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<br />LOAN MODIFICATION AGREEMENT
<br />(Providing for Fixed Interest Rate)
<br />This Loan Modification Agreement ( "Agreement "). Made this... 27th day of ......... February ..............................
<br />2001. between ...Mitchell R. Christensen, a single person ........ ..............................( "Borrower ") and... Commercial Federal
<br />Mortgage Corporation ......................................... ..............................( "Lender "). amends and supplements (1) the
<br />Mortgage Deed of Trust or Deed to Secure Debt (the "Security Instrument ") dated... October 29,1990 ........... and recorded in Book
<br />or Liber ... 90 ................................... ............................... at page(s) ...106176............. of the .....................
<br />Official ......................... Records of ............ Hall County, Nebraska ...........................
<br />[Name of Records] [County and State or other Jurisdiction]
<br />and (2) the Note bearing the same date as and secured by, the Security Instrument, which covers the real and personal property
<br />described in the Security Instrument and defined therein as the "Property", located at ............... ...............................
<br />......1820 West 111h Avenue, Grand Island, Nebraska 68803 ........... ...............................
<br />[Property Address]
<br />the real property described being set forth as follows:
<br />Lot Eleven (11), Block Six (6), in Boggs and Hill's Addition to the City of Grand Island, Hall County,
<br />Nebraska
<br />In consideration of the mutual promises and agreements exchanged, the parties hereto agree as follows (notwithstanding
<br />anything to the contrary contained in the Note or Security Instrument):
<br />1. As of... March 1, 2001..........., the amount payable under the Note and the Security Instrument (the "Unpaid
<br />Principal Balance ") is U.S. $ twenty -six thousand four hundred seventy -three dollars and fifteen cents
<br />($26,473.15)........, consisting of the amount(s) loaned to the Borrower by the Lender and any interest capitalized to
<br />date.
<br />2. The Borrower promises to pay the Unpaid Principal Balance, plus interest, to the order of the Lender. Interest will be
<br />charged on the Unpaid Principal Balance at the yearly rate of ...8.0....% from ...March 1, 2001
<br />... The Borrower promises to make monthly payments of principal and interest of U.S. $...222.96 ............. beginning
<br />on the ...1st............ day of ... April .............................. 2001..... and continuing thereafter on the same day of
<br />each succeeding month until principal and interest are paid in full. If on ...November 1, 2020.. (the "Maturity Date "),
<br />the Borrower still owes amounts under the Note and the Security Instrument as amended by this Agreement, the
<br />Borrower will pay these amounts in full on the Maturity Date.
<br />The Borrower will make such payments at ......... P.O. Box 1103 Omaha, NE 68101- 1103 .. ...............................
<br />or at such other place as the Lender may require.
<br />3. If all or any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in the Borrower is
<br />sold or transferred and the Borrower is not a natural person) without the Lender's prior written consent, the Lender may,
<br />at its option, require immediate payment in full of all sums secured by this Security Instrument.
<br />If the Lender exercises this option, the Lender shall give the Borrower notice of acceleration. The notice shall provide a
<br />period of not less than 30 days from the date the notice is delivered or mailed within which the Borrower must pay all
<br />sums secured by this Security Instrument. If the Borrower fails to pay these sums prior to the expiration of this period,
<br />the Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on the
<br />Borrower.
<br />4. The Borrower also will comply with all other covenants, agreements, and requirements of the Security Instrument,
<br />including without limitation, the Borrower's covenants and agreements to make ali payments of taxes, insurance
<br />premiums, assessments, escrow items, impounds, and all other payments that the Borrower is obligated to make under
<br />the Security ?nstrume' t: howev°r, the fullowlllg terms aad prJvislom, are iorl:VCr caiiccled, null and voids, a.,, of the date
<br />specified in paragraph No. I above:
<br />(a) all terms and provisions of the Note and Security Instrument (if any) providing for, implementing, or relating to, any
<br />change or adjustment in the rate of interest payable under the Note; and
<br />(b) all terms and provisions of any adjustable rate rider or other instrument or document that is affixed to, wholly or
<br />partially incorporated 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 />LOAN MODIFICATION AGREEMENT- Single Family- Fannie Mae Uniform Instrument Form 3179 2/88
<br />(page I of 2 pages)
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<br />Line For Recording Data]
<br />LOAN MODIFICATION AGREEMENT
<br />(Providing for Fixed Interest Rate)
<br />This Loan Modification Agreement ( "Agreement "). Made this... 27th day of ......... February ..............................
<br />2001. between ...Mitchell R. Christensen, a single person ........ ..............................( "Borrower ") and... Commercial Federal
<br />Mortgage Corporation ......................................... ..............................( "Lender "). amends and supplements (1) the
<br />Mortgage Deed of Trust or Deed to Secure Debt (the "Security Instrument ") dated... October 29,1990 ........... and recorded in Book
<br />or Liber ... 90 ................................... ............................... at page(s) ...106176............. of the .....................
<br />Official ......................... Records of ............ Hall County, Nebraska ...........................
<br />[Name of Records] [County and State or other Jurisdiction]
<br />and (2) the Note bearing the same date as and secured by, the Security Instrument, which covers the real and personal property
<br />described in the Security Instrument and defined therein as the "Property", located at ............... ...............................
<br />......1820 West 111h Avenue, Grand Island, Nebraska 68803 ........... ...............................
<br />[Property Address]
<br />the real property described being set forth as follows:
<br />Lot Eleven (11), Block Six (6), in Boggs and Hill's Addition to the City of Grand Island, Hall County,
<br />Nebraska
<br />In consideration of the mutual promises and agreements exchanged, the parties hereto agree as follows (notwithstanding
<br />anything to the contrary contained in the Note or Security Instrument):
<br />1. As of... March 1, 2001..........., the amount payable under the Note and the Security Instrument (the "Unpaid
<br />Principal Balance ") is U.S. $ twenty -six thousand four hundred seventy -three dollars and fifteen cents
<br />($26,473.15)........, consisting of the amount(s) loaned to the Borrower by the Lender and any interest capitalized to
<br />date.
<br />2. The Borrower promises to pay the Unpaid Principal Balance, plus interest, to the order of the Lender. Interest will be
<br />charged on the Unpaid Principal Balance at the yearly rate of ...8.0....% from ...March 1, 2001
<br />... The Borrower promises to make monthly payments of principal and interest of U.S. $...222.96 ............. beginning
<br />on the ...1st............ day of ... April .............................. 2001..... and continuing thereafter on the same day of
<br />each succeeding month until principal and interest are paid in full. If on ...November 1, 2020.. (the "Maturity Date "),
<br />the Borrower still owes amounts under the Note and the Security Instrument as amended by this Agreement, the
<br />Borrower will pay these amounts in full on the Maturity Date.
<br />The Borrower will make such payments at ......... P.O. Box 1103 Omaha, NE 68101- 1103 .. ...............................
<br />or at such other place as the Lender may require.
<br />3. If all or any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in the Borrower is
<br />sold or transferred and the Borrower is not a natural person) without the Lender's prior written consent, the Lender may,
<br />at its option, require immediate payment in full of all sums secured by this Security Instrument.
<br />If the Lender exercises this option, the Lender shall give the Borrower notice of acceleration. The notice shall provide a
<br />period of not less than 30 days from the date the notice is delivered or mailed within which the Borrower must pay all
<br />sums secured by this Security Instrument. If the Borrower fails to pay these sums prior to the expiration of this period,
<br />the Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on the
<br />Borrower.
<br />4. The Borrower also will comply with all other covenants, agreements, and requirements of the Security Instrument,
<br />including without limitation, the Borrower's covenants and agreements to make ali payments of taxes, insurance
<br />premiums, assessments, escrow items, impounds, and all other payments that the Borrower is obligated to make under
<br />the Security ?nstrume' t: howev°r, the fullowlllg terms aad prJvislom, are iorl:VCr caiiccled, null and voids, a.,, of the date
<br />specified in paragraph No. I above:
<br />(a) all terms and provisions of the Note and Security Instrument (if any) providing for, implementing, or relating to, any
<br />change or adjustment in the rate of interest payable under the Note; and
<br />(b) all terms and provisions of any adjustable rate rider or other instrument or document that is affixed to, wholly or
<br />partially incorporated 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 />LOAN MODIFICATION AGREEMENT- Single Family- Fannie Mae Uniform Instrument Form 3179 2/88
<br />(page I of 2 pages)
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