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201307885 <br />there is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall <br />notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount <br />necessary to make up the deficiency in accordance with RESPA, but in no more than 12 <br />monthly payments. Upon payment in full of all sums secured by the Loan Documents, <br />Lender shall promptly refund to Borrower any Funds held by Lender. <br />JUAN C ZAMUDIO; 3 C 2- Initials <br />LOAN MODIFICATION AGREEMENT--Single Family — Fannie Mae Uniform Instrument Form 3162 06/06 (rev. 01/09) <br />