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E69906I.0Z Retum Filed Documents To: West Gate Bank PO Box 67069 Lincoln, NE 68506-7969• cif 6q 1 t4 rn Z mnu ntA•• a N r.L::, C S> X) C-)-4 C D —4 rn m -, N (:- -., (i) 0.3 -T1 "-- (!) i rTl ---In m rn .T) r 1 -" o _3 r– r- . r— CO 7c 1 i (1) [Space Above This Line For Recording Data] LOAN MODIFICATION AGREEMENT (Providing for Fixed Interest Rate) MERS MIN: 1003601-0000336441-1 MERS Phone: 1-888-679-6377 This Loan Modification Agreement ("Agreement"), made this J day of C , between Jeanette Marie Anderson f/k/a Jeanette M Soto ("Borrower"), West Gate Bank ("Lender"), and Mortgage Electronic Registration Systems, Inc. ("MERS") [(`Beneficiary")], amends and supplements (1) the Mortgage, Deed of Trust, or Security Deed (the "Security Instrument") dated November 7, 2018 and recorded as Instrument No. 201809313, of the Records of Hall County Register of Deeds and (2) the Note, bearing the same date as, and secured by, the Security Instrument, which covers the real and personal property described in the Security Instrument and defined therein as the "Property", located at 305 W 12th St. Wood River, NE 68883 (Property Address) the real property described being set forth as follows: LOT 4, BLOCK D, FIRST ADDITION TO THE VILLAGE OF WOOD RIVER, HALL COUNTY, NEBRASKA In consideration of the mutual promises and agreements exchanged, the parties hereto agree as follows (notwithstanding anything to the contrary contained in the Note or Security Instrument): 1. As of November 1, 2019 the amount payable under the Note and the Security Instrument (the "Unpaid Principal Balance") is U.S. $47,058.48, consisting of the unpaid amount(s) loaned to Borrower by Lender plus any interest and other amounts capitalized. 2. Borrower promises to pay the Unpaid Principal Balance, plus interest, to the order of Lender. Interest will be charged on the Unpaid Principal Balance at the yearly rate of 4.875%, from October 1, 2019. Borrower promises to make monthly payments of principal and interest of U.S. $313.47, current escrow (taxes and insurance) of U.S. $ 162.29 (amount subject to change due to future escrow analyses) for the new modified payment of U.S. $475.76 beginning on the 1st day of November 2019 and continuing thereafter on the same day of each succeeding month until principal and interest are paid in full. The yearly rate of 4.875% will remain in effect until principal and interest are paid in full. If on March 1, 2039 (the "Maturity Date"), Borrower still owes amounts under the Note and the Security Instrument, as amended by this Agreement, Borrower will pay these amounts in full on the Maturity Date. 3. If all or any part of the Property or any interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by the Security Instrument. LOAN MODIFICATION AGREEMENT—Single Family—Fannie Mae UNIFORM INSTRUMENT Form 31791/01 (rev. 4/14) (page 1 of 4)