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(C) "Lender "is Quicken Loans Inc. <br />Lender is a Corporation <br />organized and existing under the laws of the State of Michigan <br />Lender's address is 1050 Woodward Ave, Detroit, MI 48226 -1906 <br />(D) "Trustee "is Fi rst Ameri can Ti tl e <br />(E) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is <br />acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the beneficiary <br />under this Security Instrument, MERS is organized and existing under the laws of Delaware, and has <br />an address and telephone number of P.O. Box 2026, Flint, MI 48501 -2026, tel. (888) 679 -MERS. <br />(F) "Note" means the promissory note signed by Borrower and dated January 12 , 2018 The Note <br />states that Borrower owes Lender One Hundred Forty Two Thousand One Hundred <br />Seventy Five and 00 /100 <br />Dollars (U.S. $ 142,175.00 ) plus interest. Borrower has promised to pay this debt in regular <br />Periodic Payments and to pay the debt in full not later than February 1, 2048 . <br />(G) "Property"means the property that is described below under the heading "Transfer of Rights in the <br />Property." <br />(II) "Loan" means the debt evidenced by the Note, plus interest, and late charges due under the Note, and all <br />sums due under this Security Instrument, plus interest. <br />(I) "Riders "means all Riders to this Security Instrument that are executed by Borrower. The following <br />Riders are to be executed by Borrower [check box as applicable]: <br />IX <br />Adjustable Rate Rider <br />Other Legal Attached <br />Rehabilitation Loan Rider <br />FHA Deed of Trust With MERS-NE <br />Bankers Systemem VMP <br />Wolters Kluwer Financial Services <br />I I <br />III IIIIIIIIIIIIIIIIIIIIIIIIIIIII IIIIIIIIIIIIII <br />g03393259211 III 0233 666 0217 <br />201800269 <br />Condominium Rider 0 Planned Unit Development Rider <br />(J) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, <br />ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, <br />non - appealable judicial opinions. <br />(K) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other <br />charges that are imposed on Borrower or the Property by a condominium association, homeowners <br />association or similar organization. <br />(L) "ElectronicFunds Transfer" means any transfer of funds, other than a transaction originated by check, <br />draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic <br />instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to <br />debit or credit an account. Such term includes, but is not limited to, point -of -sale transfers, automated <br />teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse <br />transfers. <br />9/30/2014 <br />VMP4N(NE) (1506).00 <br />Page 2 of 17 <br />