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<br />In consideration of the mutual promises and agreements exchanged, the parties hereto agree as
<br />follows (notwithstanding anything to the contrary contained in the Note or Security Instrument):
<br />1. As of, APRIL 1, 2013, the amount payable under the Note and the Security Instrument(the "Unpaid
<br />Principal Balance ") is U.S. $82,728.33, consisting of the unpaid amount(s)loaned to Borrower by
<br />Lender plus any interest and other amounts capitalized.
<br />2. Borrower promises to pay the Unpaid Principal Balance, plus interest, to the order of Lender Interest
<br />will be charged on the Unpaid Principal Balance at the yearly rate of 3.8750 %, from APRIL 1, 2013.
<br />Borrower promises to make monthly payments of principal and interest of U.S. $ 389.02, beginning
<br />on the 1ST day of MAY, 2013, and continuing thereafter on the same day of each succeeding month
<br />until principal and interest are paid in full. The yearly rate of 3.8750% will remain in effect until
<br />principal and interest are paid in full. If on APRIL 1, 2043 (the "Maturity Date "), Borrower still owes
<br />amounts under the Note and the Security Instrument, as amended by this Agreement, Borrower will
<br />pay these amounts in full on the Maturity Date.
<br />3. If all or any part of the Property or any interest in the Property is sold or transferred (or if Borrower is
<br />not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior
<br />written consent, Lender may require immediate payment in full of all sums secured by the Security
<br />Instrument.
<br />If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall
<br />provide a period of not less than 30 days from the date the notice is delivered or mailed within which
<br />Borrower must pay all sums secured by the Security Instrument. If Borrower fails to pay these sums
<br />prior to the expiration of this period, Lender may invoke any remedies permitted by the Security
<br />Instrument without further notice or demand on Borrower.
<br />4. Borrower also will comply with all other covenants, agreements, and requirements of the Security
<br />Instrument, including without limitation, Borrower's covenants and agreements to make all payments
<br />of taxes, insurance premiums, assessments, escrow items, impounds, and all other payments that
<br />Borrower is obligated to make under the Security Instrument; however, the following terms and
<br />provisions are forever canceled, null and void, as of the date specified in paragraph No. 1 above:
<br />(a) all terms and provisions of the Note and Security Instrument (if any) providing for,
<br />implementing, or relating to, any change or adjustment in the rate of interest payable under the
<br />Note, including, where applicable, the Timely Payment Rewards rate reduction, as described in
<br />paragraph 1 of the Timely Payment Rewards Addendum to Note and paragraph A.1. of the
<br />Timely Payment Rewards Rider. By executing this Agreement, Borrower waives any Timely
<br />Payment Rewards rate reduction to which Borrower may have otherwise been entitled; and
<br />(b) all terms and provisions of any adjustable rate rider, or Timely Payment Rewards Rider, where
<br />applicable, or other instrument or document that is affixed to, wholly or partially incorporated
<br />into, or is part of, the Note or Security Instrument and that contains any such terms and
<br />provisions as those referred to in (a) above.
<br />5. If the Borrower has, since inception of this loan but prior to this Agreement, received a discharge
<br />in a Chapter 7 bankruptcy, and there having been no valid reaffirmation of the underlying debt,
<br />by entering into this Agreement, the Lender is not attempting to re- establish any personal
<br />liability for the underlying debt.
<br />FHA/VA HUD -HAMP Loan Modification Agreement 12192013_111 WD12106.1 9902203965
<br />First American Mortgage Services Page 2
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