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202503380
<br />(d) Surplus; Shortage and Deficiency of Funds. In accordance with RESPA, if there is a surplus of
<br />Funds held in escrow, Lender will account to Borrower for such surplus. If Borrower's Periodic Payment is
<br />delinquent by more than 30 days, Lender may retain the surplus in the escrow account for the payment of the
<br />in escrow, Lender
<br />and
<br />Escrow rItems.l If there is a rhtheage or deficiency of amountt necessary to Fundsheld
<br />updthe shortage or deficiency ill in accordancetify with
<br />Borrower will pay to Lender
<br />RESPA.
<br />Upon payment in full of all sums secured by this Security Instrument, Lender will promptly refund to
<br />Borrower any Funds held by Lender.
<br />4. Charges; Liens. Borrower must pay (a) all taxes, assessments, charges, fines, and impositions
<br />iority over this Security Instrument, (b)
<br />hold
<br />payments
<br />s to he Property whichP Property,
<br />typriority any,r a d attaincComrmun Community Association Dues, Fees, and Assessments,
<br />payments or ground rents on thep ty
<br />if any. If any of these items are Escrow Items, Borrower will pay them in the manner provided in Section 3.
<br />Borrower must promptly discharge any lien that has priority or may attain priority over this Security
<br />lien in a
<br />manner
<br />acceptable unless t Borrower: T (aa) but onlyees in writing to the payment of the obligation secured by so long as Borrower is performing under such agreement; (bb) the
<br />the
<br />manner to Lender, y
<br />lien in good faith by, or defends against enforcement of the lien in, legal proceedings which Lender determines,
<br />in its sole discretion, operate to prevent the enforcement of the lien while those proceedings are pending, but only
<br />er of
<br />factory to
<br />until such proceedings are concluded; lieln to thiors
<br />(cc) secures from Security Instrumenthe (collectively,�the e t'Requirn an edeement Actions"). If Lender
<br />Lender that subordinates
<br />determines I that any part oo owtheer has not taken any of theroperty is subject to a ien that has priority Required Actions in or
<br />attain
<br />priority len, Lender may
<br />Security Instrument and Borrower
<br />give Borrower a notice identifying the lien. Within 10 days after the date on which that notice is given, Borrower
<br />must satisfy the lien or take one or more of the Required Actions.
<br />5. Property Insurance.
<br />(a) Insurance Requirement; Coverages. Borrower must keep the improvements now existing or
<br />subsequently erected on the Property ured against loss but not limited to, earthquakes, y fire, hazards incluwinds,ed within and floodshe forerm whichxLender
<br />coverage,"and any other hazards including,
<br />requires insurance. Borrower eireri maintain
<br />the types
<br />What Lender requires pursuant mote (including
<br />deductible levels) and for t p
<br />Law.
<br />can change e the teinsurance ance carrier proof the Loan, viding the insurance, subject to Lender'may exceed any minimum coverage surightto disapprove
<br />Law. Borrower may choose the
<br />Borrower's choice, which right will not be exercised unreasonably.
<br />(b) Failure to Maintain Insurance. If Lender has a reasonable basis to believe that Borrower has failed to
<br />maintain any of the required insurance coverages described above, Lender may obtain insurance coverage, at
<br />less
<br />uired by
<br />licable Law, Lender is
<br />n to
<br />e'sremoption and t or to seek to pense. reinstate, any prior lapsed coverage obtained by Borrower. Lenderno isunder
<br />advance premiums for,
<br />no obligation to purchase any particular type or amount of coverage and may select the provider of such insurance
<br />o do so under
<br />Aitsl sole disw, An. Befosuch c vepurahewiIl insure Lendsuch er, but might not protect Borrower,e, Lender will notify Borrower Borrowerrequired 's equity in the
<br />Applicable Law. Any such coverage
<br />Property, or the contents of the Property, against any risk, hazard, or liability and might provide greater or lesser
<br />coverage than was previously in effect, but not exceeding the coverage required under Section 5(a). Borrower
<br />321-4072828-703
<br />NEBRASKA - FHA Deed of Trust With MERS
<br />FAIRWAY INDEPENDENT MORTGAGE CORPORATION - NMLS 2289
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<br />70228MNE 01/2023
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