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202010298
<br />0424370674
<br />Words used in multiple sections of this document are defined below and other words are defined in Sections
<br />3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided
<br />in Section 16.
<br />(A) "Security Instrument" means this document, which is dated DECEMBER 30, 2020, together with all
<br />Riders to this document.
<br />(B) "Borrower" is KEITH D O' BRIEN AND LIANG M O' BRIEN, HUSBAND AND WIFE.
<br />Borrower is the trustor under this Security Instrument.
<br />(C) "Lender" is NATIONSTAR MORTGAGE LLC D/B/A MR. COOPER. Lender is a LIMITED
<br />LIABILITY COMPANY organized and existing under the laws of DELAWARE. Lender's address is 8950
<br />CYPRESS WATERS BLVD., DALLAS, TX 75019.
<br />(D) "Trustee" is ERIC H. LINDQUIST.
<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 under
<br />this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address
<br />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 DECEMBER 30 , 2 02 0. The Note
<br />states that Borrower owes Lender TWO HUNDRED SIX THOUSAND AND 00/100 Dollars (U.S.
<br />$206,000.00) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to
<br />pay the debt in full not later than JANUARY 1, 2051.
<br />(G) "Property" means the property that is described below under the heading "Transfer of Rights in the
<br />Property."
<br />(H) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges
<br />due under the Note, and all sums due under this Security Instrument, plus interest.
<br />(1) "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 />D Adjustable Rate Rider ❑ Condominium Rider ❑ Second Home Rider
<br />❑ Balloon Rider ❑ Planned Unit Development Rider 0 Biweekly Payment Rider
<br />0 1-4 Family Rider ❑ Other(s) [specify]
<br />® VA 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, non
<br />-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) "Electronic Funds 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 instrument,
<br />computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an
<br />account. Such term includes, but is not limited to, point-of-sale transfers, automated teller machine
<br />transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers.
<br />(M) "Escrow Items" means those items that are described in Section 3.
<br />(N) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by
<br />any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i)
<br />damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property;
<br />NEBRASKA --Single Family-- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
<br />[x 338.46 Page2ofl5
<br />Form 3028 1/01
<br />Modified for VA
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