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202206948
<br />3512479785
<br />MI 48226.
<br />(D) "Trustee" is First American Title.
<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 September 21, 2022. The Note
<br />states that Borrower owes Lender One Hundred Fifteen Thousand And 00/100 Dollars (U.S.
<br />$115 , 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 October 1, 2052.
<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 />(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 />❑ Adjustable Rate Rider
<br />0 Balloon Rider
<br />0 1-4 Family Rider
<br />0 Condominium Rider 0 Second Home Rider
<br />❑ Planned Unit Development Rider ❑ Biweekly Payment Rider
<br />❑ Other(s) [specify]
<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) "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 />(iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or
<br />condition of the Property.
<br />(0) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on,
<br />the Loan.
<br />(P) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the
<br />Note, plus (ii) any amounts under Section 3 of this Security Instrument.
<br />Rocket Mortgage , LLC (NMLS #: 3030) I Rocket Mortgage, LLC (NMLS #: 3030) I Adam A Salim (NMLS #:
<br />2163667)
<br />NEBRASKA --Single Family-- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
<br />CI 338.48 Page 2 of 15
<br />Form 30281/01
<br />liii 11111
<br />Q10351247978500202000233f4ccf5ba-7cba-4a7e-b8a2-be9128a519e50215
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