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RE-RECORDED 20240431/ Certain rules regarding the usage of words used in this document are also provided in Section 17. 202404088 13706705 Parties (A) "Borrower" is JOSEPH LICEA-QUINONES AND SHAYLA N LICEA HUSBAND AND WIFE, currently residing at 8720 MONUMENT VW DR, YUCCA VALLEY, CA 92284. Borrower is the trustor under this Security Instrument. (B) "Lender" is GATEWAY MORTGAGE, A DIVISION OF GATEWAY FIRST BANK. Lender is a CORPORATION organized and existing under the laws of OK. Lender's address is 244 SOUTH GATEWAY PLACE, JENKS, OK 74037. The term "Lender" includes any successors and assigns of Lender. (C) "Trustee" is SCOTT GESELL. Trustee's address is 244 SOUTH GATEWAY PLACE, JENKS, OK 74037. The term "Trustee" includes any substitute/successor Trustee. (D) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the beneficiary under this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS. Documents (E) "Note" means the promissory note dated AUGUST 23 , 2024, and signed by each Borrower who is legally obligated for the debt under that promissory note, that is in either (i) paper form, using Borrower's written pen and ink signature, or (ii) electronic form, using Borrower's adopted Electronic Signature in accordance with the UETA or E -SIGN, as applicable. The Note evidences the legal obligation of each Borrower who signed the Note to pay Lender THREE HUNDRED SEVEN THOUSAND NINE HUNDRED TWENTY AND 00/100 Dollars (U.S. $307 , 920. 00) plus interest. Each Borrower who signed the Note has promised to pay this debt in regular monthly payments and to pay the debt in full not later than SEPTEMBER 1, 2054. (F) "Riders" means all Riders to this Security Instrument that are signed by Borrower. All such Riders are incorporated into and deemed to be a part of this Security Instrument. The following Riders are to be signed by Borrower [check box as applicable]: ❑ Adjustable Rate Rider ❑ Condominium Rider ❑ Other(s) [specify] ❑ 1-4 Family Rider ® Planned Unit Development Rider ❑ Second Home Rider (G) "Security Instrument" means this document, which is dated AUGUST 23, 2024, together with all Riders to this document. Additional Definitions (H) "Applicable Law" means all controlling applicable federal, state, and local statutes, regulations, ordinances, and administrative rules and orders (that have the effect of law) as well as all applicable final, NEBRASKA—Single Family—Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 07/2021 Lig 25306.5 Page 2 of 21 i Initials -S