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� ' 2� 17� 155� . e , r � L�T T�VV� �2), BI��K. T�VENTY-THREE �23�, Ii� SCARFF'S ADDITYaP1i T� �EST LAV�N, AN AUDITI�N T�TH��ITY�F GRAND ISL��D,HALL��UNTY NEBRASI{� Prior instrument refer�ence: Recorded on A[��ST�, Z�48 in �NSTR[TMENT 11iQ. 02UU8U6678, of the Official Records of��tLL�4UNTY,NEBRAS�A This FHA Home AffQrdable Modif cati�n Agreement�"Agreement"}is made on FEBRUARY 8,Z017 by and between Borrower, as obligor{s), or a5 trtt�e holder�s}tv the Pr,aperty, as the context rnay require, and Lender. Borror�ver's ab�igations under the Nate are secured by a prvperly recorded Mortgage,da�ed the same date as the Note encumbering the Fraperty. Barrower agrees tha�, except as expressly modified in this Agreement, the Note and�h�Martgage remain in full force and effect and are�alid,binding obligations upon Bocrower,except as discharged in Ba�ikruptcy, a�id are properly secured by the Proper�y. Nothing in �his Agreement shall be understood or consfrued ta be a satisfaction or rel�ase, in vvhole or in par�of the Borrawer's obligations under the Loan D�cuments. �f my represeiitation�iM Section 1,Barrower Representations,eontinue to be true in ali material respecrs, then this Agceement r�rrilt,as set for�h in Section 3, am�nd and supplement[1)the Mortgage on the Property,and��} the Note secured b� the Mortgage. The M�rtgage and Nate together, as �hey rna� previously ha�e been amended,are referred�a as the"Loan Documents." Capitalized terms used sn this�greement and not defined have#he meaniz�g gi�en to them Yn�he Loan Docum�nts. 1. B�rrawer Repres�ntations. �cer�ify,represent ta Lender and agree: A. r am experiencing a financial hardship, and as a result, (i} I am in defa.u�t under the terms of the Loan �ocuments, and �ii} I do not ha�� sufficient income ar access to sufficient liquid assets t� malce th� n��ntl�ly mortgage payine�ts now ar in the near future; I did not intentionally or purpasefull�default on the terms of th�Loan Dacuments in order to�btain�l�an modif cation; B. I certify the Propert�is n�t condemned and is not Wacant withou�the inten��c�re-occupy; 5 C. There has been n❑ impermissible change in the ownership of the Propert�r since I signed the Loan Documents; D. I ha�e proWided documentation far all income that�recei�e tand I unders��nd that I am not required to disclose child support or a��mony unless I ch�se to rely on s«ch income when requesting ta qualify for t�e FHA Home Affordabie Modification Program t"Program")�; E. Under penalty of perjury, all dacuments and infarmatron x ha�e pr�wided to L�nder in cannection with �his Agreetnent, including the �ocuments and information regarding my el igibil it� for the �Program,a�-re true and correct; F. If Lend�r rea�ires me to obtain credit cfl�nseling in connecti�n with the F�agram,I will do so;and, 2. �lcknowledger�ents�nd Preconditions to 11�adificatian. Vl�ells Farga Custom FHA Home Ai�ordable Maclificat:on Agr�ement ��8��i� 1��5��1b 445 Fage�