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202301588 <br />(C) "Lender" is <br />FAIRWAY INDEPENDENT N1C 2TE R TIC <br />Lender is a OCRPORATION <br />organized and existing under the laws of THE STATE OF TOSS <br />Lender's address is <br />4201 MARSH LANE, CAREiOLLT_a.1,, f DC 75007 <br />(D)S7�Al®�Vg34 +f� OLD REPUBLIC NATIONAL TITLE <br />INSURANCE COMPANY <br />(E) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting <br />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 <br />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 APRIL 04, 2023 . The Note <br />states that Borrower owes Lender <br />ONE HUNDRED THIRTY TWO THOUSAND TWO HUNDRED SEVENTY FIVE & NO/100 <br />Dollars (U.S. S 132,275.00 ) plus interest. Borrower has promised to pay this debt in regular <br />Periodic Payments and to pay the debt in full not later than MAY 01, 2053 <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 />Adjustable Rate Rider <br />Rehabilitation Loan Rider <br />Other [Specify] * <br />* <br />II <br />Condominium Rider <br />Planned Unit Development Rider <br />"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 />"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 />"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 <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 />321-3954038-703 <br />FHA Deed of Trust With F RS•NE <br />Banke s SystemsTM VMP <br />Wo e s Kiuwe Financial Services <br />N <br />II <br />I <br />11 <br />i <br />il <br />1555500060 <br />9/30/2014 <br />VMP4N(NE) (1506).00 <br />Page 2 of 16 <br />