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\ )11111111111 <br />0 <br />Return To: <br />INDECCNM GIAHAL SERVICES <br />NIS—FD—FW-9909, 1427 ENERGY PARK DR. <br />ST. PAUL, NN 55108 <br />Prepared By: <br />DENNIS P. SCIZ , ATTORNEY <br />SCFWARrZ & ASSOCIATES <br />1446 HERITAGE DRIVE <br />1K.'Y, TEXAS 75069 <br />972-562-1966 <br />C) <br />"J <br />MIN 100392411209939571 <br />Space Above This Line For Recording Data] <br />r -i <br />ri <br />rri <br />m <br />N C. <br />O <br />(11N) <br />CD C: � <br />CO <br />N ._..� <br />c. it)) °° <br />NOTICE: THIS LOAN IS NOT ASSUMABLE WITHOUT THE APPROVAL OF <br />=. THE DEPARTMENT OF VETERANS AFFAIRS OR ITS AUTHORIZED AGENT. <br />REFINANCE <br />DEED OF TRUST <br />DEFINITIONS <br />(') Words used in multiple sections of this document are defined below and other words are defined in Sections 3, <br />11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in <br />Section 16. <br />(A) "Security Instrument" means this document, which is dated DES 15, 2021 , together with <br />all Riders to this document. <br />(B) "Borrower" is <br />STEPHEN J SPAULDING AND DEBORAH A SPAULDING, CO—TRUSTEES OF THE SPAULDING <br />LIVING TRUST DATED JULY 18, 2012 <br />Borrower is the trustor under this Security Instrument. <br />(C) "Lender" is <br />FAIRWAY INDEPENDENT MORTGAGE C RPORATICN D/B/A HCNIEFINITY <br />Lender is a CORPO6RATICN <br />organized and existing under the laws of THE STATE OF TEXAS <br />34-34-6-0246789 <br />NEBRASKA -Single Family -Fannie Mae/Freddie Mac UNIFORM INSTRUMENT WITH MERS <br />VMP .) <br />Wol ers Kluwe Financ a Sery ces <br />iu <br />u <br />il <br />7180502143 <br />Form 3028 1/01 <br />VMP6A(NE) (1302).00 <br />Page 1 of 15 <br />