, a new permit may be required to be obtained. Issuance of a new permit shall be subject to the standard requirements, fees and��procedures for approval of any new permit. Re -issuance or extension of expired permits is at the sole discretion of the Chief Building Official and is not guaranteed. 4. No work of any manner shall be performed that shall results in a change of the natural flow of water without prior and specific approval. 5. The permit holder shall notify the Building and Inspection Services Division in accordance with established policy of all requ�ired inspections and shall not proceed or conceal work without written approval of such work from the Building and Inspection Services Division. 6. The issuance or granting of a permit shall not be construed to be a permit for, or an approval of, anviolation of any provision of any �pplicabje code or any ordinance or regulation of this jurisdiction. Approval of work is subject to field inspection. 05/28/2021 Signature of Chief Building Official Date REQUESTS MUST BE MADE BY 11:59PM ANY BUSINESS DAY FOR INSPECTION THE FOLLOWING BUSINESS DAY. !.i CITY OF WHEAT RIDGE . Building Inspection Division (303) 234-5933 Inspection line ____��97(303) 235-2855 Office • (303) 237-8929 Fax INSPECTION NOTICE Inspection Type: q03 F F R Job Address: 11370 T 5t Permit Number: 20/ 8O L?,G% � ❑ No one available for inspection: Time �'AM/PM Re -Inspection required: (!es) No When corrections have been made, call for re-inspection at 303-234-5933 Date:I6) Inspector: ) _7 T DO NOT REMOVE THIS NOTICE City of Wheat Ridge Homeowner Electrical PERMIT - 201802073 PERMIT NO: 201802073 ISSUED: 07/24/2018 JOB ADDRESS: 4370 Jay St EXPIRES: 07/24/2019 JOB DESCRIPTION: Installation of sub -panel with GFCI breaker for sauna 50 AMPS *** CONTACTS *** OWNER (720)744-2790 KEELEY JERI L *** PARCEL INFO *** ZONE CODE: UA / Unassigned USE: UA / Unassigned SUBDIVISION CODE: 2405 / BARTHS, COULEHAN GRANGE, WHEAT BLOCK/LOT#: 0 / *** FEE SUMMARY *** ESTIMATED PROJECT VALUATION: 1,250.00 FEES Total Valuation 0.00 Use Tax 26.25 Permit Fee 53.70 ** TOTAL ** 79.95 *** COMMENTS *** *** CONDITIONS *** Must comply w/ 2012 IRC & 2017 NEC. Subject to field inspection. I, the property owner, by my signature, attest that I currently reside at the project property, intend to reside at the property for a period of one year after completion of the project, and am personally performing all work, without the assistance of hired or professional workers. If professionals are hired, those contractors are licensed with the City of Wheat Ridge and are listed on the permit. Consultations and inspections will only be performed with the homeowner of record present. 1, by my signature, do hereby attest that the work to be performed shall comply with all accompanying approved plans and specifications applicable building codes, and all applicable municipal codes, policies and procedures, and that I am the legal owner or have been authorized by the legal owner of the property and am authorized to obtain this permit and perform the work described and approved in conjunction with this enmrt. I further attest that I am legally authorized to include all entities named within this document as parties to the work to be performed and that all work to be erfor isclosed in this document and/or its' accompanying app/roved plans and specifications. Signature ofR or CTOR ( ircle one) Date 1. This pe sued based on die informa on provided in the permit application and accompanying plans and specifications and is subject to the compliance with tho e docu ents, and all applicable statutes, ordinances, regulations, policies and procedures. 2. This permit shall expire 365 days a e date of issuance regardless of activity. Requests for extension must be made in writing and received prior to the date of expiration. An extension of no more than 180 days made be granted at the discretion of the Chief Building Official and maybe subject to a fee equal to one-half of the originalpermit fee. 3. If this permit expires, a new permit may be required to be obtained. Issuance of a new permit shall be subject to the standard requirements, fees androcedures for approval of any new permit. Re -issuance or extension of expired permits is at the sole discretion of the Chief Building Official and is not guaranteed. 4, No work of any manner shall be performed that shall results in a changeof the natural flow of water without prior and specific approval. 5. The permit holder shall notify the Building and Inspection Services Division in accordance with established policy of all required inspections and shall not proceed or conceal work without written approval of such work from the Building and Inspection Services Division. 6. The issuance or granti g of a permit shall not be construed to be a permit for, or an approval of, an violation of any provision of any applicable code or a or regulation of this jurisdiction. Approval of work is subject to f any inspection. is Signature of Chief Building Official Date REQUESTS MUST BE MADE BY 11:59PM ANY BUSINESS DAY FOR INSPECTION THE FOLLOWING BUSINESS DAY. City of' WheatRidge_ RECEIVED Building & Inspection Services Division 7500 W. 29"" Ave,, Wheat Ridge, CO 80033 'JUL 4 2018 Office: 303-235-2855 * Fax: 303-237-8929 Inspection Line: 303-234-5933 Per Email: pj,, jLs FFC�ftOFIFICE USE ONIN ate: q.1 r, plarilpermit # Plan Review Fee; *** Please complete all highlighted areas on both sides of this form. Incomplete applications may not be processed. *** Property Address, __j 66014 Property Owner Email:_M5k otSori. Mailing Address: (if different than property address) City, State, Zip: Architect/Engineer E-mail: Phone: Contractors City License #: Phone: Contractor E-mail Address: M Electrical: Plumbing; Mechanical. W.P. City License. VV,R, City License # W.R. City License # Other City Licensed Sub: Cither City Licensed Sub: City License # City License # Complete all information on BOT11 sides of this form 2195 Q COMMERCIAL g RESIDENTIAL wK . =Mum,.s1 [� NEW COMMERCIAL STRUCTURE ELECTRICAL SERVICE UPGRADE NEW RESIDENTIAL STRUCTURE COMMERCIAL ROOFING COMMERCIAL ADDITION RESIDENTIAL ROOFING RESDENTIAL ADDITION D WINDOW REPLACEMENT COMMERCIAL ACCESSORY STRUCTURE (Garage, shed, deck, etc.) RESIDENTIAL ACCESSORY STRUCTURE (Garage, shed, deck, etc.) MECHANICAL SYSTEM/APPLIANCE REPAIR or REPLACEMENT (J PLUMBING SYSTEMIAPPLIANCE REPAIR or REPLACMENT ELECTRICAL SYSTEM/APPLIANCE REPAIR or REPLACEMENT" Q OTHER (Describe} (For ALL projects, please provide a detailed description of work to be performed, including current use of areas, proposed uses, square footage, existing condition and proposed new condition, appliance size and efficiency, type and amount of materials to be used, etc.) DF SVS fa,,( 5aA 5q. FtJLP _. - _... _.. -_ .__.._._.. Btu's Amps _ Squares kJ( G-Zf'cG ( T3 e.t Gallons Other Project Value: (Contract value or the cost of all materials and labia inclined in the entire project) t %VNERICY)lti`l RAf"`I`OR SIGNATURE OF UNDERSTANDING .<t,ND AGREEMENT I hereby omify that the setback distances proposexi by this pen -nit application are accurate and do not violate appl€cable orchnanaes, rules or regulations of the City of lVlaeat Ridre of a'ekvenaant . czsemests or restrictions ofr",ord that all measuremenis shotivn and allvgni ons nlade are aecta-ate, that l have read and agree to Aline by all cc,rlditions printed on this application and thm I assume full responsibility fter compliance with applicable Citi clf Wheat Ridge codes .and ordinances f 'a, work under any permit issued based oil this application: (hilt l lain the legal Owner or have; been autb i i ,ed by the katal owner of the property to pei i>nn the described work and am also author red by the legal owner of ary entity included on t.lais application to list that entily on this, application. CIRCLE0AE: {'()i1'Yti% fCONTRACTOR) grof (014r ER) (C°O TliACt'i0R) P IN-`- NAME -a# _.j as �soyJ _. _. _ - ](,NATURE- DEPARTMENT (,NATURE: DEPART NT USE ONLY ZONING COMMENTS Reviewer. BUILDING DEPARTMENT CCIMENT S Reviewer PUBLIC WORKS COMMENTS Reviewer UUMMiNAW110711imm •- la'SZ Per 13vA Fire Department 0 Received t_J Not Required Water District n Received c_,i Not Required Sanitation District ❑ Received ❑ Not Required QAT'F- OCCUPANCY CL ASSIFICADON. �...�._. TYPE OF CONSTRUCTION _ SPRINKLE£*'ED— _ ___ _--_--_ Building Division Valuation: S—x4m--1 City of Wh6at jiSd e COMMUNITY DEVELOPMENT Official Certification of Property Owner Permit THIS IS TO CERTIFY that I, the property owner, by my signature, attest that I currently reside at the project property, or intend to reside at the property for a period of one year after completion of the project, and am personally performing all work, without the assistance of hired or professional workers, or, if hiring sub -contractors, list them on the permit. Consultations and inspections will only be performed with the homeowner of record present at the project property. Property Owner(s): Project Property Project Type: State of Colorado } County of 3-eaaT5 } ss i VK The foregoing instrument was acknowledged by me this �? day of _ �, 20 6- by ►�'1a.-}-�1-1.��..>`11,.�� Sir, . TAMARA D ODEAN NOTARY PUBLIC STATE OF COLORADO NOTARY ID 20164015481 MY COMMISSION EXPIRES APRIL 22, 2020 My Commission Expires �/ a� ,20Z Notary Public iSr SPA- i CITY OF WHEAT RIDGE Building Inspection Division (303) 234-5933 Inspection line (303) 235-2855 Office • (303) 237-8929 Fax INSPECTION NOTICE ,-) Inspection Type: Job Address: /-/-)/0 Jcr, fi Permit Number: 91_0/700c fpl ❑ No one available for inspectnnime / �'// L!I (/(/AM/PM Re -Inspection required: Yes When corrections .((a've been made, call for re -inspection at 303-234-5933 Date: /O' Inspector: 1// q DO NOT REMOVE THIS NOTICE i CITY OF WHEAT RIDGE Building Inspection Division (303) 234-5933 Inspection line (303) 235-2855 Office • (303) 237-8929 Fax INSPECTION NOTICE Inspection Type: -3 ® (- - M d Job Address: 3-7D =:j4 S �- Permit Number: 'Q' 0 / 7 a 0 � S rn - er`,I_r,Ie LJ No one available for inspection: Time' AMTI Re -Inspection required: Yes No When corrections have been made, call for re -inspection at 303 -234 - Date: -14 1130/ 0i / 6 Inspector: `TJ DO NOT REMOVE THIS NOTICE City of Wheat Ridge Residential Roofing PERMIT - 201700682 PERMIT NO: 201700682 ISSUED: 05/16/2017 JOB ADDRESS: 4370 Jay ST EXPIRES: 05/16/2018 JOB DESCRIPTION: Reroof - tear off to decking - 1 layer exists - 32 squares - install new Owens Corning 30 year dimensional *** CONTACTS *** OWNER (720)744-2790 THORSON JERRY & MATT SUB (330)400-0101 Jerry O'Connor 100172 Ultimate Roofing, Inc. *** PARCEL INFO *** ZONE CODE: UA / Unassigned USE: UA / Unassigned SUBDIVISION CODE: 2405 / BARTHS, COULEHAN GRANGE, WHEAT BLOCK/LOT#: 0 / *** FEE SUMMARY *** ESTIMATED PROJECT VALUATION: 10,000.00 FEES Total Valuation 0.00 Use Tax 180.00 Permit Fee 204.30 ** TOTAL ** 384.30 n ( gg *** COMMENTS *** *** CONDITIONS *** Effective December 1, 2014, asphalt shingle installations require an approved midroof inspection, conducted when 25-75 percent of the roof covering is installed, prior to final approval. Installation of roof sheathing (new or overlay) requires an approved inspection prior to installation of ANY roof coverings and is require on the entire roof when spaced or board sheathing with ANY gap exceeding A1/2 -inch exists. Asphalt shingles are required to be fastened to the roof deck with a minimum of 6 nails per shingle. Ice and water shield is required. Eave and rake metal is required. A ladder extending 3 feet above the roof eave and secured in place is required to be provided for all roof inspections. Roof ventilation is required to comply with applicable codes and/or manufacturer&4Crms installation instructions, whichever is more stringent. In order to pass a final inspection of elastomeric or similar type roof coverings, a letter of inspection and approval from the manufacturer's technical representative stating that "the application of the roof at (project address) has been applied in accordance with the installation instruction for (roof material brand name) roof covering" is required to be on site at the time of final inspection. City of Wheat Ridge Residential Roofing PERMIT - 201700682 PERMIT NO: 201700682 ISSUED: 05/16/2017 JOB ADDRESS: 4370 Jay ST EXPIRES: 05/16/2018 JOB DESCRIPTION: Reroof - tear off to decking - 1 layer exists - 32 squares - install new Owens Corning 30 year dimensional I, by my signature, do hereby attest that the work to be performed shall comply with all accompanying approved plans and specifications, applicable building codes, and all applie ble municipal codes, policies and procedures, and that I am the legal owner or have been authorized by the legal owner of the property andn auth ize to obtain this permit and perform the work described and approved in conjunction with this permit. I further attest that I am lly orized to include all entities named within this document as parties to the work to be performed and that all work to bye 'e rm is disclosed in this document and/or its' accompanying approved plans and specifications. Signature of OWNEk(c(r MXTRACTOR (Circle one) Date I. This permit was issued base on the information provided in the permit application and accompanying plans and specifications and is subject to the compliance with those documents, and all applicable statutes, ordinances, regulations, policies and procedures. 2. This. permit shall expire 365 days after the date of issuance regardless of activity. Requests for extension must be made in writing and received prior to the date of expiration. An extension of no more than 180 days made -be granted at the discretion of the Chief Building Official and may be subject to a fee equal to one-half of the original permit fee. 3. If this permit expires, a new permit may be required to be obtained. Issuance of a new permit shall be subject to the standard requirements, fees and_procedures for approval of any new permit. Re -issuance or extension of expired permits is at the sole discretion of the Chief Building Official and is not guaranteed. 4. No work of any manner shall be performed that shall results in a change of the natural flow of water without prior and specific approval. 5_ The permit holder shall notify the Building and Inspection Services Division in accordance with established policy of all required inspections and shall not proceed or conceal work without written approval of such work from the Building and Inspection Services Division. 6. The issuance or granting of a permit shall not be construed to be a permit for, or an approval of, any violation of any provision of any applicable cods -or any ordinance or regulation of this jurisdiction. Approval of work is subject to field inspection. _T_ Signature of Chief Building Official Date REQUESTS MUST BE MADE BY 11:59PM ANY BUSINESS DAY FOR INSPECTION THE FOLLOWING BUSINESS DAY. Inspection time requests will be accepted by email only. Please email requests to insptimerequest@ci.wheatridge.co.us between 7:30am and 8:00am, the morning of the inspection. Please put the address of the inspection in the subject line. t 4 4 City of WheatkiC COMMUNITY DEVELOPMENT Building & Inspection Services Division 7500 W. 291h Ave., Wheat Ridge, CO 80033 Office: 303-235-2855 * Fax: 303-237-8929 Inspection Line: 303-234-5933 Email: permits(a)_ci.wheatridcle.co.us FOR OFFICE USE ONLY Date: Plan/Permit #� j� � � ro � V Plan Review Fee: Building Permit Application *** Please complete all highlighted areas on both sides of this form. Incomplete applications may not be processed.'** Property Address: j�Owner (please print): lie Property Owner Email: Mailing Address: (if different than property address) Address: 5-09-. 11't-1-0- City, State, Zip: Architect/Engineer: Architect/Engineer E-mail: Contractor: �/l G Phone: Phone: Contractors City License #: v Phone:�L J7 Contractor E-mail Address: Sub Contractors: Electrical: W.R. City License # Other City Licensed Sub: City License # Plumbing: W.R. City License # Other City Licensed Sub: City License # Mechanical: W.R. City License # Complete all information on BOTH sides of this form ❑ COMMERCIAL 2 RESIDENTIAL Description of work: (Check all that apply) ❑ NEW COMMERCIAL STRUCTURE ❑ ELECTRICAL SERVICE UPGRADE ❑ NEW RESIDENTIAL STRUCTURE ❑ COMMERCIAL ROOFING ❑ COMMERCIAL ADDITION -E� RESIDENTIAL ROOFING ❑ RESDENTIAL ADDITION ❑ WINDOW REPLACEMENT ❑ COMMERCIAL ACCESSORY STRUCTURE (Garage, shed, deck, etc.) ❑ RESIDENTIAL ACCESSORY STRUCTURE (Garage, shed, deck, etc.) ❑ MECHANICAL SYSTEM/APPLIANCE REPAIR or REPLACEMENT ❑ PLUMBING SYSTEM/APPLIANCE REPAIR or REPLACMENT ❑ ELECTRICAL SYSTEM/APPLIANCE REPAIR or REPLACEMENT ❑ OTHER (Describe) (For ALL projects, please provide a detailed description of work to be performed, including current use of areas, proposed uses, square footage, existing condition and proposed new condition, appliance size and efficiency, type and amount of materials to be used, etc.) Sq. Ft./LF Btu's Amps Gallons Squares a —7, Other Project Value: (Contract value or the cost of all materials and labor included in the entire project) OWNER/CONTRACTOR SIGNATURE OF UNDERSTANDING AND AGREEMENT I hereby certify that the setback distances proposed by this permit application are accurate and do not violate applicable ordinances, rules or regulations of the City of Wheat Ridge or covenants, easements or restrictions of record; that all measurements shown and allegations made are accurate; that I have read and agree to abide by all conditions printed on this application and that I assume full responsibility for compliance with applicable City of Wheat Ridge codes and ordinances for work under any pen -nit issued based on this application; that I am the legal owner or have been authorized by the legal owner of the property to perform the described work and am also authorized by the legal owner of any entity included on this application to list that entity on this application. I, the applicant for this building permit application, warrant the truthfulness of the information provided o the application. CIRCLE ONE: (OWNER) ONTRAC or (AUTHORIZED EPRES TATIVE) of (OWNER) (CONTRACTOR) Electronic Signature (first and last name): l' / DATE: ` �l ZONING COMMMENTS: Reviewer BUILDING DEPARTMENT COMMENTS. Reviewer: DEPARTMENT USE ONLY OCCUPANCY CLASSIFICATION: Building Division Valuation: $ August 15, 2016 George Robles MERIDIAN 1300 Balsam, Unit B Lakewood, CO 80214 ADVANCED ENMONIVI MAL CONSULTIM TRUSTED ENVIR0NMENTAL SPEC MUSTS 303-257-8994 (0) VAV44%SCOR EAE C.COM AEC@SCOREAEC.COM (E) Subject: Industrial Hygiene Support Services Related to Asbestos Final Clearance Air Sampling and Report Dear Mr. Robles: Advanced Environmental Consulting, LLC, (AEC) was retained to perform industrial hygiene services related to post asbestos abatement work area/containment visual and air monitoring services. This report, is specific to the events conducted on August 12, 2016 located at, 3736 Vance Street in Wheat Ridge, Colorado. AEC, a Colorado Department of Public Health and Environment (CDPHE) certified Asbestos Consulting Firm (#20874), was responsible for consulting with the abatement representative (Meridian), to ensure the abatement areas and materials (major spill from Reno) removed were understood so that clearances could be properly performed. Final Visual Clearance ITpon completion of asbestos removal activities, a final visual inspection of the work area, is required by the applicable regulations. A certified Air Monitoring Specialist (AMS) must visually inspect the work area for any dust or debris remaining in the area. If the inspector notes any such dust or debris, the abatement contractor is required to re -clean the work area until such time that the inspecting AXIS does not observe any dust or debris in the work area. Mr. Kris Wilson conducted the final visual inspection of the site. Mr. Wilson is certified (#4663) as an Asbestos Inspector and Air Monitoring Specialist as specified by the Asbestos Hazard Emergency Response Act (A RA) and the CDPHE. It was determined that the abatement contractor had properly cleaned the work area, completely of all dust and debris. The inspecting AMS required no further cleaning. Final Clearance Air Monitoring and Sampling Methodology Final clearance air samples must be collected from the work area after completion of a final visual inspection and prior to teardown of the containment structure. Analysis of each these samples must show airborne asbestos fiber concentrations of less than or equal to 0.010 flee. If concentrations exceed this limit, the abatement contractor must re -clean the work area and a second set of final clearance air samples must be collected and analyzed. This process is repeated until the analytical results of the final clearance air samples meet the regulatory standard. Only upon successfully completion of the final clearance air monitoring process may an asbestos abatement project be considered complete, and teardown of the containment structure can commence. Mr. Wilson completed the final clearance air sampling. Final clearance air samples were collected using constant flow high-volume air sampling pumps, 25 mm air sampling cassettes, flexible tubing and adjustable sampling stands. The sampling cassettes were attached to one end of the flexible tubing and placed on the stands approximately forty-eight (48) inches above the floor. The opposite ends of the flexible tubing were attached to the air sampling pinups. The PCM sample pumps were activated and operated at a, flow rate of approximately sixteen liters per minute (16 ITM) for a, period of approximately thirty=one (31) minutes. Upon completion of the final clearance air sampling, labels containing sample identification numbers, sample location, pump flow rate, and total sample time were applied to each sampling cassette. Aggressive air sampling techniques (i.e. one-horse powered leaf blower for five minutes per 1,000 square feet and a fan placed at a fort' -five degree angle toward the ceiling per 10,0000 square feet) as described in 40 CI R Part 763, Appendix A to Subpart E, were utilized throughout the sample collection process. Upon completion of the final clearance air sampling, labels containing sample identification numbers, sample location, pump flow rate, and total sample time were applied to each sampling cassette. Per the applicable regulations, based on the quantity of ACII removed during the abatement project five (5) final clearance air samples were collected in the containments work areas located at the site. Analytical Methodology and Laboratory results The AEC representative is trained in Phase Contrast Microscopy by the National Institute of Occupational Safeth and Health (NIOSH) 582 Equivalent Course and successfully participates in the American Industrial Hygiene Association (AIHA) Proficiency Analytical Testing Program (PAT). The results of the laboratory analysis of the final clearance air monitoring samples confirm that the concentrations of airborne fibers within the work area were below the regulatory limit of 0.010 floc. Results below the detection limit are listed as BDL. Semple Location Total Time LitrrFIow Volume Xulnlerof-Mbeis Fibeis/cr North 31 Min 16.0 496 L 4.0 BDL East 31 Min 16.0 496L 4.5 BDL South 31 Min 16.0 496 L 2.5 BDL West 31 Min 16.0 496 L 3.5 BDL Center 31 Min 16.0 496 L 3.0 BDL Conclusions AEC provided asbestos abatement clearance services in the building located at 3736 Vance Street in Wheat Ridge, Colorado on August 12, 2016. Air samples were collected at the above referenced location were below the regulator} level of 0.010 floc. Therefore, the work area was clean upon completion of the abatement project and is read- for re - occupancy Ilimitations This report describes the data, collected and observations made by AEC during the final clearance sampling in the above referenced building. AEC represents that its services were performed within the limits prescribed by applicable regulations, within scope of work as approved by the EPA and the State of Colorado and in a manner consistent with the level of care and skill ordinarily exercised by other professional consultants under similar circumstances. AEC accepts no responsibility for data collected, the recommendations made or expressed to the client, and/or other commitments made by persons or firms other than AEC. No other representation is made to the client, expressed or implied, and no warranty or guarantee is included or intended. Thank you for the opportunity to provide MERIDIAN industrial hygiene support services. If you have any questions on this asbestos final clearance report, please contact me at your earliest convenience. Respectfully Submitted, Kris Wilson Industrial Hygienist d(LYi(fieuhh and tiiniamraamr ASBESTOS CONSULTING FIRM IFia ra...r --don Advanced Environmental Consulting, LLC aRinirriiw — ACF - twit Ras gra las rrri.iru�lrn .r.iu�mnani. of :S ?"stt'. (:.a ti .nd - Air Qua ('.•nnirvm rrF4l:niw vnn. arra i. Mer. gulp— 1. 4� pnlum. aabaaew a.awbgrF as na n.s. .• reyulrcJ anger Rrrul.ainn Yu J, Pan 11. rn ibe algae nl ('olondu Ian.N' Ik...nber in X1.1 ryww 1>a.ml•a+I�a 144RlCAN , I This is to certify that NWSIRW. HYG)EW I I ASSOCIATION v ',ris vvti5Gi1 J __..__..- ASRF,STOS ASBESTOS TECHNIQUE �;. i CBN7T1ak�i C;A�T01' .. ;` Kria 'r. WU—. —NIOSH SBS BgWv.tanF— Ca.aaaa.auu 4r+WJ r•aei x. Fw ••a aaM i., � ArtreriCan tnduslnal Flyglcno Assoclauon. co4..wf.. �n w- µfh�nyi L..Wrrh Air MwitoriP6 tipeclatb/' 6` i;�/ �� ' �� a....r. dr. Ja. st• ZG.. d(LYi(fieuhh and tiiniamraamr ASBESTOS CONSULTING FIRM IFia ra...r --don Advanced Environmental Consulting, LLC aRinirriiw — ACF - twit Ras gra las rrri.iru�lrn .r.iu�mnani. of :S ?"stt'. (:.a ti .nd - Air Qua ('.•nnirvm rrF4l:niw vnn. arra i. Mer. gulp— 1. 4� pnlum. aabaaew a.awbgrF as na n.s. .• reyulrcJ anger Rrrul.ainn Yu J, Pan 11. rn ibe algae nl ('olondu Ian.N' Ik...nber in X1.1 ryww 1>a.ml•a+I�a 144RlCAN , I This is to certify that NWSIRW. HYG)EW I I ASSOCIATION v ',ris vvti5Gi1 J __..__..- attended Itw IxAiw ASBESTOS TECHNIQUE WORKSHOP iad hover) —NIOSH SBS BgWv.tanF— SpoosorW by ArtreriCan tnduslnal Flyglcno Assoclauon. �i dG.�WVaWA ASB LS 11 IvS CV. R211 FICATION* Kr*. T. Will— ASBESTOS LABORATORY thin «rddr. m.i Advanced F.nvimumemal Consulting, LLC NarWnIM \u,: Al. -2— ba. na abt ndi.:rnu�. reVuinmanu of 31-i .V], L a l .nd -Air Qualq] I w�ml — RaJuk-1. r rn a. aaJ i. Aurly awhniaN 4• PaRrn a.braun Ll..alm Ir• F M.•.r:r. .. evqu�rrd hr raJulaiiw Av A. Pan 9 in Ibr .sloe ..I ('oimade iasd rA�nFa. Io. mlr ' Colorado Department of Public Health and Environment Air Pollution Control Division — Indoor Environment Program — Asbestos/IAQ Unit 4300 Cherry Creek Drive South, APCD-IE-B1 Denver, Colorado 80246-1530 Phone: 303-692-3100— Fax: 303-782-0278 E-mail: asbestos@state.co.us ASBESTOS ABATEMENT PERMIT This permit is granted subject to Colorado Air Quality Control Commission Regulation No. 8, Part B, adopted December 21, 2007, and effective January 30, 2008, the Colorado Air Pollution Prevention and Control Act (25-7-101 or 25-7-501 et seq., C.R.S.) and the following provisions. It is only for the purpose of allowing asbestos abatement. ADDITIONAL PERMIT PROVISIONS: By performing work under this pen -nit the abatement contractor agrees that the Division may revoke or suspend this permit should the Division find that the contractor: • has violated or has aided and abetted in the violation of 25-7-101 or 25-7-501 et seq., C.R.S. or Regulation No. 8, Part B, or an order of the Division or Commission, • has failed to meet any permit and notification requirement or failed to correct any violations cited by the Division during any inspection within a reasonable period of time, as may be determined by the Division, • has used misrepresentation or fraud in obtaining this permit, or, • has committed any act or omission which does not meet generally accepted standards of the practice of asbestos abatement. As a contractor, you may be subject to other licenses and permits, depending on the requirements of the county and municipality in which the work is being performed. The Colorado Department of Public Health and Environment, Air Pollution Control Division strongly suggests that you check with county and municipal authorities in order to determine any other local building/permitting requirements that must be met. THE ORIGINAL PERMIT MUST BE POSTED ON SITE AT ALL TIMES. Immediately notify the Asbestos/IAQ Unit of project modifications byfax (number above) or e-mail (address above) and the appropriate county health department by fax. Project modifications include changes in the scope of work or the scheduled work dates, etc. This asbestos abatement permit is valid beginning 8/12/2016 through 11:59 PM on 9/10/2016. The actual scheduled work dates are from 8/12/2016 through 8/13/2016. Approval issued on: 8/4/2016 Fee paid: $180.00 Record number: 119975 Notice Number: 16JE4524A Variance: None Comments: None For the location specified below: Single Apartment Entire apartment 3736 Vance St. Wheatridge Jefferson County This pen -nit has been issued to: Meridian 5527 W 8th Ave Lakewood, CO 80214 Check number: CC 9606 -t Project Supervisor: Martin Romero Cerification No.: 19758 ,A 1 Project AMS: Michael Lococo Cerification No.: 13438 Project Manager: Issued by: SM Certificate of Completion AND/OR Compliance CITY OF WHEAT RIDGE 7500 W. 29TH AVENUE WHEAT RIDGE, COLORADO 80033 THIS CERTIFICATE VERIFIES THAT THE PROPERTY DESCRIBED BELOW, DOES COMPLY WITH THE WHEAT RIDGE BUILDING CODE, ZONING AND OTHER RELATED LAND USE AND DEVELOPMENT LAWS OF THE CITY OF WHEA TRIDGE FOR THE FOLLOWING PURPOSE, PERMIT # 14011 Single Family Addition OWNER: Jay Estrada ADDRESS: 4370 Jay Street PROPERTY ADDRESS: 4370 Jay Street. Wheat Ridge. CO 80033 CONTRACTOR: Homeowner DATE 6/22/2004 ~~ CHIEF BUILDING OFFICIAL <7.- -- ZONING ADMINISTRATOR !~ ~ INSPECTIONS Vv .\lOT BE MADE UNLESS THIS CARD IS POSTt:u ON THE BUILDING SITE 24 HOURS NOTICE REQUIRED FOR INSPECTIONS WHEAT RIDGE, COLORADO 7500 WEST 29th AVENUE (303) 234-5933 INSPECTION RECORD SF- ,4cU ~I JOB ADDRESS 4 3::f c <-Jci ,Sf BUILDING PERMIT NO. I 4 r I I j OWNER r I j.L'.J r <) -h/7 /{~~ CONTRACTOR ' ~~t'7 SETBACKS FROM PROPERTY LINES: NORTH DATE ISSUED (c//CJJeC) I TYPE I OCCUPANCY SOUTH EAST WEST INSPECTOR MUST SIGN ALL SPACES PERTAINING TO THIS JOB INSPECTION I DATE I INSPECTOR Foundations Footings Caissons c Reinforcing or Monolithic Weatherproofing c; 0 cJ f.,.. OJ POUR No CONCRETE UNTIL ABOVE HAS BEEN SIGNED Concrete Slab Floor: Electrical (Ground Work) Plumbing (Ground Work) Heating (Ground Work) Rough Electrical Rough Plumbing Air Test Gas Piping Rough Heating & Ventilation Do NOT POUR FLOOR UNTIL ABOVE HAS BEEN SIGNED oil 'f-il.{- ~3 ell/' '/,/ (1'- " O? Framing Insulation Drywall Nailing Roofing Refrigeration Electrical Underground Final Electrical Plumbing Heating & Ventilation Frame <;;. ,'y\ R,O,W. & Drainage Fire Department Parking & Landscaping --NOT PERMITTED UNTIL CERTIFICATE OF OCCUPANCY IS ISSUED PROTECT THIS CARD FROM THE WEATHER BUILDING DEPARTMENT (303) 235-2855 CITY OF WHEAT RIDGE * * Correction Notice Job Located at -137~ ,Ja.l ~/ I have this day inspected this structure and these premises and have found the following violations of City and/or State laws gov- erning same: I.) -r- 6-t:l ./ ,f'J:fJ.",;n..,(J/T> o,...-e 2.. You are hereby notified to correct the foregoing violations. When corrections have been made, call for inspection. DO NOT REMOVE THI DepL Date FORM WR6-22 , . / / /, 'DEPARTMENT OF PLANNING AND DEVELOPMENT BUILDING INSPECTION LINE - 303-234-5933 CITY OF WHEAT RIDGE 7500 WEST 29TH AVENUE WHEAT RIDGE, CO 80215 - (303-235-2855) Building Permit Number: Date: 14011 6/12/02 Property Owner: JAY ESTRADA Property Address: 4370 JAY ST Contractor License No, : Company: Phone: 421-2511 Phone: OWNERiCONTRACTOR SIGNATURE OF UNDERSTANDING AND AGREEMENT Construction Value: Permit Fee: Plan Review Fee: Use Tax: I hereby certify that the setback distances proposed by this permit application are accurate, and do not violate applicable ordinances, rules or regulations of the City of Wheat Ridge or covenants, easements or restrictions of record; that all measurements shown, and allegations made are accurate; that I have read and agree to abide by all conditions printed on this application, and that I assume full responsibility for compliance with the Wheat Ridge Building Code (U,B,C,) and all other applicable Wh~aHl)dge or' flCllS; f~ork'l1!J<ier this permit. (OWNER)(CONTRACTOR) SIGNED' .~ ~t:-....- DATE ",c, / "";{ / Total: $21,500.00 $349,25 $227.01 $430.00 $1,006.26 Use: ~1ID ~ Description: ADDITION TO SINGLE FAMILY HOME Please Note: er I contractor is responsible for locatin~ property BUILDING DEPARTMENT USE 1!J1qt. "d ~~~~~ ~nr~quired development standards, aP:~ive Wl-i~ re~ponsible$.1f ifilccurate infom,~lio Th ~ d 'tl' the plan ,et and any constructIOn COMPLIES WI R-2 REGS. submltte WI 1m " errors resulting from inaccurate mformatlon. 6/11/02, OK WI NOTES ON PLANS Approval: Occupancy: Walls: Roof: Stories: Residential Units: Electrical License No : Company: Plumbing License No : Company: Mechanical License No : Company: Expiration Date: Approval: Expiration Date: Approval: Expiration Date: Approval: (4) (5) (6) This permit was issued in accordance with the provisions set forth in yopur application and is subject to the laws of the State of Colorado and 10 the Zoning Regulations and Building Code of Wheat Ridge, Colorado or any other applicable ordinances of the City. This permit shall expire if (A) the work authorized is not commenced within sixty (60) days from issue date or (8) the building authorized is suspended or abandoned for a period of 120 days. If this permit expires, a new permit may be acquired for a fee of one-half the amount normally required, provided no changes have been or will be made in the original plans and specifications and any suspension or abandonment has not exceeded one (1) year. If changes are made or if suspension or abandonment exceeds one (1) year, full fees shall be paid for a new permit. No work of any manner shall be done that will change the natural flow of water causing a drainage problem. Contractor shall notify the Building Inspector twenty-four (24) hours in advance for all inspections and shall receive written approval on inspection card before proceediing with successive phases of the job. The issu ~ the approval of drawings and specifications shall not be construed to be a permit for, nor an approval of, any violation of the pro .. of / i I; des or any other ordinance, law, rule or regulation. (1) (2) (3) " () , N tJ'1 CAs. (. (if:.pu.d=- L:\ , I::, \)~ 60 .\jj " 'lb. ,'.!u , .c y.. '); v'~ . 1 .4 s~k1 ~~'J? o 3' ,/ ./ IP' fl6Q 0 I I I I <) I 10 . M L'NG:.rJ () 0' l~ '. $~W!:.s ^""i\S,t:1C , fSA-71+ Si-b....8l.. ~ tr ?"'/i , A A N E vJ A DPJ:\1DN QPE~ =,0_ t..-!'Y \ ~bj<.cotJI:: la o (4 12' A -~ rn \' o Q,~IU>~"" /uS/J LlI L'l 1.(\ '1' WA/...'?- \J"dM c.w>Cf6~ / <. ~ , '-~, SIT" '1], " v 1;2' 25/ NSiN /I\A"STt:\2- &.t> ROo,,^, o .6 ., 5'-C>;( .Lj-o l~/ ,.. ;, ~: 1- 2)< 10 vJIlJt::ow l+eAD~12.. . 2-TRlMMIC.e-S I - !(.lIJ6:> $Tu-.,{:) ~ :'~rc.,l L\,; bLt,-tl.,C r- D,: /4J:.-M j)......v. 0: L.t..WT .['4.....rcf- /9. S00K-c., \)ET~\oR. l='OtWDAT,O}-.:>'. <(j1/-rHIC\<C- WAW..:S 11 (I 1,y: (& FO<.:;>TlNbj 3(0'/'" " ;\"'~..-" .~ I V' Q ~ II /1 1(:2.. )( 9 STEEL A,Nc..&:lR. &>'-TS ,{ /,p-O D,C, !-Z FROM.. tNboi=' f"l.A'IE BoTTOM... j>utr~ TREATE~ 2)(L\ . I~' "l>" 0/, 1:10/ ~tnr ,.,;iI I r/I",h. Jl/I1 ""Y4.,1,,,,,, 0/ ~.C. ~ \. !l:&lIIoke D.ltfl.etar 'R1N1.u;......._~ This permit will requIre batterY operated smoke delecIors to be illstalled in each sleeping room 8ridOite centrally locatedintlte corridor or l\RIl giviDg access to each sepataIe sleeping area. A detectot will also be required on each level and in the basement if applicable, -..-..."".-\ lOVED \ 1\ _ ~e c~ t~ ~eld Ins;ections II' ~Ul-IJ ~ . . 'd 8u'\\..,ing Dept. , i Wheat Rl ,ge ,\.. . ' \. I ".Iff. 1 \ ,.Date,u,t.J1Ii.... .1. .. s\gne~lj1_~~.::.~::.:~_I~~~e.c:mrt _~~_^.,.__~".__._.~:J~,= .:s~ /..6: L:'q'-"illtf. - J j I' , ::n- ~ <- ~ g' ..(1 f".- CS,mJt Wf'o'-j i>>EIC~ W/l((,j(,WA"'f '\ ~ ~ I1r~,M"'c^,\ il8iIWb.", !1(lM'v'.l ~ j (oj ) ~\> 7- <!:: ft.(;f)(U> "'1"1 . C.,Lt-S....,"'l.. /-bt..--SE. Lr~4 &-./' ~ \, I( l' "I \f k.1'1<.l<uJ Ph~~/] LVVIN/"" g~ CJ ;( o:t~d .~ k LIVIN(.. f~&N.s....v <f -/( 4 A:: OOP &v W Au.. -I1AA. L,lhtob ~^" f,*".CN~ 10A./ G, , f'RIVA,/ fENCE A-R.cWf-/[) bt.s."rl 5owr~, AfJ]J SOUTk.....~r P~rf"e;l''t LINos, 118 fU>D N\ dS: ' l' L..:>A~k IN ~E.\lU>a^,\ bLo~E..,.. !:" 6~ 2.S' N~ AAt.I.":',v ) '} ..}>""'-/ fnR.ko~ DWNf{I.../t.Uoi.JJf.R. f.:sl ~T:JJ dJ y~~ I /' After Recording Return To: FLAGSTAR BANK, FSB ATTN: FINAL DOC DEPT., MAIL STOP W-530-3 5151 CORPORATE DRIVE TROY, MI 48098 LOAN I: 998673965 Title Order No.: TM0007983 Escrow No.: TM0007983 [Space Above This Line For Recording Datal DEED OF TRUST IMIN 100052599867396554 DEFINITIONS Words used in multiple sections of this document arc defined below and other words are defined in Sections 3, II, 13, 18,20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16, (A) "Security Instrument" means this document, which is dated MARCH 21, 2002, together with all Riders to this document. (B) "Borrower" is JAY L ESTRADA. Borrower is the trustor under this Security Instrument. (C) "Lender" is FAMILY MORTGAGE FUNDING, INC. Lender is a CORPORATION INDIANA. INDIANAPOLIS, IN 46268. organized and existing uuder the laws of Lender's address is 3806 WEST 86TH STREET, (D) "Trustee" is the Public Trustee of JEFFERSON Couuty, Colorado, (E) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns, MERS is the beneficiary under this Seeurity Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone number ofP,O, Box 2026, Flint, MI48501-2026, tel. (888) 679-MERS. (F) "Note" means the promissory note signed by Borrower and dated MARCH 21, 2002. The Note states that Borrower owes Lender * * * * * * * * * * * * * * * * * * * * * * * * * *ONE HUNDRED FORTY FOUR THOUSAND AND NO/lOa * * * * * * * * * * * * * * * * * * * * * * * * * * ** * * * * * * * * ** * * * * * * * * * * * * * * * * * * * * Dollars (U.S. $144,000.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than APRIL 1, 2032. (G) "Property" means the property that is described below under the heading "Transfer of Rights in the Property," (H) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (I) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: o Adjustable Rate Rider o Balloon Rider 01-4 Family Rider o Condominium Rider o Planned Unit Development Rider o Biweekly Payment Rider o Second Home Rider OOther(s) [specify] (J) "Aplllicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non-appealable judicial opinions, (K) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (L) "Electronic Funds Transfer" means any transfer offunds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point-<lf-sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (M) "Escrow Items" means those items that are described in Section 3, (N) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) COLORADO-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3006 1101 Page 1 of 8 Initials: LOAN .. 998673965 condemnation or other taking of all or any part ofthe Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property, (0) "Mortgagc Insurancc" means insurance protecting Lender against the nonpayment of, or default on, the Loan, (P) "Pcriodic Paymcnt" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts under Section 3 of this Security Instrument (Q) "RESPA" means the Real Estate Setllement Procedures Act (12 U.S,C, ~2601 et seq,) and its implementing regulation, Regulation X (24 C.F.R Part 3500), as they 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 Instrument, "RESPA" refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan" even ifthe Loan does not qualify as a "federally related mortgage loan" under RESP A, (R) "Successor in Interest of Borrower" means any party that has taken tille to the Property, whether or not that party has assumed Borrower's obligations under the Note and/or this Security Instrument TRANSFER OF RIGHTS IN THE PROPERTY The beneficiary of this Security Instrument is MERS (solely as nominee for Lender and Lender's successors and assigns) and the successors and assigns of MERS. This Security Instrument secures to Lender: (i) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (ii) the performance of Borrower's covenants and agreements under this Security Instrument and the Note, For this purpose, Borrower, in consideration ofthe debt and the trust herein created, irrevocably grants and conveys to Trustee, in trust, with power of sale, the following described property located in the COUNTY [Type of Recording Jurisdiction] of JEFFERSON [Name of Recording Jurisdiction]: LOT 30, INGALLS TERRACE SUBDIVISION, COUNTY OF JEFFERSON, STATE OF COLORADO AP #. 690324302018 which currenlly has the address of 4370 JAY STREET, WHEAT RIDGE, [StreelllCily] Colorado 80033 lZip Code} ("Property Address"): TOGETHER WITH all the improvements now or hereafter erected on the property, and all casements, appurtenances, and fixtures now or hereafter a part of the property, All replacements and additions shall also be covered by this Security Instrument All ofthe foregoing is referred to in this Security Instrument as the" Property. " Borrower understands and agrees that MERS holds only legal tille to the interests granted by Borrower in this Security Instrument, but, if necessary to comply with law or custom, MERS (as nominee for Lender and Lender's successors and assigns) has the right: to exercise any or all of those interests, including, but not limited to, the right to foreclose and sell the Property; and to take any action required of Lender including, but not limited to, releasing and canceling this Security Instrument BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to grant and convey the Property and that the Property is unencumbered, except for encumbrances of record, Borrower warrants and will defend generally the tille to the Property against all claims and demands, subject to any encumbrances of record and liens for taxes for the current year not yet due and payable, THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property, UNIFORM COVENANTS, Borrower and Lender covenant and agree as follows: 1, Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges, Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any prepayment charges and late charges due under the Note, Borrower shall also pay funds for Escrow items pursuant to Section 3, Payments due under the Note and this Security Instrument shall be made in U,S, currency, However, if any check or other instrument received by Lender as payment under the Note or this Security Instrument is returned to Lender unpaid, Lender may require that any or all subsequent payments due under the Note and this Security Instrumeut be made in one or moreofthe following forms, as selected by Lender: (a) cash; (b) money order; (c) certiIied check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency. instrumentality, or entity; or (d) Electronic Funds Transfer, Payments are deemed received by Lender when received at the location designated in the Note or at such other location as may be designated by Lender in accordance with the notice provisions in Section IS, Lender may return any payment or partial payment if the payment or partial payments are insufficient to bring the Loan current Lender may accept any payment or partial payment insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial payments in the future, but Lender is not obligated to apply such payments at the time such payments are accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied funds, Lender may hold such unapplied funds until Borrower makes payment to bring the Loan current If Borrower does not do so within a reasonable period oftime, Lender shall either apply such funds or return them to Borrower, Ifnot applied earlier, such funds will be applied to the outstanding principal balance under the Note 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 under the Note and this Security Instrument or performing the covenants and agreements sccured by this Security Instrument COLORADO..Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3006 1/01 Page 2 of 8 Initials: ~ ~ LOAN #. 998673965 2, Application of Payments or Proceeds. Except as otherwise described in this Section 2, all payments accepted and applied by Lender shall be applied in the following order of priority: (a) interest due under the Note; (b) principal due under the Note; (c) amounts due under Section 3, Such payments shall be applied to each Periodic Payment in the order in which it became due, Any remaining amounts shall be applied first to late charges, second to any other amounts due under this Security Instrument, and then to reduce the principal balance of the Note, If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and the late charge, If more than one Periodic Payment is oulstanding, Lender may apply any paymcnt received from Borrower to the repayment of the Periodic Payments if, and to the extent lhat, each payment can be paid in full, To the extent that any excess exists after the payment is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late charges due, Voluntary prepayments shall be applied first to any prepayment charges and then as described in the Note, Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due date, or change the amount, of the Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due under the Note, until the Note is paid in full. a sum (the "Funds") to provide for payment of amounts duefor: (a) taxes and assessmcnts and other items which can attain priority over this Security Instrument as a lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, ifany; (c) premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of Section 10, These items are called "Escrow Items," At origination or at any time during the term of the Loan, Lender may require that Community Association Dues, Fees, and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this Section, Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items, Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time, Any such waiver may only be in writing, In the event of such waiver, Borrower shall pay directly, when and where payable, the amounts due for any Escrow Items for which payment of Funds has been waived by Lender and, if Lender requires, shall furnish to Lcnder receipts evidencing such payment within such time period as Lender may require, Borrower's obligation to make such payments and to provide receipts shall for all purposes be deemed tobe acovenant and agreement contained in this Security Instrument, as the phrase "covenant and agreement" is used in Section 9, If Borrower is obligated to pay Escrow Items directly, pursuantto a waiver, and Borrower fails to pay the amount due for an Escrow Item. Lender may exercise its rights under Section 9 and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender any such amount. Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given in accordance with Section 15 and, upon such revocation, Borrower shall pay to Lender all Funds, and in such amounts, that are then required under this Section 3, Lender may, at any time, collect and hold Funds in an amount (a) sufficient to permit Lcnder to apply the Funds at the time specified undcr RESPA, and (b) not to exceed the maximum amount a lender can require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable Law, The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is an institution whose deposits are so insured) or in any Federal Home Loan Banle Lender shall apply the Funds to pay the Escrow Items no later than the time specified under RESP A. Lender shall not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lcnderto 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 to pay Borrower any interest or earnings on the Funds, Borrower and Lender can agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds as required by RESP A. Ifthere is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to Borrower for the excess funds in accordance with RESPA. !fthere is a shortage of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESP A, and Borrower shall pay to Lender the amount necessary to make up the shortage in accordance with RESP A, but in no more than 12 monthly payments, If there is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESP A, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than 12 monthly payments, Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens, Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to the Property which can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Community Association Dues, Fees, and Assessments, if any, To the extent that these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3, Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement ofthe lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part ofthe Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien, Within 10 days ofthe date on which that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4, Lender may reqnire Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. 5, Property Insurance, Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender reqnires, What Lender requires pursuant to the preceding sentences can change during the term of the Loan, The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan. either: (a) a one-time charge for flood zone determination, certification and tracking services: or (b) a one-time charge for flood COLORADOnSingl, Family--Fannle Mae/Freddie Mac UNIFORM INSTRUMENT I ni tials. ill Fornl30061101 Page J of 8 ~ LOAN .. 998673965 zone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification, Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense, Lender is under no obligation to purchase any particular type or amount of coverage, Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost ofthe insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained, Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee andlor as an additional loss payee, Lender shall have the right to hold the policies and renewal certificates, If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices, If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee andlor as an additional loss payee, In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Property, ifthe restoration or repair is economically feasible and Lender's security is not lessened, During such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may disburse proceeds for the repairs and restoration 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 to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters, or other third parties, retained by Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation ofBorrower. Ifthe restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, ifany, paid to Borrower. Such insurance proceeds shall be applied in the order provided for in Section 2, If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance claim and related matters, If Borrower docs not respond within 30 days to a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may negotiate and settle the claim. The 30-day period will begin when the notice is given, In either event, or if Lender acquires the Property under Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's 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 than the right to any refund of unearned premiums paid by Borrower) under all insurance policies covering the Property, insofar as such rights are applicable to the coverage ofthe Property, Lender may use the insurance proceeds either to repair or restore the Property or to pay amounts unpaid under the Note or this Security Instrument, whether or not then due, 6, Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within 60 days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year aner the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. 7, Preservation. Maintenance and Protection of the Property; Inspections. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate or commit waste on the Property, Whether or not Borrower is residing in the Property, Borrower shall maintain the Property in order to prevent the Property from deteriorating or decreasing in value due to its condition, Unless it is determined pursuant to Section 5 that repair or restoration is not economically feasible, Borrower shall promptly repair the Property if damaged to avoid further deterioration or damage, !finsurance or condemnation proceeds are paid in connection with damage to. or the taking of, the Property, Borrower shall be responsible for repairing or restoring the Property only if Lender has rcleased proceeds for such purposes, Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed, If the insurance or condemnation proceeds arc not sufficient to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of such repair or restoration, Lender or its agent may make reasonable entries upon and inspections of the Property, If it has reasonable cause, Lender may inspect the interior of the improvements on the Property, Lender shall give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause, 8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application process. Borrowerorany persons orcnlitiesacting at the direction of Borrower or with Borrower's knowledge or consent gave materially false, misleading, or inaccurate information or statements to Lender (or failed to provide Lender with material information) in connection with the Loan, Material representations include, but are not limited to, representations concerning Borrower's occupancy of the Property as Borrower's principal residence. 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b) there is a legal proceeding that might significantly affect Lender's interest in the Property andlor rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or regulalions), or (c) Borrower has abandoned the Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property aud rights under this Security Instrument, including protecting andlor assessing the value ofthe Property. and securing andlor repairing the Property, Lender's actions can include, but are not limited to: (a) paying any sums secured by a lien which has priority over this Security Instrument; (b) appearing in courl; and (c) paying reasonable attorneys' fees to protect its interest in the Property andlor rights under this Security Instrument, including its secured position in a bankruptcy proceeding, Securing the Property includes, but is not limited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned on or off, Although Lender may take action under this Section 9, Lender does 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 any or all actions authorized under this Section 9, COLORADO--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Fonn 3006 1101 Page 4 of 8 Initialsl ~ ~ LOAN .. 998673965 Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease, If Borrower acquires fce title to the Property, the lcasehold and the fee title shall not merge unless Lender agrees to the merger in writing, 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make scparately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially cquivalent Mortgagc Insurance coverage is not availablc, Borrower shall continue to pay to Lender the amount of the separately designated payments that were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a non-refundable loss reserve in lieu of Mortgage Insurance, Such loss reserve shall be non-refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve, Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and for the period that Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance, !fLender required Mortgage Insurance as a condition of making the Loanand Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such termination or until termination is required by Applicable Law, Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note, Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance, Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may enter into agreements with other parties that share or modify their risk, or reduce losses, These agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements, These agreements may require the mortgage insurer to make payments using any source offunds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). As a result ofthese agreements, Lender, any purchaser ofthe Note, another insurer, any reinsurer, any other entity, or any affiliate of any of the foregoing, may receive (directly or indirectly) amounts that derive from (or might be characterized as) a portion of Borrower's payments for Mortgage Insurance, in exchange for sharing or modifying the mortgage insurer's risk, or reducing losses, Ifsuch agreement provides that an affiliate of Lender takes a share of the insurer's risk in exchange for a share ofthe premiums paid to the insurer, the arrangement is often termed "captive reinsurance." Further: (a) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage Insurance, or any other terms of the Loan. Such agreements will not increase the amount Borrower will owe for Mortgage Insurance, and they will not entitle Borrower to any refund. (b) Any sucb agreements will not affect tbe rigbts Borrower has - if any - witb respect to tbe Mortgage Insurance under tbe Homeowners Protection Act of 1998 or any otber law, Tbese rights may include tbe right to receive certain disclosures, to request and obtain cancellation oftbe Mortgage Insurance, to have tbe Mortgage Insurance terminated automatically, and! orto receive a refund of any Mortgage Insurance premiums that were unearned althe timeof such cancellation or termination. 11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair ofthe Property, ifthe restoration or repair is economically feasible and Lender's security is not lessened, During such repair and restoration period, Lender shall have the right to bold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly, Lender may pay for the repairs and restoration 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 requires interest to be paid on such Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds, If the restoration or repair is not economically feasible or Lender's security would be lessened, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, ifany, paid to Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for in Section 2, In the event of a total taking, destruction, or loss in value ofthe Property, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds multiplied by the following fraction: (a) the total amount ofthe sums secured immediately before the partial taking, destruction, or loss in value divided by (b) the fair market value of the Property immediately before the partial taking, destruction, or loss in value, Any balance shall be paid to Borrower, In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is less than the amount of the sums secured immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums arc then due, If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opposing Party (as defined in the next sentence) oITers to make an award to settle a claim for damages, Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized to collect and apply the Miscellaneous Proceeds either to restoration or repair of the Properly or to the sums secured by this Security Instrument, whether or not then due, "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right ofaclion in regard to Miscellaneous Proceeds, Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun that. in Lender'sjudgment, could result in forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Security t" _ OCOEDEED COLORADO.-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Fonn 3006 1/01 Page 5 of 8 Initialsl LOAN " 998673965 Instrument. Borrower can cure such a default and, if acceleration has occurred, reinstate as provided in Section 19, by causing the action or proceeding to be dismissed with a ruling that, in Lender's judgment, precludes forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Security Instrument. The proceeds of any award or claim for damages that are allributable to the impairment of Lender's interest in the Property are hereby assigned and shall be paid to Lender, All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied in the order provided for in Section 2. 12, Borrower Not Released; Forbearance By Lender Not a Waiver, Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to Borrower or any Successor in Interest of Borrower shall not operate to release the liability ofBorrower or any Successors in Interest ofBorrower. Lender shall not be required to commence proceedings against any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy including, without limitation, Lender's acceptance of payments from third persons, entities or Successors in Interest of Borrower or in amounts less than the amount then due, shall not be a waiver of or preclude the exercise of any right or remedy, 13, Joint and Several Liability; Co-signers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who co-signs this Security Instrument but does not execute the Note (a "co-signer"): (a) is co-signing this Security Instrument only to mortgage, grant and convey the co-signer's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without the co-signer's consent. Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower's obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits under this Security Instrument. Borrower shall not be released from Borrower's obligations and liability under this Security Instrument untess Lender agrees to such release in writing. The covenants and agreements of this Security Instrument shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender. 14, Loan Charges. Lender may charge Borrower fees for services performed in connection with Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument, including, but not limited to, allorneys' fees, property inspection and valuation fees, In regard to any other fees, the absence of express authority in this Security Instrument to charge a specific fee to Borrower shall not be construed as a prohibition on the charging of such fee, Lender may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law, If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the Loan exceed the permilled limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permilled limit; and (b) any sums already collected from Borrower which exceeded permilled limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge (whether or not a prepayment charge is provided for under the Note), Borrower's acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be in writing, Any notice to Borrower in connection with this Security Instrument shall be deemed to have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address ifsent by other means. Notice to anyone Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise, The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly notify Lender of Borrower's change of address, If Lender specifies a procedure for reporting Borrower's change of address, then Borrower shall only report a change of address through that specified procedure, There may be only one designated notice address under this Security Instrument at anyone time. Any notice to Lender shall be given by delivering it or by mailing it by first class mail to Lender's address stated herein unless Lender has designated another address by notice to Borrower. Any notice in connection with this Security Instrument shall not be deemed to have been given to Lender until actually received by Lender. Ifauy notice required by this Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. 16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located, All rights and obligations contained in this Security Instrument are subject to any requirements and limitations of Applicable Law, Applicable Law might explicitly or implicitly allow the parties to agree by contract or it might be silent, but such silence shall not be construed as a prohibition against agreement by contract. In the event that any provision or clause of this Security Instrument or the Note conflicts with Applicable Law, such conflict shall not alTect other provisions of this Security Instrument or the Note which can be given eITect without the conflicting provision, As used in this Security Instrument: (a) words of the masculine gender shall mean and include corresponding neuter words or words of the feminine gender; (b) words in the singular shall mean and include the plural and vice versa; and (c) the word "may" gives sole discretion without any obligation to take any action. 17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument. 18. Transfer of the Property or a Beneficial Interest in Borrower, As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior wrillen consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law, If Lender exercises this option, Lender shall give Borrower notice of acceleration, The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permilled by this Security Instrument without further notice or demand on Borrower. 19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower shall have the right to have enforcement ofthis Security Instrument discontinued at any time prior to the earliest of: (a) five days before sale ofthe Pro erty COLORADO--Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3006 1/01 Page 6 of 8 Initialsa LOAN #. 998673965 pursuant to auy power of sale contained in this Security Instrument; (b) such other period as Applicable Law might specify for the termination of Borrower's right to reinstate; or (c) entry ofajudgment enforcing this Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred: (b) cures any default of any other covenants or agreements: (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attorneys' fecs, property inspection and valuation fees, and other fees incurred for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument; and (d) takes such action as Lender may reasonably require to assure that Lender's interest in the Property and rights under this Security Instrument, and Borrower's obligation to pay the sums secured by this Security Instrument, shall continue unchanged, Lender may require that Borrower pay such reinstatement sums and expenses in one or more ofthe following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality or entity; or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, this Security Instrument and obligations secured hereby shall remain fully effective as if no acceleration had occurred, However, this right to reinstate shall not apply in the case of acceleration under Section 18. 20. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a partial interest in the Note (together with this Security Instrument) can be sold one or more times without prior notice to Borrower, A sale might result in a change in the entity (known as the "Loan Servicer' ') that collects Periodic Paymcnts due undcr the Notc and this Security Instrument and performs other mortgage loan servicing obligations under the Note, this Security Instrument, and Applicable Law, There also might be one or more changes ofthe Loan Servicer unrelated to a sale of the Note. !fthere is a change ofthe Loan Servicer, Borrower will be given written notice of the change which will state the name and address of the new Loan Servicer, the address to which payments should be made and any other information RESP A requires in connection with a notice of transfer of servicing, !fthe Note is sold and thereafter the Loan is serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser. Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an individual litigant or the member of a class) that arises from the other party's actions pursuant to this Security Instrument or that alleges that the other party has breached any provision of, or any duty owed by reason of, this Security Instrument, until such Borrower or Lender has notified the other party (with such notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action, If Applicable Law provides a time period which must elapse before certain action can be taken, that time period will be deemed to be reasonable for purposes ofthis paragraph, The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective action provisions ofthis Section 20, 21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials; (b) "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection; (c) "Environmental Cleanup" includes any response action, remedial action, or removal action, as defined in Environmental Law; and (d) an "Environmental Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup, Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property, Borrower shall not do, nor allow anyone else to do, anything affecting the Property (a) that is in violation of any Environmental Law, (b) which creates an Environmental Condition, or (c) which, due to the presence, use, or release of a Hazardous Substance, creates a condition that adversely affects the value ofthe Property, The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property (including, but not limited to, hazardous substances in consumer products), Borrower shall promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge, (b) any Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of release of any Hazardous Substance, and (c) any condition caused by the presence, use or release of a Hazardous Substance which adversely affects the value of the Property, !fBorrower learns, or is notified by any governmental or regulatory authority, or any private party, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law, Nothing herein shall create any obligation on Lender for an Environmental Cleanup, NON-UNIFORM COVENANTS, Borrower and Lender further covenant and agree as follows: 22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under Section 18 unless Applicable Law provides otherwise). The notice shall specify: (a) the default; (b) the action required to cure the default; (c) a date, not less than 30 days from the date the notice is given to Borrower, by which the default must be cured; and (d) that failure to cure the default on or before the date specified in the notice may result in acceleration of the sums secured by this Security Instrument and sale of the Property, The notice shall further inform Borrower of the right to reinstate after acceleration and the right to assert in the foreelosure proceeding the non-existence of a default or any other defense of Borrowerto acceleration and sale. If the default is not cured on or before the date specified in the notice, Lender at its option may require immediate payment in full of all sums secured by this Security Instrument without further demand and may invoke the power of sale and any other remedies permitted by Applicable Law. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this Section 22, ineluding, but not limited to, reasonable attorneys' fees and costs of title evidence. If Lender invokes the power of sale, Lender shall give written notice to Trustee of the occurrence of an event of default and of Lender's election to cause the Property to be sold. Lender shall mail a copy of the notice to Borrower as provided in Section 15. Trustee shall record acopy ofthe notice in the county in which the Property is located. Trustee shall publish a notice of sale for the time and in the manner provided by Applicable Law and shall mail copies of the notice of sale in the manner prescribed by Applicable Law to Borrower and to the other persons prescribed by Applicable Law. After the time required by Applicable Law, Trustee, without demand on Borrower, shall sell the Property at public auction to the higbest bidder for COLORADO--S;ngle Family--FannJe MaeIFreddle Mac UNIFORM INSTRUMENT Xni tials I @ Form 30061/01 Page 7 of 8 ~ LOAN " 998673965 cash at the time and place and under the terms designated in the notice of sale in one or more parcels and in any order Trustee determines. Trustee may postpone sale of any parcel of the Property by public announcement at the time and place of any previously scheduled sale. Lender or its designee may purchase the Property at any sale. Trustee shall deliver to the purchaser Trustee's certificate descrihing the Property and the time the purchaser will be entitled to Trustee's deed. The recitals in the Trustee's deed shall be Ilrima facie evidence ofthe truth of the statements made therein. Trustee shall apply the proceeds of the sale in the following order: (a) to all expenses of the sale, including, but not limited to, reasonahle Trustee's and attorneys' fees; (b) to all sums secured hy this Security Instrument; and (c) any excess to the person or persons legally entitled to it. 23, Release. Upon payment of all sums secured by this Security Instrument, Lender shall request that Trustee release this Security Instrument and shall produce for Trustee, duly cancelled, all notes evidencing debts secured by this Security Instrument. Trustee shall release this Security Instrument without further inquiry or liability, Borrower shall pay any recordation costs and the statutory Trustee's fees, 24. Waiver of Homestead. Borrower waives all right of homestead exemption in the Property, BY SIGNING BELOW. Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any Rider executed by Borrower and recorded with it. ,,/~ J STRADA (Seal) STATE OF COL~O County ss. CJ...f:Jn..1Il~ The by before me this ~/~day of ~~ /JDD?- witness my hand and official seal. ~~Jl\R" ""0~,,oQoooo,,~~{~~ "~ .JiP" <01' A"n' ;0;,\;\, ;, .,oo~ pO"o "~{ ~ c ~ , , '(i , . , " . , . ~ o 0 -. , , ~;"0"d;) f{: ,/0./ 'f,'. V[]' \ '''','f)/ >::t: .:. ~:"', '. ..' j II'Jc-,..;,.;j;....<lG;~ ~')~~ Rotary Public My Commission Expires: COLORADO--Single Family--Fannle MaefFreddie Mac UNIFORM INSTRUMENT Form 3006 1/01 Page 8 of 8 COEDEED 12/98 Building Guide Colorado Chapter of the International Conference of Building Officials How to Use this Guide At least four completed documents must be provided to apply for a building permit: 1. Complete this Building Guide by filling in the blanks on page two and indicating which construction details will be used. " 2. Provide a Separate Site Plan showing dimensions of your project or addition and its relationship to existing buildings or structures on the property, Show all easements and the distance to existing property lines. 3. Provide a Floorplan. See example on page 4, 4. Fill out a Building Permit Application. The majority of permit applications are processed with little delay, The submitted documents will help determine if the project is in compliance with building safety codes, zoning ordinances and other applicable laws. The Colorado Chapter of the International Conference of Building Officials is a professional organization seeking to promote the public health, safety and welfare relative to building construction, We appreciate your feedback and suggestions, To obtain a master copy of this Building Guide, please write to Colorado Chapter of the lrtterna1ional 'ConferenCe oT~ - Building Officials, P,O, Box 961, Arvada, CO 80001. This handout was developed by the Coloredo Chapter of the Internetionel Conference of Building Officials as a basic plan submittel under the 1997 Uniform Codes, It is not intended to cover ell circumstances, Check with your Building Depertment for additional requirements, City ofWbeat Ridge Building Division 7500 W. 29th Avenue Wheat Ridge, CO 80215 (303)-235-2855 1 12/98 Single Family Residential Addition 2x_rafters spaced_" O,C. or Manufactured Trusses spaced~' O,C. (example: 2 x 10 Rah8rs Spaced 24" D.C.) NOTE: Roof not to exceed 24 foot span Sheathing -- 7/i(.p (), 'S, R (example: rhO exterior plywood) Minimum lx_ridge board_ ,~- (example:"1 x 12) 3n.. - ::, (8X8mple: Class A 3 tab shingles) Underlaymenftt3Q PCp L:r (example: 21ayers 15# feh) Ceilingl~sulation- F\/...oW I JJ (example: R..JO) Note: Attic ventilation and access may be required Wall Insulation R (z.. (example: R-13 Fiberglass Batts) Provide solid 2x blocking between rafters or trusses 2x-E-ceiIing joists @mO,C, (example: 2 x 8 tl24" O.c.) Double 2x~top plate /example: 2 x 4) Span 2~ (example: 23'5; Note: Pre-engineered roof trusses w/truss clips and hardened nails may be used in lieu of roof structure shown, Diagonal wind bracing or plywood shear paneis @ corners and each 25' of wall. Ceiling height ~ I (example: 8J </'11,.,., Siding .!l. '-" r (example: lap or 1-111) Note: Pre-engineered fioor systems may be used and should be installed . according to the manufacturers. installation instructions, Wall sheathing 1(1t~ 0":> (example: 'h" extenorplywood) '. 2x~studs@J.la O.c. (example:2x4@24"O.C.) 18" minimum from the intenor grade levei to the bottom of the floor joists, . . ~ . '* . . ++. ... ....... Engineered Design: Cassions may be required if your site has swelling soils, A foundation designed by a Colorado licensed archnect or engineer may be required, '_.- -..-. D,Foundallon: Engfneered 1<1' Foundation: Detail A (see page 3) alIWidth "73 I' (example: 8") " Property Address: I '" 310 -:5oA-j So,. I Permil#:1 Footing size Z- "x ~" (example:8"X 16#) This handout was developed by the Colorado Chapter of the International Conference of Building Officials as a basic plan submittal under the 1997 Uniform Codes. It is not intended to cover all circumstances. Check with your Building Department for additional requirements. 2 12/98 Single Family Residential Addition SIte Plan 2. landings are requred at exterior doors, The landing may 1 Wh d wi It pi be as much as eight inches lower than the floor of the . en ra ng your sean be sure to show the room, but it must be at least 3' x3', There is no limit as location of electric, gas, sewer and water service to how large it can be, lines, If you~ don't know where they are, call the Public Service Utility Notification Center of 3. Salety glass Is required at spedfic locations, When you Colorado, 1-800-922-1987, They will come out draw in the location of the new windows on the floor and locate lines for you, Remember to ask them plan, the plan reviewer can identify which ones require about the cost, safety glass, 2. Show where 1111; elilSlIiIgeTecti:ic iiliagas-mefers.t'He1lt1Irequlrell m,all hablfalJliir6iims:-SlfQw how the are located on your home, These meters may addition will be heated~iih the plan,~ -' ~~ have to be relocated and i~ is best to know this Bectric Code before you start constructIOn, Floor Plan 1. Smoke detectol'll. If the value of your addition exceeds $1000, the Uniform Building Code asks you to add an important safety tool to your home, Battery operated smoke detectors will do the job in existing areas, At least one on every level of your home, one in each bedroom, and one in the area(s) serving the bedrooms are required, The added cost is small but worth it, ExIsD1g electric service may require an upgrade or relocation, Indicate the size of your electric serVICe (the number on the main breaker) on your plan, This can help the plan reviewer determine if an upgrade is needed before you start construction, Rool Overlrame When constructing a new vaney, use a continuous board un,d~r the bottom cut of the new rafters to provide a solid naIlmg surface, The board should be at least 1" thiCK, nominal and should be at least as wide as the base of the new rafter. W' diameter steel anchor bolts 6'-0" Q,C, max" 7" min, penetration max, 12" from corner and 12" from each end of plate, Bottom plate shall be treated wood or Foundation redwood Note: Maintain at least 18" clear between -'----the bottom of the floor joists to the grade level of the crawlspace, and at least 12" under a beam, To below frost line Provide #4 rebar vert, @ 4'-0" Q,C, insert rebar into concrete footing or key way Ventilate the crawlspace with openings near the corners, The total area of the openings should be 1 square foot for each 150 square feet of crawlspace floor area, The crawlspace access must be a minimum of 18" x 24" and be unobstructed, u #4 rebar min,continuous to"pof'sfemwalf& aftooifrig-~ 3" This handout was developed by the Colorado Chapter of the International Conference of Building Officials as a basic plan submittal under the 1997 Uniform Codes. It is not intended to cover aU circumstances. Check with your Building Department for additional requirements. 3 12/98 Single Family Residential Addition Sample Floor Plan "0 UJ g! E1 (]) :> "0 - 9 UJOC: ~.!J1 >U UJ"Oal ; 8 -~ ~'~ ~ ~ g> Cl "O(])"E-g UJ 'E c: ~ (]) 'S; 'x (]) 'E (]) c: :> .~ g- ~'-g"~ l--- _UJO (])al~ '-""OQ)"O .....0.... g !l>:g (]) .s::: Cij -UJ(/J -eo "0 0 8 ~ '3: . f!? Co E.s::: :> ~ (]) , E1.co ';> Z5 0 CD "Oal UJ Co~ -"00"0 Cl >< 0= """C:"O 'S; (])c: o al ><.- :> .s::: 'E b"O:;:b;;:g~= (]) _, O>~ ' 0> as _I ~>< g- .. C') ,5"0 in ,5 a. co C/) ;;:1ii.s:::;;:1ii;;:;;:= ~ W (])'-:t= l])'- (]) (])C\l0 I- Z t.ti ;;: z !iLz z @'.g o " , ,,_ Z<(ro () ow<( 9 Co ~~ ~ <t , Co "'- ::;;: o .~.o a: Cl w aJ ~ - -I- Z W w ~ __ __-0: ... <( <!l This handout was developed by the Colorado Chapter of the Intemational Conference of Building Officials as a basic plan submittal under the 1997 Uniform Codes. It is not intended to cover all circumstances. Check with your Building Department for additional requirements. )1. -;...: ::;;: o o -a: -.--::---.@-'" aJ ,---.,~" ..: ----- ::;;: 0 0 a: Cl = -w aJ - , , C)l to '" <!l Z :> ::; [ -~---Et , o .' '" = ex> , Co ~ 4