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202302458
<br />3526251065
<br />Avenue, Detroit, MI 48226-1906. The term "Lender" includes any successors and assigns of
<br />Lender.
<br />(C) "Trustee" is First American Title Insurance Company. Trustee's address is 1 First
<br />American Way, Santa Ana, CA 92707. The term "Trustee" includes any substitute/successor Trustee.
<br />(D) "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 />Documents
<br />(E) "Note" means the promissory note dated May 17, 2023, and signed by each Borrower who is legally
<br />obligated for the debt under that promissory note, that is in either (i) paper form, using Borrower's written
<br />pen and ink signature, or (ii) electronic form, using Borrower's adopted Electronic Signature in accordance
<br />with the UETA or E -SIGN, as applicable. The Note evidences the legal obligation of each Borrower who
<br />signed the Note to pay Lender One Hundred Seventy—Two Thousand And 00/100 Dollars (U.S.
<br />$172 , 000.00) plus interest. Each Borrower who signed the Note has promised to pay this debt in regular
<br />monthly payments and to pay the debt in full not later than June 1, 2053.
<br />(F) "Riders" means all Riders to this Security Instrument that are signed by Borrower. All such Riders are
<br />incorporated into and deemed to be a part of this Security Instrument. The following Riders are to be signed
<br />by Borrower [check box as applicable]:
<br />❑ Adjustable Rate Rider 0 Condominium Rider 0 Other(s) [specify]
<br />0 1-4 Family Rider 0 Planned Unit Development Rider
<br />0 Second Home Rider
<br />(G) "Security Instrument" means this document, which is dated May 17, 2023, together with all Riders
<br />to this document.
<br />Additional Definitions
<br />(H) "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 />(I) "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 />(J) "Default" means: (i) the failure to pay any Periodic Payment or any other amount secured by this
<br />Security Instrument on the date it is due; (ii) a breach of any representation, warranty, covenant, obligation,
<br />or agreement in this Security Instrument; (iii) any materially false, misleading, or inaccurate information or
<br />statement to Lender provided by Borrower or any persons or entities acting at Borrower's direction or with
<br />Borrower's knowledge or consent, or failure to provide Lender with material information in connection with
<br />the Loan, as described in Section 8; or (iv) any action or proceeding described in Section 12(e).
<br />(K) "Electronic Fund 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 />Rocket Mortgage, LLC (NMLS #: 3030) I Rocket Mortgage, LLC (NMLS #: 3030) I Robert J Willingham
<br />(NMLS #: 2218846)
<br />NEBRASKA—Single Family—Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 07/2021
<br />1011 25306.5 Page 2 of 20
<br />IIIIIMIMMtlek
<br />01035262510650020200023303541aba-40ea-48f5-9791-beld813d3de90220
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