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HomeMy WebLinkAboutRES 112525-5.D - ETJ Disannexation - Janke, 2520 CR 152, 14.215 acres, R039740RESOLUTION NO. 1125 0 '5•,D A RESOLUTION OF THE CITY COUNCIL OF THE CITY OF GEORGETOWN, TEXAS ("GEORGETOWN") RELEASING APPROXIMATELY 14.215 ACRES OF LAND FROM THE CITY OF GEORGETOWN'S EXTRATERRITORIAL JURISDICTION ("ETJ"), SAID LAND IDENTIFIED BY THE WILLIAMSON COUNTY APPRAISAL DISTRICT AS PARCEL R039740 AND BEING LOCALLY KNOWN AS 2520 COUNTY ROAD 152, GEORGETOWN, WILLIAMSON COUNTY, TEXAS, RESULTING IN A REDUCTION OF GEORGETOWN'S ETJ; AND PROVIDING AN EFFECTIVE DATE. WHEREAS, on October 16, 2025, the City of Georgetown, Texas, received a petition requesting release from its ETJ of an approximately 14.215 acre tract of land in the Maria Jesusa Garcia Survey (the "Petition"), a true and correct copy of such Petition being attached hereto as Exhibit A and incorporated herein by reference; and WHEREAS, pursuant to Subchapter D of Chapter 42 of Local Government Code, landowners or residents may submit a petition seeking release of an area of land from the City's ETJ; and WHEREAS, the City Secretary has reviewed the Petition and confirmed that it meets the requirements of Subchapter D of Chapter 42 of the Local Government Code and the petition requirements of Chapter 277 of the Election Code. NOW, THEREFORE, BE IT RESOLVED BY THE CITY COUNCIL OF THE CITY OF GEORGETOWN, TEXAS: SECTION 1. The City Council of the City of Georgetown, Texas ("City Council"), does hereby find that the forgoing recitals are true and correct and adopts the recitals by this reference for all purposes. SECTION 2. To the extent required by state law, the City Council does hereby adjust the boundaries and limits of the ETJ of the City of Georgetown, Texas, such that the ETJ of the City of Georgetown, Texas, shall be and is hereby adjusted to release and remove the Area subject to the Petition, as such Area is more particularly described and depicted in Exhibit B attached hereto and incorporated herein by reference, from the ETJ of the City of Georgetown, Texas. SECTION 3. The City Council is not consenting to this reduction of its ETJ except as required by state law. SECTION 4. This Resolution shall take effect immediately upon its passage. Page 11 Resolution No. I I X5,25 —5• D Release of Petition Area — Janke PASSED AND APPROVED by the City Council of the City of Georgetown, Texas, on the Z dayof 72025. CITY OF,"QkGETOWN, TEXAS Mayor ATTEST: By: Robyn Dens re, City Secretary APPROVED AS TO FORM: sy: Skye M sson, City Attorney Page 12 Resolution No. I % sgff -5. .D Release of Petition Area — Janke Exhibit A Petition Resolution No. Release of Petition Area rU11RM -1,,1E A LI L- OCT 16 2025 C1'1Y SEC. PETITION FOR RELEASE OF APPROXIMATELY14.215 ACRES FROM THE EXTRATERRITORIAL JURISDICTION OF THE CITY OF GEORGETOWN, TEXAS The undersigned petitioners ("'Petitioners," whether one or more), acting pursuant to the provisions of Texas Local Government Code, Chapter 42, Subchapter D, as amended, file this petition and request that the City of Georgetown (the "City") release the area depicted and described on Exhibit "A" attached hereto and incorporated herein (the "Land"), located within the extraterritorial jurisdiction ("ETJ") of the City, and within Williamson County, Texas, from the City's ETJ. In support of this petition Petitioners represent the following: Section 1. Pursuant to Local Government Code Section 42.102(b), Petitioners, being the owner or owners of a majority in value of the Land, file this petition for the Land to be released from the City's ETJ. Section 2. Pursuant to Local Government Code, Section 42.104(a)(2), the signatories to this petition are a majority in value of the holders of title of the Land, as indicated by the current tax roll of the Williamson Central Appraisal District, and evidenced by the current tax roll attached as Exhibit `B" hereto. Section 3. Exhibit "A" hereto includes a map of the Land and describes the boundaries of the Land by metes and bounds. Section 4. The Land is not subject to any of the exceptions to the applicability of Local Government Code, Chapter 42, Subchapter D, as amended, as described in Local Government Code, Section 42.101. Section 5. All signatories, if more than one, have signed this petition not later than the 180th day after the date the first signature for this petition was obtained. Section 6. This Petition shall be verified by the City Secretary of the City or other person at the City responsible for verifying signatures. Section 7. The City shall notify the residents or landowners of the Property of the results of this Petition, which notification requirement may be satisfied by notifying the Petitioners in writing. Section 8. If the City fails to take action to release the Land by the later of (a) the 45th day after the date the City receives this petition, or (b) the next meeting of the city council of the City that occurs after the 30th day after the date the City receives this petition, the Land shall be released by operation of law. The Petitioners request that the City immediately release the Land from the City's ETJ and this petition will be filed with the City Secretary in support of such release and recorded in the Official Public Records of Williamson County, Texas. PETITIONERS: William Joseph nke Maurine Ann Janke The following information is required by Local Government Code, Sections 42.103 and 42.104(a), to be completed for this petition in accordance with Texas with Texas Election Code, Section 277.002, "Validity of Petition Signatures". Signer's Printed Name: William Joseph Janke Signer's Date of Birth: Signer's Residence Address: 2520 County Road 152, Georgetown, Texas 78626 Date of Signing: z 2025 Signer's Printed Name: Maurine Ann Janke Signer's Date of Birth: Signer's Residence Address: 2520 County Road 152 Georgetown, Texas 78626 Date of Signing: 2 L,�Z / , 2025 2 STATE OF TEXAS COUNTY OF WILLIAMSON t�- This instrument was acknowledged before me on this Q I day of 5cpk r,2025, by William Joseph Janke. (SEAL) Notary Public in and for the State of Texas STATE OF TEXAS COUNTY OF WILLIAMSON 4§0" CARMEN LMOSER My Notary ID # 124776554 Expires April 19, 2028 This instrument was acknowledged before me on this Q I Otday of bepAy-joar,2025, by Maurine Ann Janke. (SEAL) Notary Public in and for the State of Texas -,4,Y2 CARMEN L. MOSER My Notary ID # 124776554 Expires April 19, 2028 v o�A.•w.a�..w.i cPCgF r, K WlPp ��i.wUri Ey y! •r �r M I J ! o F 117 �«• re�a.�wrw�vs.,., e.r.wsrrr m.w�o.�m..w �....r.v o.r *7 vwr4w �� rAlv+u n.lw.wemfl� �EN2 .. � Y�u'vn'ctlelnv NORMA L. WHITSON, TRUSTEE OFTHE WHITSON FAMILY TRUST TRACT MARIA JESUSA GARCIA SURVEY ABSTRACT No. 246 WILLIAMSON COUNTY, TEAS STEC,E�iZZELL 2020022301 Page 19 of 21 Legal DescripUbn for William Joseph Janke and Maurine Ann, Janke BEING 14.215 acres of land, situated in the Maria Jesusa Garcia Survey, Abstract No.^ in Williamson County, Texas, said land being that certain tract of land, called 14.16 as conveyed to Norma L. Whitson, lbstee of the Whitson Family Trust by deed reco Document No. 2009012864 of the Official Public Retards ofWilliamson COM Surveyed on the ground in the month of Auger 2012, under the supervision Peterson, -Registered T'rOfessioml Land Surveyor, and being more part]au�Ay. as follows; � BEGINNING at an iron pine found on the east line of County Road 14 15 , ' g the Northwest corner of the abave referenced 14.16 acm Norma L. 'r0 ru��6ee, tract, being the most westerly Southwest corner of that certain tract of Iand, call as as conveyed to Jennifer E. Hamilton TWk and James B. Tulle, by deed as rec6 iter 2588, Page 818, of the Official Records of Williamsan County, Texas, for ;I;th� hereof; TI`IENCE, along a northerly line of the said 14.16 acre tX.41' tson, Trustee, tract, being a southerly line of the said 2.50 acre Tuck tract, N 6 feet to an iron pin found and N �8°58'00" E, 402.99 feet to an iron pin fly the most northerly Northeast corner of the said 14.16 am Norma L. n- being an interior corner of the said 2.50 acre Tulle tract, for the most � comer hereof; THNCE, S 19°09'30" E, at 20.01 feet, or , pass the most easterly Southwest corner of the said 2.50 acre Talk track being the No rner of that certain tract of land, called 18.46 acres, as conveyed to James B. T sud wife, Jennifer E. Hamilton, by deed as recorded in Volume 1823, Page60, afthe al ecords of Williamson County, Texas, for a total distance of 599.56 feet, in all found mares an lntorior corner of the said 14.16 acre Norma. L. Wliitsor�Trus the most westerly Southwest corner of the said 18.46 acre TVlk and an interior corner hereof; THENCE, N 70°49 " E, feet to aa iron pin found marking the most easterly Northeast corner of 4. orma L. Whitson, Tiruatee, tract, being and interior comer of the said 18, on tact; for the most easterly Northeast corner hereof; T90 ', 235.32 feet to an iron pin found on the north line of that certain tract of land, a acres, as conEvayed to JL I?atterprises, L.L.P, by deed recorded as Doe .9 94 of the OfcIal Records of Williamson County, Texas, .•king the Sou co r of the said 14.16 acre Norma L. Whitson, Trustee, tract, being the most so-e-dely. west corner of the said 18.46 acre Talk and Hamilton tract, fox the Southeast M l : of; along the soufih line of the said 14.16 acre Norma L. Whitson, Trustee, tract, being the �"" line of the said 300.00 acre JL F tmpdse s, L.L.P., tract, S 68006145" W,120.01 feet to an 2020022301 Page 20 of 21 irons pin found; S 6905813V W, 46.02 feet to an iron pin found, and S 68002'00" W, to an iron pin found maxldng the most southerly Soufhw�est convex of the said 14.16 L. Whitson, Trustee, tract, being the Southeast cornet' of tha certain t=t of acres, as conveyed to Chester Arnold and wik Karen E. Arnold, by dead rccnrd No. 2001064654 of the Official Public Records ofWaUmjson Coin,, T7" S,autheTly Southwest romer'baeof, . feet THENCE, N 21029100Is W, 343.49 feet to as it+oa pin found u z3cing of the said 14.16 acre Noma L. Whitson, Trustee, hxA being the N"r-1117� said 4.00 am Arnold tract, fogy an interior corn or hens, THENCE, S 69008' 15" 'W, 497.00 feet to an imn pin found taiI" sd"ineofCountyRoadNO.152, marking the most V'Mtat'ly Southwmt comer off 1 acre Nomm L. Whitson, Trtnstee, tract, bei .the Northwest cosier ofthe said 1d tram, for the most westerly Southwest cozOr hemp, THENCE, along the said east line of County a wisoady line of the said 14.16 acre Norms L. WWtson, Trustee, tract, 5°5 W, 20.20 feet to an iron pin found and N 22006.00" W, 487.50 feet to the P140"is and contr mbig 14.215 acres of land. Note: Basis of Be va ag OPS Observor4i Texas dw�d Stale plans RETURN TO .onghom 'ke CO., x,4C. Ay*�__-W�Z� !g Williamson Central Appraisal District 625 FM 1460 Georgetown, TX 78626-8050 WCAD.org • (512) 930-3787 34297'124"'G50"0 766-1/6"""'•"`AUTO"5-DIGIT 78626 JANKE, WILLIAM JOSEPH & MAURINE ANN 2520 COUNTY ROAD 152 `~ GEORGETOWN TX 78626-1980 III' I' 1 1 1 l' I"III"I I I I' l l l l l' l l l l l l' l l 6;+r 25.19 - 2025 Notice of Appraised Value Date: 03/31 /2025 Owner Name: JANKE, WILLIAM JOSEPH & MAURINE ANN Situs: 2520 CR 152 GEORGETOWN TX 78626 Legal Description: AW0246 AW0246 - Garcia, M.j. Sur., ACRES 14.215 Quick Ref ID: R039740 Online Protest Passcode (2025): 20ADBE1425 THESE ARE YOUR CURRENT EXEMPTIONS: Code Exemption Type OA; HS; SOL; Tax Code 11.13 (C) Exemption; Homestead; AG Solar; Agriculture Use Recently applied exemplions may not be reflected, check: search,WCAD.org PROTEST FILING DEADLINE: 05/15/2025 Dear Property Owner, WCAD has appraised the property listed above for the tax year 2025. The appraisal as of January 1, 2025 is outlined below: Appraisal Information Last Year - 2024 Proposed - 2025 (+) Structure / Improvement Market Value (Homestead) 733.106 539,642 (+) Structure 1 Improvement Market Value (Non -Homestead) 0 0 (+) Non Ag Land Market Value (Homestead) 73.256 109.745 +) Non Ag Land Market Value (Non -Homestead) 0 0. (+) Ao Land Market Value 577,578 865,269 (_) Total Market Value 1.383,940 1,514.656 Ag Land Productivity Value 530 732 Assessed Value .. (Possible Homestead Limitations. see asterisk below) 806.892 650,119 " A residence homestead is capped from future assessed value increases in excess of 10% per year from the date of the last assessed value plus the value at any new improvements. (The homestead cap rakes effect on a residence homestead on January i of the tax year following the firs year the owner qualifies the properly for the residential homestead exemption. [Sec. 23.23fc) or (c-1) Texas Property Tax Code]). Homestead Cap Value (Total Market Value — Assessed Value) = $0 ON HOMESTEAD PROPERTIES, ASSESSED VALUE INCREASES OF 10% PER YEAR ARE MANDATORY PER TEXAS PROPERTY TAX CODE 23.23 UNTIL THE ASSESSED VALUE IS EQUAL TO THE MARKET VALUE. "The Texas 1,091slature does not set the amount of your local taxes. Your property tax burden is decided by your locally elected officials, and all Inqulrles concerning your taxes should be directed to those officials" Visit Texas.govlPropertyTaxes to find a link to your local property tax database on which can easily access Information regarding your property taxes, Including information regarding the amount of taxes that each entity that taxes your property will impose if the entity adopts Its proposed tax rate. Your local property tax database will be updated regularly during August and September as local elected officials propose and adopt the property tax rates that will determine how much you pay In property taxes. The Williamson Central Appraisal District does not set tax rateswor collect the taxes on your property. The governing body of each taxing unit decides whether or not taxes on the property will Incree8e. Thp Appraisal District only determines the value of the property. Please scan the QR code to the left using your smart phone camera application, or use any QR code scanning application to access WCAD.org/noav-qrfor more information, including; lim] • Appraisal Notice Explanation 0 Homestead Exemptions / Cap Adjustment ;" Appeal Process Information 0 Over 65 Exemption Information • Market & Valuation Information 0 Agricultural Land Valuation • E-Notice Request a Truth -in -Taxation Database Update Notification Sign-up • Circuit Breaker Limitation Escaneb el c6digo QR a la izquierda con la aplicaci6n de la c6mara de su tel6fono, o use cualquier aplicacl6n de escaneoMEWV%4 de c6digos QR para acceder a WCAD.org/nosv-qr para obtener mas informaci6n, incluyendo: • Explieaci6n del documento de valuaci6n Exenclones de Residencia • Informaci6n sobre el proceso de apelaci6n 0 Informaci6n sobre exenciones para mayores de 65 anos • Informaci6n de Mercado y Valoraci6n 6 Valoraci6n de terreno Agricultural • Solicitud de notificaci6n electronica a Registro de Notificaci6n de Actualizaci6n de la Base de • Limitaci6n de Cortacircuitos Datos de Veracidad an los Impuestos Ed ELECTRONICALLY RECORDED 2024038357 Williamson County, Texas Total Pages: 16 Originator Company: (NMLS ID: 630601) 'III 111 After Recording Return to: United Heritage Credit Union 12515-5 Research Blvd. Austin, TX 78759 THIS SECURITY DOCUMENT SECURES AN EXTENSION OF CREDIT AS DEFINt4�_Y- SECTION 60 (a)(6), ARTICLE XVI OF THE TEXAS CONSTITUTION (.//{j NOTICE OF CONFIDENTIALITY RIGHTS: IF YOU ARE A NATURAL PERSON, YOU•MAY/ REMOVE OR STRIKE ANY OR ALL OF THE FOLLOWING INFORMATIa1" FRt7IL+l'ANY INSTRUMENT THAT TRANSFERS AN INTEREST IN REAL PROPERTY BEFOA'E IT t 'FILED FOR RECORD IN THE PUBLIC RECORDS: YOUR SOCIAL SECURITyv.,NUMBJER OR YOUR DRIVER'S LICENSE NUMBERi \ TEXAS HOME EQUITY SECURITY AND DEED OF TRUST (HOME EQUITY LINE OF CR,E12 DEFINITIONS (A) "Security Document" means this Texas Home Equity Security together with all Riders to this document. (B) "Borrower" is William Joseph Janke and Maurine (C) "Co-signer' is any person who signs this Seourity,i7pt ument bi of Trust, which is dated 06/1012024, couple not sign the Credit Agreement (D) "Lender' is United Heritage Credit Union. Lender`is s gredit yyni6n organized under the laws of the State of Texas or of the United States of America whose address is 12515d► Re�ets�c�i�1314, Austin TX 78759. (E) "Trustee" is Michael Ver Schuur. Trustee %,sss is 1261" Research Blvd., Austin TX 78769. (F) "Credit Agreement' means the Texas H M quity�ige of Credit Agreement and Disclosures dated 06/10/2024, and all extensions and renewals of that Credit Agr e t, nr e�the terms of which Lender has agreed to extend credit to Borrower from time to time, and under which 6,orro eSmj'r quest advances, repay money, and reborrow money from time to time. The outstanding principal balance awih,% u dBr a G��"edit Agreement at any time may not exceed $199,000.00 (the "Credit Limit"). The indebtedness owing under i red ement (the "Indebtedness"), if not paid sooner, and unless otherwise provided in the Credit Agreement, is duew eys51e on 06/05/2044 (the "Final Payment Date"). (G) "Property" means th� ro rl�)tfaat is 51e)Obed below under the heading "Conveyance to Trustee (H) "Riders" means�l �er*to tnc dunty Document that are executed by Borrower. (1) "Extension of Ched ' me s�0me Equity Line of Credit account evidenced by the Credit Agreement which is comprised of the Ind�1b e mess "i by Borrower to Lender Including principal, Interest, and ail other amounts owing under the Credit Agreement sna�i� security Document. The Extension of Credit is a home equity line of credit as defined in Section 50(a)(6) and 5ecfi[ip-60 t}lMcIO� XVI of the Texas Constitution. (J) "Applicable w" me s all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rul gars (that have the effect of law) as well as all applicable final, non -appealable judicial opinions. n those items that are described in Section 3. (L) " Iice11kngqus Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other fh�lnsUrance proceeds paid under the coverages described in Section 5 for (i) damage to, or destruction of, the Property, ii) condemnation or other taking of all or any part of the Property, (H) conveyance in lieu of condemnation or (iv) rhiskrepr4i&Oations of, or omissions as to, the value and/or condition of the Property. (M) "M&tgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Credit Agreement. Page 1 of 13 2024038357 Page 2 of 16 Originator Company: (NMLS ID: 630601) (N) "Periodic Payment' means the scheduled minimum payments due under the Credit Agreement inch applicable, and accrued interest, together with all past due amounts, any amounts in excess of Borrower's charges, insurance premiums, and other fees imposed, and any amount payable under Section 3 of this SecL Conveyance to Trustee This Security Document secures to Lender: (a) the repayment of the Indebtedness and all renewals, e ipns and modifications of the Credit Agreement, (b) the payment of all additional amounts advanced, art a nsket incurred by Lender in connection with insuring and preserving the Property and its value, and discharging liens �a t thd,,Property; and (c) the performance of Borrower's covenants and agreements under this Security Document d-thp,CPO A' breement. For these purposes, Borrower irrevocably grants and conveys to Trustee, in trust, with power of , ai the,following described property (the "Property") Iocated in WI111amson County, Texas: ALL THAT CERTAIN TRACT OR PARCEL OF LAND SITUATED IN Williamson COUNT , TEXAS_AND BEING: SEE ATTACHED EXHIBIT which has the address of 2620 County Road 162, Georgetown, TX 78626r TOGETHER WITH all improvements now or hereafter erected on the Propeit ,,and all asements, appurtenances, and fixtures now or hereafter a part of the Property. All replacements and�-6dditio shall also be covered by this Security Document. Borrower acknowledges and agrees that, even though/ e.*n0n�.of'the Indebtedness owing on the Credit Agreement may be zero from time to time, this Security DocumentIrcontlrt a in effect until all amounts advanced under the Credit Agreement throughout the Draw Period described in the C 00, `'t f�gre$r�tent, and all other amounts owing under the Credit Agreement, are paid in full. `J I BORROWER COVENANTS that Borrower is lawfully s9i4 of the e$t to hereby conveyed and has the right to grant and convey the Property and that the Property is'An@tncumbereq, kept for encumbrances of record. Borrower warrants that Borrower will defend generally the title to)ihgProperty a nst all claims and demands, subject to any encumbrances of record. Borrower warrants that the Indebtedne.ss'i the only debt secured by the Property which meets the definition of an Extension of Credit under Sectigrt 50(a)(6), Article i?�Yrof the Texas Constitution. Borrower and Lender agree that the only security fotthe Credit Agreement is the Property described above. To the extent that any other agreement Borrower has +nrith I�sp qr, now or in the future, purports to grant a security interest in additional property to secure the Credit Agre nd-r ' yment of the Indebtedness, that agreement is superseded by this paragraph and any such security interest is �di6olsimed and waived. Borrower and Lender covenant and agre+�as ffolo�crs 1. Payment of Principal, Interest, Ever wr Dms;-Prepayment Charges, and Late Charges. Borrower shall pay when due the principal of, and int�f t b ifie,%rdebtedness and any late charges and other amounts due under the Credit Agreement. Borrower shall also poly funds Escrow Items pursuant to Section 3. Payments due under the Credit Agreement and this Security Documip t6h"ll "@'x�tade - S. currency. However, if any check or other instrument received by Lender as payment under the Cr t�Ag�reemerlt.orth ecurity Document is returned to Lender unpaid, Lender may require that any or all subsequent pay��}}a 46 `�,C�h de the Credit Agreement and this Security Document be made in one or more of the following forms, as7s9le &bL n r: (a) cash, (b) money order, (c) certified check, bank check, treasurer's check or cashier's check, prb+i a> r� c'Fseck is drawn upon an institution whose deposits are Insured by a federal agency, instrumentality, or an 1"41) Efecionic Funds Transfer. Payments are deenfe-d-re�erV�d ]y Lender when received at the location designated in the Credit Agreement or at such other loca i KT rid be designated by Lender in accordance with the notice provisions in Section 15. Lender may return any pay B t{s} or� rtiaf payment(s) if the payment(s) or partial payment(s) are insufficlent to bring the Indebtedness current. Lender ajr a �zany payments) or partial payments) insufficient to bring the Indebtedness current, without waiver of any rfg tsj�erunder. or'prejudfce to its rights to refuse such payment(s) or partial payment(s) In the future, but Lender is not obligatedA6 apply much payments at the time such payments are accepted If each Periodic Payment is applied as of its s iedu us Me.~, hen Lender need not pay interest on unapplied funds. Lender may hold such unapplied funds until 64rrm er7rlatkp payment(s) to bring the Indebtedness current. If Borrower does not do so within a reasonable period of time, Lan�te�r s siTet_l er apply such funds or return them to Borrower. If not applied earlier, such funds will be applied to the cutstand�np principal balance under the Credit Agreement immediately prior to foreclosure to the extent allowable by Applicable) aw No offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower from irking r y ents due under the Credit Agreement and this Security Document or perfomning the covenants and agreements �eq 1 this Security Document. Page 2 of 13 2024038357 Page 3 of 16 Originator Company: (NMLS ID: 630601) 2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all payments i accepted and applied by Lender shall be applied in the following order or priority: (1) interest due under the Credit Agreement; (2) other fees and charges, if any, due under the Credit Agreement or the Security Document; (3 under the Credit Agreement. Such payments shall be applied to each Periodic Payment in the order in whi due. Any remaining amounts shall be applied to reduce the principal amount of the Credit Agreement. ' Voluntary prepayments shall be applied to Principal without penalty. Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due u Agreement shall not extend or postpone the due date, or change the amount, of the Periodic Pa 3. Funds for Escrow Items. If Lender requires, Borrower shall pay to Lender on the day PeriMntl.&J.Pment er�i9due under the Credit Agreement, until the Indebtedness Is paid in full, a sum (the "Funds") toment of amounts due for: (a) taxes and assessments and other items which can attain priority over thi -S as a lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, ' ny •( ),premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance premi h if an�,,�In accordance with the provisions of Section 10. These items are called "Escrow Items." At origination ay time during the term of the Indebtedness, Lender may require that Community Association Dues, Fees and ''ss )ids, if any, be escrowed by Borrower, and such dues, fees and assessments shall be an Escrow Item. BvowerYY la p mptly fumish to Lender all notices of amounts to be paid under this Section. Borrower shall pay Lender the Fund�s Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items. 1-4 de In Vol" Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time. Any such waiver m 'y nnfy �fn w�ting. In the event of such waiver, Borrower shall pay directly, when and where payable, the amounts due for y E Items for which payment of Funds has been waived by Lender and, if Lender requires, shall furnish to Lender re is a racing such payment within such time period as Lender may require. Borrower's obligation to make such pgyrnen ovide receipts shall for all purposes be deemed to be a covenant and agreement contained in this Sec r6ot� t as the phrase "covenant and agreement' is used in Section 9. If Borrower is obligated to pay Escrow Items di fitly, puru nt to a waiver, and Borrower fails to pay the amount due for an Escrow Item, Lender may exercise Its rights uu�d S"ctlonn � and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender any syc� amqulrtz LOW r.ntay revoke the waiver as to any or all Escrow Items at any time by a notice given in accordance with $ Chan 15 upon such revocation, Borrower shall pay to Lender all Funds, and in such amounts, that are then required urid this Sectl0 v Lender may, at any time, collect and hold Funds in an amt 7 s lent to permit Lender to apply the Funds at l' [) y P pP Y the time specified under the federal Real Estate Settlement Picfed s Act of 1974, as amended from time to time, 12 U.S.C. §2601, at seq. ("RESPA") and (2) not to ex� the maximount a lender can require under RESPA. Lender shall estimate the amount of Funds due on the basf9Nr�urrent data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable _Law,, - The Funds shall be held in an institution wh de a 'to insured by a federal agency, instrumentality, or entity (including Lender) or in any Federal • ome o� n Tender shall apply the Funds to pay the Escrow Items no later than the time specified under RESPA. Landis �aalt dt c argo Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Esor6%6Niliem -un joss Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such a charge— I�an-�greement is made in writing or Applicable Law requires interest to be paid on the Funds, Lender shall not be r" clu d,�Va` ayr Borrower any interest or earnings on the Funds. Borrower and Lender can agree in writing, however, at inf at shd11 paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds a gttlr��v RE9P,A. If there is a su lus q 166 ' el` ' �9 crow, as defined under RESPA, Lender shall account to Borrower for the excess funds in a h Rf,$PA. if there is a shortage of Funds held in escrow, as defined under RESPA, Lender shall notify 6arraweA ui d Y RESPA, and Borrower shall pay to Lender the amount necessary to make up the shortage in accordance with Rbut I more than twelve monthly payments. If there is a deficiency of Funds held in escrow, as defined under RE �1, L er�shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to m p � aftstency in accordance with RESPA, but in no more than twelve monthly payments. Upon payment i 411 of all s ms secured by this Security Document, Lender shall promptly refund to Borrower any Funds held L i er J , nder Section 21, Lender exercises remedies under Rules 735 and 736 of the Texas Rules of Civil Procedu s h athe rules as may be promulgated by the Supreme Court of the State of Texas, Lender shall apply any Funds h by t �L 9der as a credit against the sums secured by this Security Document. 4� fta�ge*. L3ns. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to the Pro iChtigan attain priority over this Security Document, leasehold payments or ground rents on the Property, if any, and Co nity Association Dues, Fees, and Assessments, if any. To the extent that these items are Escrow Items, Borrower @hall paym in the manner provided in Section 3. promptly discharge any lien which has priority over this Security Document unless Borrower: (a) Page 3 of 13 2024038357 Page 4 of 16 mom Originator Company: (NMLS ID: 630601) 1111 WIN." 1-0-III III agrees in writing to the payment of the obligatlon secured by the lien in a manner acceptable to Lender, but only= n0-long as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of'tho,hfiatt r r legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those na ecjing"ram pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreem.4Gilsfaotory to Lender subordinating the lien to this Security Document. If Lender determines that any part of the Property: subiecOe4 lien which can attain priority over this Security Document, Lender may give Borrower a notice identifying the lien;• thin 10 days of the date on which that notice Is given, Borrower shall satisfy the lien or take one or more of the a - n t o bove In this Section 4. Lender may require Borrower, at closing, to pay a one-time charge for a real estate tax verificatio n lar g service used by Lender in connection with this Indebtedness. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafterer6 tee tithe roperty Insured against loss by tire, hazards included within the term "extended coverage," an [i� ot}ier hazards including, but not limited to, earthquakes and Floods, for which Lender requires insurance. This insurance'��h t be maintained in the amounts (including deductible levels) and for the periods that Lender requires. The insurance�d (rieit-�s�'ding the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice; %khlch�fst shall not be exercised unreasonably. If Borrower fails to maintain any of the coverages described above, Lender y O- taaimiing �noe coverage, at Lenders option and Borrower's expense. Lender is under no obligation to purchase any rticular pe or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower„�prroweif equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater orte"4 coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so a ain6d•q fight significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lend r and his Section 5 shall become additional debt of Borrower secured by this Security Document. These amounts shall! bear�.i n erest at the rate specified under the Credit Agreement from the date of disbursement and shall be day- _ab[e %pithy suc tersest, upon notice from Lender to Borrower requesting payment. ,r IN1 � ----` All insurance policies required by Lender and renewal; ,O� h policies shall be subject to Lender's right to disapprove such policies, shall include a standard rnohgaK clags'q; and shall name Lender as mortgagee and/or as an additional loss payee Lender shall have the right to hold h Njic s and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums e?rd,r,�newal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, `fa��-damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender a�s0ortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give pr t c yo e insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lennd r d18,n'ower otherwise agree in writing, any Insurance proceeds, whether or not the underlying insurance was required by L ndec,,shalI be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and t arit€er`earrity is not lessened. During such repair and restoration period, Lender shall have the right to hold such Insur-poi�p*eeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to L4ndees�sotisf�ction, provided that such inspection shall be undertaken promptly. Lender may disburse proceeds fo a re arts and Itoration in a single payment or in a series of progress payments as the work is completed. Unless an a'grey�� n .'4s a n writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall dt atPr cti�i d-to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters, or other third partied to y'riett by Bp?rgwer shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower. If the re t�r t€ pt��eepair4s not economically feasible or Lender's security would be lessened, the insurance proceeds shall be apply to the sups secured by this Security Document, whether or not then due, with the excess, if any, paid to Borrower. Such' inaUrknce Voceeds shall be applied in the order provided for in Section 2. If Borrower abandprWithe rodef ty, Lender may file, negotiate and settle any available insurance claim and related matters. If Borrower does o3 respond 'thin 30 days to a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may ne o(Fate an¢ tfle the claim- The 30 day period will begin when the notice is given. In such event, or if Lender acquires the- i ope�Ty or Section 21 or otherwise, Borrower hereby assigns to Lender (1) Borrower's rights to any insurana�r�oC�ed in an amount not to exceed the amounts unpaid under the Credit Agreement or this Security Document, apd (2 he othe Porrower's rights (other than the right to any refund of unearned premiums paid by Borrower) under all if7�0 nce -p'b'Ctes covering the Property, insofar as such rights are applicable to the coverage of the Property. Lender may usi6A� 'nau h proceeds either to repair or restore the Property or to pay amounts unpaid under the Credit Agreement or this Se Doe�ument, whether or not then due. ,Unless L or and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone 1 ie.�e 9� e of the payments referred to in Sections 1 and 2 or change the amount of the payments. If under Section 21, Lender.eecercises remedies under Rules 735 and 736 of the Texas Rules of Civil Procedure, or such other rules as may be promulgated by the Supreme Court of the State of Texas, Borrower's right to any insurance policies and proceeds Page 4 of 13 2024038357 Page 5 of 16 Originator Company: (NMLS ID: 830601) ,IIIMR RM",'I I I I resulting from damage to the Property prior to the exercise of such remedies shall pass to the Lender to the of the sums secured by this Security Document immediately prior to the exercise of such remedies. S. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's principal residence after �� execution of this Security Document, and for so long as Borrower owns the Property, shall continue to occupli a Property as Borrower's principal residence, unless Lender otherwise agrees in writing, which consent shall not be unreaspn blywitthheld, or unless extenuating circumstances exist which are beyond Borrower's control, 7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not de troy, damage or impair the Property, allow the Property to deteriorate or commit waste on the Property. Bo r shP maintain the Property in order to prevent the Property from deteriorating or decreasing in value due to its copoltlon. tin "Zjf is determined pursuant to Section 5 that repair or restoration is not economically feasible, Borrower shall the Property if damaged to avoid further deterioration or damage If insurance or condemnation proceeds are not4o' cient to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of 4pchvepeir or restoration Lender or its agent may make reasonable entries upon and inspections of the Property. I(it fats reaso able cause, t� r n Lender may inspect the interior of the improvements on the Property. Lender shall give onr otice at the time of or prior to such an interior inspection specifying such reasonable cause. �� S. Borrower's Loan Application. Borrower shall be in default if, during the loan appl'cation rp ess, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's --Knowle4 a consent gave materially false, misleading, or Inaccurate Information or statements to Lender (or failed.6-prisviae.er with material information) in connection with the application or the Extension of Credit. Material ire resen Lions include, but are not limited to, representations concerning Borrowers occupancy of the Property as Borrov s prinail residence. 8. Protection of Lender's Interest In the Property and Rights and r�Lh4 SgZurlty Document. If (1) Borrower fails to perform the covenants and agreements contained in this Se �fity Dor�ul�ent (2) there is a legal proceeding that might significantly affect Lenders interest in the Property andlor rights or this ecurity Document (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforders�ent�.a4e� which may attain priority over this Security Document or to enforce laws or regulations), or (3) Borr6yrer tiias ab ndoned the Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Len rkft interesti� he Property and rights under this Security Document, including protecting and/or assessing the value of th E'roperty, and •securing and/or repairing the Property. Lenders actions can include, but are not limited to, (1) paying any sums sedu(ed by/riien which has priority over this Security Document, (2) appearing in court, and (3) paying reasonable attomeys' fee"' 'prgied its interest in the Property and/or rights under this Security Document, including its secured posKin in a banWpt_ry proceeding. "Securing the Property" includes, but is not limited to, entering the Property to make repaWs,�ange locks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violations or dahgereus conditions, and have utilities turned on or off. Although Lender may take action under this Sectlon 9, Lender�daeknb� ha a to do so and is not under any duty or obligation to do so. It is agreed that Lender incurs no liability for not ofn }n®, cb ns authorized under this Section 9. Any amounts disbursed by Lender urd�sr th1a on sliaJi become additional debt of Borrower secured by this Security Document, unless prohibited b , oil I the same would diminish, impair, or adversely affect the lien conveyed Y to Lender herein. These amounts ba) �.? �r"interest at the rate specified in the Credit Agreement from the date of disbursement and shall be payablef,ti�bi sucl�irte),est, upon notice from Lender to Borrower requesting payment. 10. Mortgage Insurance. Ijf�end�r 4 quired, M1 ortgage Insurance as a condition of making the Indebtedness, Borrower shall pay the #50 }un'ts �quir maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage re�ulred `by'L�@rider closes to be available from the mortgage insurer that previously provided such insurance and Bo r ,[Gquir4d make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay 6,8�i,� regUir%d to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost sub an�ially�ivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage 160vr "eler ted by Lender. If Lender required Mortgage Insurance as a condition of making the Indebtedness and Borr, wdr•,. ' s required to make separately designated payments toward the premiums for Mortgage Insurance, Borrottitermi r'shelf ay t e premiums required to maintain Mortgage Insurance in effect, until the Lender's requirement for Mortgage 1nnce e�{�s In accordance with any written agreement between Borrower and Lender providing for such termination or u naton is required by Anolicabla Law_ Nnthina in this Sentinn 1n affects hnrrnwPr's nblinatinn to nav interes�Ilb� he`ra� riov-i led in the Credit Agreement 11. As mentio�lll scellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to �p c paid tofender. If thd-Po%Mn ts�lamaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the resboil' repair is economically feasible and Lender's security is not lessened. During such repair and restoration Ponod, Lr shall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Page 5 of 13 2024038357 Page 6 of 16 Originator Company: (NMLS ID: 630601) 1111KNUMN-11111 Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall b 4n� promptly. Lender may pay for the repairs and restoration in a single disbursement or in a series of progressrx��sa work is completed. Unless an agreement is made in writing or Applicable Law requires interest toaid�ir.such Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on s s 4iscelaneous Proceeds. If the restoration or repair is not economically feasible or Lender's security would be iessen th Isr�ellaneeus Proceeds shall be applied to the sums secured by this Security Document, whether or not then due, l #h �ee�s, if any. paid to Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for in Section ?� / v In the event of a total taking, destructlon, or loss in value of the Property, the Miscellaneous PrFRI" @�EIS applied to the sums secured by this Security Document, whether or not then due, with the exoeorrower, subject to Applicable Law. In the event of a partial taking, destruction, or loss in value of the Property in which the fa' arks��altt��e of the Property immediately before the partial taking, destruction, or loss in value is equal to org'e ter tha7tdhe amount of the sums secured by this Security Document immediately before the partial taking, destructlo Ipsg to value, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Document shlal(eeddoed by the amount of the Miscellaneous Proceeds multiplied by the following fraction: (a) the total amount _thosu;s ured immediately before the partial taking, destruction, or loss in value divided by (b) the fair market value o immediately before the partial taking, destruction, or loss in value. Any balance shall be paid to Borrower, . In the event of a partial taking, destruction, or loss in value of the Propsriakie whi the fair market value of the Property immediately before the partial taking, destruction, or loss in value is less t a unt of the sums secured immediately before the partial taking, destruction, or loss in value, unless Borrower,afid`LSnder_othtrwise agree in writing, the Miscellaneous Proceeds shall be applied to the sums secured b t is Sec ..ty Document whether or not the sums are then due. If the Property is abandoned by Borrower, or if, after no Len or that the Opposing Party (as defined in the next sentence) offers to make an award to settle a clai damage , orrower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized t c (act and a I the Miscellaneous Proceeds either to restoration or repair of the Property or to the sums secured by this r rid Docu pnt, whether or not then due. "Opposing Party" means the third party that owes Borrower Miscellaneous Prooseds,oM ee rty against whom Borrower has a right of action in regard to Miscellaneous Proceeds. Borrower shall be in default if any action or proo�ediry , whether civil or criminal, is begun that, in Lender's judgment, could result in forfeiture of the Property or other material i l3h nent of Lender's interest in the Property or rights under this Security Document. Borrower can cure such a default ` f eci l0? tlon has occurred, reinstate as provided in Section 18, by causing the action or proceeding to be dismissed ►v� a th t, in Lender's judgment, precludes forfeiture of the Property or other material impairment of Lender's inte t in th� i y 100 rights under this Security Document The proceeds of any award or claim for damages that are attrlbutaW6 e imp rrr t of Lender's interest in the Property are hereby assigned and shall be paid to Len . �J All Miscellaneous Proceeds that a of ap restoration or repair of the Property shall be applied in the order provided for in Section 2. 12. Borrower Not Rot 4,0 , rorh 8y Lender Not a Waiver. Extension of the time for payment or modification of amortization of the su, s� r+yd by�this Security Document granted by Lender to Borrower or any Successor in Interest of Borrower shall not p o leas "liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to common r ce din g against any Successor in Interest of Borrower or to refuse to extend time for payment or otherwis dl ar�*'Jzatlon of the sums secured by this Security Document by reason of any demand made by the original Borror a x5 rcessors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy including, wifho jirti n,`rders acceptance of payments from third persons, entities or Successors in Interest of Borrower or in $mounts e s than the amount then due, shall not be a waiver of or preclude the exercise of any right or remedy. } 13. Joint�a ability; Co-signers; Successors and Assigns Bound. Subject to Section 31 below, Borrower covens Vt� n ag�qsat Borrower's obligations and liability shall be joint and several. However, Co-signer (a) is co-signing t ii�Se' Docu 4ht only to mortgage, grant and convey the Co-signer's interest in the Property under the terms of this r�ty Eft nt; (b) is not personally obligated to pay the sums secured by this Security Document; and (c) agrees that Len etXa dther Borrower can agree to extend, modify, forbear or make any accommodations with regard to the ter s Security Document or the Credit Agreement without the Co-signer's consent. cov is and agreements of this Security Document shall bind (except as provided in Section 19) and benefit hem f score and assigns of Lender. Page 6 of 13 2024038357 Page 7 of 16 Originator Company: (NMLS ID: 630601) ,III19-MOMM-11 Ill 14. Loan Charges. Lender may charge Borrower fees for services performed in connection with Borrower's d u for the purpose of protecting Lenders interest in the Property and rights under this Security Document, including, but no t attorneys fees, property inspection and valuation fees. In regard to any other fees, the absence of express E rity Security Document to charge a specific fee to Borrower shall not be construed as a prohibition on the cha i g df. .suFee. Lender may not charge fees that are expressly prohibited by this Security Document or by Applicable Law. If the Indebtedness is subject to a law which sets maximum loan charges, and that law is finally interpr�t§nd th interest or other charges collected or to be collected In connection with the Indebtedness exceed the permitte l} then: (a) any such charges shall be reduced by the amount necessary to reduce the charges to the permiili i and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Bomow� ay choose to make this refund by reducing the principal owed under the Credit Agreement or by m R-ng-a�dlrect.psyment to Borrower, subject to Applicable Law if a refund reduces principal, the reduction will be treated a paepayment. Borrower's acceptance of any such refund will constitute a waiver of any right of action BorrpCver ay ha rising out of such overcharge, to the extent that such waiver is not otherwise prohibited by Applicable 1,,4vl 16. Notices. All notices given by Borrower or Lender in connection with this Security cu�ht MUM`he in writing. Any notice to Borrower in connection with this Security Document shall be deemed to have been I to B6'rrpwer when mailed by first class mail or when actually delivered to Borrower's notice addres if sen thgr means. Notice to any one Borrower shall constitute notice to all Borrowers unless Applicable Law expresslyert ires ' 'se. The notice address shall be the Property Address unless Borrower has designated a substitute notice adds n to Lender, or unless otherwise provided in the Credit Agreement. If Borrower has provided a different ad in e_Cr it Agreement from the Property address, notice may be given to Borrower at either address. Borrower sh4V promp notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's change oft rress, h n Borrower shall only report a change of address through that specified procedure. Under no circumstances�i}all-tbn be construed so as to require Lender to send or deliver notice to a Borrower at more than one addresswm `o to Lender shall be given by delivering it or by mailing it by first class mail to Lender's address stated herein unifss Lender as designated another address by notice to Borrower. Any notice in connection with this Security Document snot b deemed to have been given to Lender until actually received by Lender. If any notice required by this, e�iiri `I�e�vrtj��s���"''''nnnnnnt is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponds ` uireM nder this Security Document. 16. Governing Law; Severabllity; Rules of Constru lThis Security Document shall be governed by federal law and the law of the jurisdiction in which the Property is located. I , - I is to obligations contained in this Security Document are subject to any requirements and limitations of Applicable Law. 7�ppli(able Law might explicitly or implicitly allow the parties to agree by contractor it might be silent, but su€ rice shall nat bit"construed as a prohibition against agreement by contract. In the event that any provision or clause of th#s Document or the Credit Agreement confIlcts with Applicable Law, such conflict shall not affect other provisions of this 5eou merit or the Credit Agreement which can be given effect without the conflicting pro ' As used in this Security Document:[i.} wo of a�u line gender shall mean and include corresponding neuter words or words of the feminine gender, (2) wor'd�ki t s ulrphall mean and include the plural and vice versa, and (3) the word "may" gives sole discretion 5 h ut ligation to take any action. 17. Transfer of the Property orEttailiment tietie`i t`tgterest in Borrower. As used in this Section 17, "Interest in the Property" means any legal or beneficial or n t Fr*erty,including, but not limited to, those beneficial interests transferred in a bond for deed, contract fg.< )ed,�ales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future da a is l If all or any part of Pti Interest in the Property is sold or transferred without Lenders prior written consent, Lender may require ' i i aym in full of all sums secured by this Security Document. However, this option shall not be exercised by Len r i uchh xe e is prohibited by Applicable Law. If Lender exercise 4hlffa ender shall give Borrower notice of acceleration. The notice shall provide a period of not less �P 9 p than 30 days fre d 0 the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this ecurity merit. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any rem € rk_r i ed by this Security Document without further notice or demand on Borrower. 18. Borr k,,, h �o Reinstate After Acceleration. If Borrower meets certain conditions, Borrower shall have the right to h �. 'v�e a nh�fjhis Security Document discontinued at any time prior to the earliest of: (€) five days before the sale of the POP rtynt to any power of sale contained in this Security Document; (ii) such other period as Applicable Law might sp�ectrgination of Borrower's right to reinstate; or (iii) entry of a judgment enforcing this Security Document. Those condi n re that Borrower: (a) pays Lender all sums which then would be due under this Security Document and the Credit Agreeme t s if no acceleration had occurred; (b) cures any default of any other covenants or agreements; (c) pays all s penses } curred in enforcing this Security Document, including, but not limited to, reasonable attorneys' fees, property fps nd valuation fees, and other fees incurred for the purpose of protecting Page 7 of 13 2024038357 Page 8 of 16 uses and to maintenance of the Prop rty Borrower shall promptly give Lender governmental or regulatory agency or_ Law of which Borrower has actual leaking, discharge, release or thr�af r use or release of a Haz glas Su n by any governmental o Ogul0p aUrn Substance affecting tie rro r4� !i ni ce Environmental Law. t a rein'sha,, Originator Company: (NMLS ID- 630601) r Ifr•,� j._ tir � � Lender's interest in the Property and rights under this Security Document to the extent allowable by Applicable f�aw;•and (d) takes such action as Lender may reasonably require to assure that Lender's interest in the Property and rights uhdahth}s, Security Document, and Borrower's obligation to pay the sums secured by this Security Document, shall continue—� unchanged. Lender may require that Borrower pay such reinstatement sums and expenses in one or more(o ihe,fbfl�wing forms, as selected by Lender: (a) cash, (b) money order, (c) certified check, bank check, treasurer's check-6rc"hrer's•qheck, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrurrrerrta(ity or entity or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, this Security Document and obliloa ioa eowred hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall �nbt �Ipfy f� the case of acceleration under Section 17, l �. . 19. Sale of Credit Agreement; Change of Loan Servicer. The Credit Agreement or a partial i t#rest,in�tha-Credit Agreement (together with this Security Document) can be sold one or more times without prior notice to Bcrjoweir�l'>ale might result in a change in the entity (known as the "Loan Servicer") that collects Periodic Payments due upr{ ! t7s�C it.Agreement and this Security Document and performs other mortgage loan servicing obligations under th¢credi Agreement, this Security Document, and Applicable Law. There also might be one or more changes of the Loan Servicer Welated to a sale of the Credit Agreement. If there is a change of the Loan Servicer, Borrower will be giverY'w6e-- nQ1Ice of the change which will state the name and address of the new Loan Servicer, the address to which payhv�hts, shookl be made and any other information RESPA requires in connection with a notice of transfer of servicing t the extb CRESPA applies to the Extension of Credit. if the Credit Agreement is sold and thereafter the Indebtedness is vi[�ed b W'Loan Servicer other than the purchaser of the Credit Agreement, the mortgage loan servicing obligations -Borrovrter =in with the Loan Servicer or be transferred to a successor Loan Servicer(s) and are not assumed by t "edl kgreement purchaser unless otherwise provided by the Credit Agreement purchaser. �� lL l 20. Hazardous Substances. As used in this Section 20: (1) "Hai or hazardous substances, pollutants, or wastes by Environmant other flammable or toxic petroleum products, toxic pesticides and or formaldehyde, and radioactive materials; (2) "Envrronmgrrtat-ka+ Property is located that relate to health, safety or envire en'Wrpri Cleanup" includes any response action, remedial actio , removE "Environmental Condition" means a condition that carfra se. cont Borrower shall not cause or permit the presence, use, disfio: to release any Hazardous Substances, on or In,tt�a Property. anything affecting the Property (1) that is in viol'ati3n of any I or (3) which, due to the presence, use, or released a`kiazar affects the value of the Property. The precefling sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous SuJa4tan thbt• re generally recognized to be appropriate to normal residential limited to, hazardous substances in consumer products). ;e4" are those substances defined as toxic following substances: gasoline, kerosene, file solvents, materials containing asbestos laws and laws of the jurisdiction where the m, as defined in Environmental Law and (4) an to, or otherwise trigger an Environmental Cleanup. oragis, or release of any Hazardous Substances, a�e r shall not do, nor allow anyone else to do, rhmental Law, (2) which creates an Environmenta Substance, creates a condition that adversely or threaten Condition ten nktk*,of (1) any investigation, claim, demand, lawsuit or other action by any "arty, involving the Property and any Hazardous Substance or Environmental edge; f2) any Environmental Condition, including but not limited to, any spilling, elese f any Hazardous Substance, and (3) any condition caused by the presence, ce wh7 eh adversely affects the value of the Property. If Borrower learns, or is notified oriy, or any private party, that any removal or other remediation of any Hazardous `s§dry, Borrower shall promptly take all necessary remedial actions in accordance with create any obligation on Lender's part for an Environmental Cleanup. 21. Default; Accets}pbo Won*dles. Borrower shall be in default if (a) Borrower engages in fraud or material misrepresentation or„g�11iss. io '4n connection with the Extension of Credit, (b) the Borrower does not meet the repayment terms under the editAZj e&ne6t, (c) Borrower's action or inaction adversely affects the Property or Lender's rights In the Property includirtiVWto the tent allowable by Applicable Law, Borrower's failure to insure the Property or pay taxes on the Property as they �becom ue, the sale or other transfer of the Property, the creation of a senior lien encumbering the Property, ar_ti�erracly a or threatened foreclosure of another lien on the Property, or (d) to the extent permitted by Applicably �prtower breaches any covenant, obligation, or agreement in the Credit Agreement or this Security Docum�gt (all o "regoing shall be referred to as "Events of Default" in this Security Document). LbRder,shXglye notice to Borrower prior to acceleration following an Event of Default (but not prior to acceleration under sectibp Trilluao Applicable Law provides otherwise) The notice shall specify (a) the default; (b) the action required to cure the defyc) a date, not less than 30 days from the date the notice is given to Borrower, by which the default must be cured; EsN d (d) t a failure to cure the default on or before the date specified in the notice will result in acceleration of the sums ` .d y this Security Document and enforcement of the Credit Agreement and Security Document under Rules 735 and a Texas Rules of Civil Procedure, or such other rules as may be promulgated by the Supreme Court of the State of Texas, The notice shall further inform Borrower of the right to reinstate after acceleration Page 8 of 13 2024038357 Page 9 of 16 Originator Company: (NMLS ID: 630601) 'III � IMII 111 and the right to bring a court action to assert the non-existence of a default or any other defense of Borrower to a c`� I��tion and sale If the default is not cured on or before the date specified in the notice, Lender at its option may require irrl� 16d�W. payment in full of all sums secured by this Security Document without further demand and may invoke the power* sale at d? any other remedies permitted by Applicable Law. Lender shall be entitled to collect all expenses Incurred jn puiU' g `t94 remedies provided in this Section 21, including, but not limited to, reasonable attorneys' fees and costs of'Utlq evldenr For the purposes of this Section 21, the term "Lender" includes any holder of the Credit Agreement who is entltlad to reeelve payments under the Credit Agreement If Lender invokes the power of sale, Lender or Trustee shall give notice of the time, place and terms G ek Y posting and filing the notice at least 21 days prior to sale as provided by Applicable Law. Lender shall mail a copy of'f naive to Borrower in the manner prescribed by Applicable Law. Sale shall be made at public venue. The sale musf,be-qin aitthe` V6e stated in the notice of sale or not later than three hours after that time and between the hours of 10 a m. anpl r4 p.m: -an the first Tuesday of the month. Borrower authorizes Trustee to sell to the highest bidder for cash In one or more pargels and -In any order Trustee determines Lender or its designee may purchase the property at any sale. Trustee shall deliver to the purchaser a Trustee's deed conveying indefeasible titlitc tad, -Properly without covenants of general warranty from Borrower. Borrower covenants and agrees to defend generale pu'rgasees. title to the Property against all claims and demands. The recitals in the Trustee's deed shall be prima facie 6videnoe,6f the truth of the statements made therein. Trustee shall apply the proceeds of the sale in the following order. (ayto all a uses of the � sale, including, but not limited to, reasonable Trustee's and attorneys' fees; (b)s1l.b s tired by this Security Document, and (c) any excess to the person or persons legally entitled to it. jl!,r If the Property is sold pursuant to this Section 21, Borrower or any pe sl�n hold n' possession of the Property through Borrower shall immediately surrender possession of the Property to the pure sera t sale. If possession is not surrendered, Borrower or such person shall be a tenant at sufferance 81 "a are oved by writ of possession or other court proceeding. lqi)r22. Release. Upon payment of all sums secured by this yecarity- en } rider will sign and give Borrower a release of lien or an assignment of the Security Document, whlch7e r s ip it 'a�� 23. Substitute Trustee; Trustee Liability. All rights; rt�rnedies and duties of Trustee under this Security Document may be exercised or performed by one or more trustees acting`alpha_ortogg hear. Lender, at its option and with or without cause, may from time to time, by power of attorney or otherwise, rem6 or bstftute any trustee, add one or more trustees, or appoint a successor trustee to any Trustee without the necessity of anp i, ity other than a designation by Lender in writing. Without any further act or conveyance of the Property (h"@gbsbtute, add�al or successor trustee shall become vested with the title, rights, remedies, powers and duties conferred upo)% stee herein and by Applicable Law - Trustee shall not be liable if acting upon a y ngg�ttt rlbgyest, consent, demand, statement or other document believed by Trustee to be correct. Trustee shall ngt be ii�t�e >:b of act or omission unless such act or omission is willful, 24. Subrogation. Any of the procee'dwot`the Cregif Agreement used to discharge all or any part of any outstanding liens against all or any part of the Properly. have -fie advanced by Lender at Borrowers request and upon Borrower's representation that such amounts arei,Ten are secured by valid liens against the Property. Lender shall be subrogated to any and all rights, superior titles,l€ins an gpit-es owned or claimed by any owner or holder of any outstanding liens and debts, regardless of whet r said 111"s or is are acquired by Lender by assignment or are released by the holder thereof upon payment provided�F�v r, I ;ig are in this Section shall be construed so as to impose personal liability upon any Borrower. 25. Partial Invalldi bl q*. a-v�al* portion of the sums intended to be secured by this Security Document cannot be lawfully secured he paym nth in reduction of such sums shall be applied first to those portions not secured hereby, subject to Applicable "", 26. Location of f in ors over acknowledges that closing of the Credit Agreement and Security Document took place at the office of Leno . r, a tine( mpany, or an attorney at law. 27. Closin ZpcVrtent!�Borrower and Lender acknowledge that Borrower received copies of all documents which Borrower signed atRos€Rg� — Indebtedness. Rescission. Borrower and Lender acknowledge that Borrower may, within 3 days after closing, rescind the )resented by the Credit Agreement and this Security Document without penalty or charge Page 9 of 13 2024038357 Page 10 of 16 Originator Company: (NMLS ID: 630601) 11111 ,100 ffi I I I 1 I 30. Acknowledgment of Fair Market Value. Borrower and Lender have acknowledged the fair market value of a roperty on the date the transaction evidenced by the Credit Agreement and the Security Document closed. 31. No Personal Liability. Notwithstanding anything herein to the contrary, the Indebtedness represen y't Agreement and Security Document is without recourse for personal liability against Borrower unless Borr obtain the Indebtedness represented by the Credit Agreement and Security Document by actual fraud. The provision s Section shall control over any conflicting provisions in the Credit Agreement and Security Document. 32. Lender's Right to Comply. It is Lenders and Borrower's intention to conform to provisions o Constitution applicable to Extensions of Credit as defined by Section 50(a)(6) and Section 50(t), Article XVI o� a tution. In the event that Lender should fail to comply with any of Lenders obligations under th Credit �g ment or this Security Document, or in the event that Lender, or any provision in the Credit Agreement or thi acumy Document fails to comply with pertinent provisions of the Texas Constitution, Borrower agrees to notify Lender of any s h ilu in writing in the manner set forth in Section 15, specifying how Lender has failed to comply. Lender will have �n-opportu I o correct the failure to comply, if any, in the manner and within the time period spar cable Law and by the Texas Constitution in particular. Borrower agrees to cooperate in reasonable efforts a such compliance, subject to Applicable Law. r r To the extent allowable by Applicable Law, in the event that, for reas n whatsoever, any obligation of Borrower or of Lender pursuant to the terms or requirements hereof or of any otheron doou nt shall be construed to violate any of the provisions of the Texas Constitution applicable to Exte stones of Creditas fined by Section 50(a)(6) and Section 50(t), Article XVI of the Texas Constitution, then any such obli )dri ��II be,s bject'to the provisions of thls Section 32, and subject to Applicable Law, such document shall be automatically ref ad, without the necessity of the execution of any amendment or new document, so that Borrowers or L de s obllgatl n shall be modified to conform to the Texas Constitution, and in no event shall Borrower or Lender be igpted T,d erform any act, or be bound by any requirement which would conflict therewith P All agreements between Lender and I collected (other than by payment of connection with the origination, ev exceed, in the aggregate, the higheat Nothing in this Security Applicable Law in keeph Lender's right to this Section 32 s Sly limited so that any interest, loan charge, or fee collected or to be 'rvQk er, any owner or the spouse of any owner of the Property in r recording, insuring or servicing of the Extension of Credit shall not Applicable Law. ied so as to diminish any right Lender may have to cure any violation of 50(a)(6)(Q)(x) of the Texas Constitution. this Section 32 shall survive the payoff of this Extension of Credit. The provisions of nsistent provision of the Credit Agreement or this Security Document. Page 10 of 13 2024038357 Page 11 of 16 040w 1r C&Mb #W 0tp00<tlj ■ by $WNW 4ELAIAI. Oadr pOpon awd b ** Um aad o, — - c"all- in till DOoiIIIOIIt and b OW RiSmW d�i��oa rAM� L Raoh pww Owft b" ada►aYedai twooIII by tl1tl Isle * DOWAN d aid DOOM o1TWO 6 a V* try ft� aad *Kh OPWO bat t w Oipmkno slew OWA% OO domm ~ of 10 P1gp v &V Oaeh "Il ORS 71 NMnara 2024038357 Page 12 of 16 Originator Company. (WMLS ID 630001) State of Texas § County of vV S I% § This i s - ant was acknowledged before me on the 1 6 20 by Wiliam J Janke (seal with prhMed notary name and notary commission expiration) r A� Ai}RE KNOX �a ... f ?F' Nctar�l?lrbifc. State otTexas •_ l�lotary ID412581560-0 State of Texas 'My Commission Expires j § ' APR(L 18 2026 County of Tws ins .Invent was acknawledged before m e 20 by Maurine A Janke (seal wqh printed notary name and notary commission explradon) Pape 12 d 113 2024038357 Page 13 of16 Originator Company: (NMLS ID: 630601) State of Texas County of 1 This instrument was acknowledged before me on the day of 20 by _ (seal with printed notary Notary Signature name and notary commission expiration) State of Texas County of This instrument was acknowledged before e n the day of , 20 1 by (seal with printed notary Note Signature name and notary commi��'^^ expiration) State of Texas County of This instrume a 20 b4� (seal with pri ng name and no a exp n 'J< before me on the day of Notary Signature Page 13 of 13 2024038357 Page 14 of 16 LEGAL DESCRIPTION: Being,14.215 acres of land, situated in the Maria Jesusa Garcia Survey, Abstract No. 246, in Williamson County,'texas, said land being that certain tract of land, called 14.16 acres, as conveyed to Norma Whitson, 'trustee of the Whitson Family trust by deed recorded as Document No. 2009022864 of Official Public Records of Wllllamson County, Texas_ Surveyed on the ground In the month of A 2012, under the supervision of Drian F. Peterson, Registered Professional Land Surveyor, an i more particularly described as Follows; , Beginning at an iron pin found on the east line of County road No. 152, marking the Nod ihv�40rrtdi of the above -referenced 14.16 acre Norma L Whitson,. Trustee, tract, being t Wrlyr Southwest corner of that certain tract of land, called 2,50 acres, as conveyed to J 'Fer , avilton Tulk and James B. Tulk, by deed as recorded In Volume 2588, Page 818, of t Records of Williamson County, Texas, for the Northwiest corner hereof; Thence, along a northerly line of the said 14.16 acre Norma L. Whitson, TruSte t t, 8 a southerly line of the said 2.50 acre Tulk tract, N 69'12'45" E, 476.43 feet to an iro In Fau N 68°58'00" E, 402.99 feet to an iron pin found marking the most northerly Northe I i o e said 14.16 acre Norma L. Whitson Trustee, tract, being an Interior corner of the s�i�'0 arm tract, forth e most northerly Northeast corner hereof; Thence; S 19'09'30" L, at 20,01 feet more or less, pass the a �rlq•1�uthwest corner of the said 2.50 acre Tulk tract, being the Northwest corner of that main I of land, called 18,46, acres, as conveyed to James S. Tulk and wife, Jennifer E. H ikon, deed recorded In Volume 1823, Page 260, of the Ofticlal Records of Williamson Cnun 7tn ��Fence of 599.56 feet, in all, to an Iron pin found marking an interior corner of aid 141Fr a Norma L, Whitson Trustee, tract, being the most westerly Southwest corner of th 18.46 at Tulk and Hamilton tract, for an interior corner hereof;f Thence, N 70`48'30" G, 249.45 feet t64 r�on pin foun"arking the. most easterly Northeast.comer of the said 14.16 acre Norma L. Whitson,�trtotee, tract, being and 'interior corner of the said 18.46 acre Tulk and Hamilton tract, for the masteaster-"Xtheast corner hereof; Thence, S 19'll'4S", E; 23c2 fee�o I *n found on the north lineof that certain tract of land, called 300,00 acres, as come to J rises, L.L,P, by deed recorded as Document No, 9906494 of the Official Records ofJ.tMotmt/Texas, marking #he5qutheast carnet 4f the said 14,it; acre Norma L. Whitson, Trusctthemast southerly Southwest corner of the said Ii3.46 acre Tulk and Hamiltgygtractthe Squfheast corner hereof; Thence, aion kk Irne of tlhed S 69'58'3 " , marking s beingth tie id'oUt}fe said 14.16 acre Norma L Whitson, Trustee, tract, being the north �>Interprlses, 1.1,11, tract, S 68'06'45" W,120.01 feet to an Iron pin found; for an Iron pin found, and 5 68"02100" W, 428.79 feet to an iron pin found r Southwest corner of the said 14.16 acre Norma L. Whitson, trustee, tract, of that certaintract of land, called 4.00 acres, as conveyed to Chester Arnold 2024038357 Page 15 of 16 and wife, Karen E, Arnold; by deed recorded as Document No, 20010646S4 of the Official Public Records of Williamson County, Texas, for the mast southerly Southwest corner hereof; Thence, N 21a28'00" W, 343,48 feet to, an iron pin found marking an interior corner of the said 14.1 acre Norma L. Whitson, Trustee, tract, being the Northeast corner of the said 4.00 acre Arnold tract, an interior corner hereof; Thence, § 69°08'15" W, 497.00 feet to an iron pin found on the said east Mine of County Roo o. marking the most westerly Southwest corner of the said 14.16 acre Norma L. Whitson, Trus act being the Northwest corner of the said 4.00 acre Arnold tract, for the most westerly k hereof, Thence, along the said east line of County (toad No. 152, being a westerly line kfitkl SaIdW. 6 acre Norma L Whitson, Trustee, tract, N 15'S0'00" V11, 20,20 feet to an iron pin fo�'Db'00" W, 487.50 feet to the Place of 13%INNING and captaining 14,215 acres of land_ 2024038357 Page 16 of 16 ELECTRONICALLY RECORDED OFFICIAL PUBLIC RECORDS 2024038357 Pages: 16 Fee: $81.00 05/15/2024 10:28 AM AFAULKNER Nancy E. Rister, County Cl Williamson County,Te s ELECTRONICALLY RECORDED 2020022301 Williamson County, Texas Total Pages: 21 After Recording Return To: FIRST AMERICAN MORTGAGE SOLUTIONS ON BEHALF OF CALIBER HOME LOA 1795 INTERNATIONAL WAY IDAHO FALLS, ID 83402 Prepared by: Black, Mann & Graham, L.L.P. 2905 Corporate Circle �h Flower Mound, TX 75028 [Space Above This Line For Recording Data] Notice of confidentiality rights: If you are a natural person, y ma 4 vve or strike any or all of the following information from any instrument a sfe an interest in real property before it is filed for record in the public recv r Social Security Number or Your Driver's License Number. tt 'Loan Number 9722585347 01 VA. ase Number 4949-6-1457144 �R$Tiurnber 100820997225853475 DEED OF NOTICE: THIS LOAN IS T ABLE WITHOUT THE APPROVAL OF THE PA MENT OF VETERANS AFFAIRS OR ITS AU ORI GENT. DEFINITIONS Words used in multiples on$ nt are defined below and other words are defined in Sections 3, 11, 13, 18, 20 an s regarding the usage of words used in this document are also provided in Section 16. (A) "Secarity 1 rum " mea s this document, which is dated FEBRUARY 28, 2020, together with all Riders to this doc (B) "Burro J JANKE AKA WILLIAM JOSEPH JANKE AND MAURINE A JANKE AK N JANKE, HUSBAND AND WIFE;. Borrower is the grantor under this Security Ins (C) "Lend e ' ' L R HOME LOANS, INC.. Lender is a CORPORATION organized and existing under the la WARE. Lender's address is 1525 S. BELT LINE ROAD, COPPELL, TX 75019. Lender in o r of the Note who is entitled to receive payments under the Note. (D) " steel' 's THOMAS E. BLACK, JR.. Trustee's address is 2905 CORPORATE CIRCLE FLO TX 75028. le Family»•Fannie Mae/Freddle Mac UNIFORM INSTRUMENT Form3144 10117 fpage 1 uf15 purges) iiSiiu 4i-iiiii��� 2020022301 Page 2 of 21 (E) "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 ad d telephone number of P.O. Box 2026, Flint, MI 48501-2026, tel. (889) 679-MERS. (il) "Note" means the promissory note signed by Borrower and dated FEBRUARY 28, 2020ONIO states that Borrower owes Lender THREE HUNDRED NINETY-SIX THOUSAND NINE I�15 FORTY AND 00/100THS Dollars (U.S. $3%,940.00) plus interest. Borrower has promised top t 's debt`inv regular Periodic Payments and to pay the debt in full not later than MARCH 01, 2050. (G) "Property" means the property that is described below under the heading "Tian is ' the Property." (H) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charg d I charges due under the Note, and all sums due under this Security Instrument, plus interest. (1) "Riders" means all Riders to this Security Instrument that are executed by rr ii;e following Riders are to be executed by Borrower [check box as applicable]: ❑ Adjustable Rate Rider 13 Balloon Rider ❑ 1-4 Family Rider O Leasehold Rider CI Condominium Rider ❑ Planned Unit Development O V.A. Rider ❑ Revocable Trust Rider �Hoiine Rider ❑ B' kly Payment Rider M nufactured Home Rider Renewal & Extension Rider (J) "Applicable Law" means all controlling #pp)ica feder state and local statutes, regulations, ordinances and administrative rules and orders (PA law) as well as all applicable final, non - appealable judicial opinions. / (K) "Community Association Dues, Fees, � Assessm " means all dues, fees, assessments and other charges that are imposed on Borrower or the Prop a inium association, homeowners association or similar organization. (L) "Electronic Funds Transfer" �S any trans fu�ids, other than a transaction originated by check, draft, or similar paper instrument, whi pis initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to I ct, or authorize a financial institution to debit or credit an account. Such term includes, but is i it to, int-of-sale transfers, automated teller machine transactions, transfers initiated by telephon wire n s, automated clearinghouse transfers. (M) "Escrow Items" mean e th re described in Section 3. (N) "Miscellaneous Proceeds' compensation, settlement, award of damages, or proceeds paid by any third party (other than i eye eds paid under the coverages described in Section 5) for: (i) damage to, or destruction of the r perty; i' ndematation or other taking of all or any part of the Property; (iii) conveyance in lie d tion• (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property. (0) "Mort ra 8 means insurance protecting Lender against the nonpayment of, or default on, the Loan. (P) "Peri Mee eans the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii an Me under Section 3 of this Security Instrument. (Q) "R the Real Estate Settlement Procedures Act (12 U.S.C. § 2601 et seq.) and its et implem' g regt a ion, Regulation X (12 C.F.R. Part 1024), as they might be amended from time to time, or any additi a`or or legislation or regulation that governs the same subject matter. As used in this SOT611y-�Ins "RESPA" refers to all requirements and restrictions that are imposed in regard to a Family—FannieMae/Freddle Mae UNIFORM INSTRUMENT Form304410/17 (pageZoflSpages) 0 2020 Covius Services. LLC 2020022301 Page 3 of 21 "federally related mortgage Loan" even if the Loan does not qualify as a "federally related mortgaga loan" under RESPA. (R) "Successor In Interest of Borrower" means any party that has taken title to the Property, wheth of that party has assumed Borrower's obligations under the Note and/or this Security Instrument. TRANSFER OF RIGHTS IN THE PROPERTY The beneficiary of this Security Instrument is MERS (solely as nominee for Lender and Lender' c s s and assigns) and the successors and assigns of MERS. This Security Instrument secures 9 : the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (ii) e o anee of Borrower's covenants and agreements under this Security Instrument and the Note. For this orrower irrevocably grants and conveys to Trustee, in trust, with power of sale, the following t located in the Cotmty,_ [Type of Recording Jurisdiction] of WILLIAMSON of Recording Jurisdiction]: LEGAL DESCRIPTION ATTACHED HERETO AND MADE PART H which currently has the address of 2520 COUNTY ROAD 152 GEORGETOWN Texas 78626-1980 [City] [Zip Code] TOGETHER WITH all the improvements now or he the property, and all easements, appurtenances, and fixtures now or hereafter a part of the pr ty, replacements and additions shall also be covered by this Security Instrument. All of the foregoin refer to in this Security Instrument as the "Property." Borrower understands and agrees t legal title to the interests granted by Borrower in this Security Instrument, but, if n y to p 'th law or custom, MERS (as nominee for Lender and Lender's successors and assigns))s e right; to Lisa any or all of those interests, including, but not limited to, the right to foreclose and sell th ty; to take any action required of Lender including, but not limited to, releasing and canceling this Sec ent. BORROWER COVENANTS rrower is ly seised of the estate hereby conveyed and has the right to grant and convey the Property hat the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend ly the title to the Property against all claims and demands, subject to any encumbrances of re= THIS SECURITY INSTR nes uniform covenants for national use and non -uniform covenants with limited variQbn j sd' to constitute a uniform security instrument covering real property, UNIFORM COVENA r and Lender covenant and agree as follows: 1. Payment of Prin 1, n Escrow Items, Prepayment Charges, and Late Charges. Borrower shall pay when due prin i 1 of, interest on, the debt evidenced by the Note and any prepayment charges and late charges u Borrower shall also pay funds for Escrow Items purstiant to Section 3. Payments due e o an this Security Instrument shall be made in U.S. currency. However, if any check or; t r by Lender as payment under the Note or this Security Instrument is returned to Lender unp ' , require that any or al€ subsequent payments due under the Note and this Security Instrument be one more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified c , treasurer's check or cashier's check, provided any such cheek is drawn upon an instituti oso ost s are insured by a federal agency, instrumentality, or entity; or (d) Electronic Funds Transfsz. deemed received by Lender when received at the location designated in the Note or at such may be designated by Lender in accordance with the notice provisions in Section 15. Lender Family—Fannto Mae/Freddie Mae UNIF0kM INSTRUMENT Form 3044 10/17 (p(je 3 of IS pages) 0 2020 Covlus Services, LLC 2020022301 Page 4 of 21 may return any payment or partial payment if the payment or partial payments are insufficient to bring the Loan current. Lender may accept any payment or partial payment insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial payments in re, but Lender is not obligated to apply such payments at the time such payments are accepted. If each Payment is applied as of its scheduled due date, then Lender need not pay interest on umapplied fern may hold such unapplied fiends until Borrower makes payment to bring the Loan current. If Etarro t do so within a reasonable period of time, Lender shall either apply such funds or return them to r a er. If applied earlier, such funds will be applied to die outstanding principal balance under the Note i edi rior to foreclosure. No offset or claim which Borrower might have now or in the future against eve Borrower from making payments due under the Note and this Security Instrument or perf0 in a venants and agreements secured by this Security Instrument. 2. Application of Payments or Proceeds. Except as otherwise described in at' payments accepted and applied by Lender shall be applied in the following order of priority: ) in due under the Note; (b) principal due raider the Note; (c) amounts due under Section 3. Such pa rrts all pplied to each Periodic Payment in the order in which it became due. Any remaining ant, shall plied first to late charges, second to any other amounts due under this Security Instrument, nA to r duce the principal balance of the Note. If Lender receives a payment from Borrower for a delinquen Pere ent which includes a sufficient amount to pay any late charge due, the payment may be appiivkotie de uent payment and the late charge. If more than one Periodic Payment is outstanding, Een y �ly ny payment received from Borrower to the repayment of the Periodic Payments if, and to the ent th each payment can be paid in Rill. To the extent that any excess exists after the payment is applied a ful Pyrnent of one or more Periodic Payments, such excess may be applied to any late charges du epayments shall be applied first to any prepayment charges and then as described in the Note. Any application of payments, insurance proceeds, o isoell s Proceeds to principal due under the Note shall not extend or postpone the due date, or 01 e the Periodic Payments. 3. Funds for Escrow items. Borrower pay n the day Periodic Payments are due under the Note, until the Note is paid in full, a stun "Funds") ovide for payment of amounts due for; (a) taxes and assessments and other items which can attar rity ov is Security Instrument as a lien or encumbrvice on the Property; (b) leasehold payments or ground r� a Property, if any; (c) premiums for any and all insurance required by Lender under ion 5; and { , ortgage Insurance premiums, if any, or any sums payable by Borrower to Lender in lieu ayment of Mortgage Insurance premiums in accordance with the provisions of Section 10. These items are "Escrow Items." At origination or at any time during the tern of the Loan, Lender may require that r ociatioa Duos, Fees, and Assessments, if any, be escrowed by Borrower, and such dues, fees an s shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amorsls to d this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender wa obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's oblig o ender Funds for any or all Escrow Items at any time. Any such waiver may only be in wr' vent of such waiver, Borrower shall pay directly, when and where payable, the amour ue iy E r w Items for which payment of Funds has been waived by Lender and, if Lender reauireg'>t der receipts evidencingsuch a ant within such tim ' d Le d may require. deemed to b agreement" is Borrower fails such amount a may and, p ym a perto as n er ' to make such payments and to provide receipts shall for all purposes be a greerncnt contained in this Security Instrument, as the phrase "covenant and 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and Imdzm t due for an Escrow Item, Lender may exercise its rights under Section 9 and pay r shall then be obligated under Section 9 to repay to Lender any such amount. Lender to any or all Escrow Items at any time by a notice given in accordance with Section 15 Borrower shall pay to Lender all Funds, and in such amounts, that are then required roily —Fannie MadFreddle Mne UNIFORM INSTRUMENT Form 3044 10117 (page 4 of l5 pages) 0 2020 CoAus SorMces, LLC 2020022301 Page 5 of 21 Lender may, at any time, collect and hold Funds in an amount (a) sufficient to permit Lender to apply the Funds at the time specified under RESPA, and (b) not to exceed t11e maximum amount a lender can requipe raider RESPA. Lender shall estimate the amount of Funds due on the basis of current data and reasonable esti of expenditures of future Escrow Items or otherwise in accordance with Applicable Law. The Funds shall be held in an institution whose deposits are insured by a Moral agency, ins litya, or entity (including Lender, if Lender is an institution whose deposits are so insured) or in any F -1,1 o e Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time sunder RESPA. Lender shall not charge Borrower for holding and applying the Funds, annually anal row account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds b}e'>',aw permits Lender to make such a charge. Unless an agreement is made in writing or Appl' bl equires interest to be paid on the Funds, Lender shall not be required to pay Borrower any interest i ra ' on the Funds. Borrower and Lender can agree in writing, however, that interest shall be a Lender shall give to Borrower, without change, an annual accounting of We Funds as required RES If there is a surplus of Funds held in escrow, as defined tinder RESPA, Len acc:o t to Borrower for the excess funds in accordance with RESPA. If there is a shortage of Funds t in 1 , as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrowe sh to ender the amount necessary to make up the shortage in accordance with RESPA, but in no m anonthly payments. If there is a deficiency of Funds held in escrow, as defined under RESPA, der tt y Borrower as required by RESPA, and Botrowe7r shall pay to Lender the amount necessary to up 1 deficiency in accordance with RESPA, but in no more than 12 monthly payments. Upon payment in full of all sums secured by this Security im Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assess entk lt� fines, and impositions attributable to the Property which can attain priority over this Security I to t hold payments or ground rents on the Property, if any, and Community Association Dues, Fees, d s eats, if any. To the extent that these items are Escrow Items, Borrower shall pay them i9-the�rta a xi in Section 3. Borrower shall promptly discharge anyrlf whi as 'ority over this Security Instrument unless Borrower: (a) agrees in writing to the paymeeql the obli i secured by the lien in a manner acceptable to Lender, but only so long as Borrower is perfo3 such a meat; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal pl c which in Lender's opinion operate to prevent the enforcement of the lien while those pr dings are , but only until such proceedings are concluded; or (c) secures from the holder of the lien an Alpvement satisfactory to Lender subordinating the lien to this Security Instrument. If Leader determines that any pis (the Property is subject to a lien which can attain priority over this Security Instrument, Lender may rrror e�i a notice identifying the lien. Within I4 days of the date on which that notice is given, Borrower iial t the lien or take one or more of the actions set forth above in this Section 4. Lender may require BoOo�kr to a nee -time charge for a real estate tax verification and/or reporting service used by Lender in co oni i is Loan, 5. Property Ins Orr r hall keep the improvements now existing or hereafter erected on the Property insured a ' st I by fit , hazards included within the term "extended coverage,' and any other hazards includin , t t , earthquakes and floods, for which Lender requires insurance. This insurance shall t e amounts (including deductible levels) and for the periods that Lender requires. eqt r purskiant to the preceding sentences can change during the term of the Loan. The insuranc ter v�'ding the insurance shall be chosen by Borrower subject to Lender's right to disapprove Bo chose' which right shall not be exercised unreasonably. Lender may require Borrower to pay, in con octi itjt is Loan, either: (a) a one-time charge for flood zone determination, certification and tracking ces, or ) one-time charge for flood zone determination and certification services and subsequent charges a time appings or similar changes occur which reasonably might affect such determination or Cortii I er shall also be responsible for the payment of any fees imposed by the Federal Emergency Family --Fannie Maelfreddle Mae UNIFORM INSTRUMLNT Form 3044 16/17 (page 5 of l5 pages) 02020 Covlus Services, LLC 2020022301 Page 6 of 21 Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain i oe coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any pa type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might plotem Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, Nazar I ihil� ' y and might provide greater or lesser coverage than was previously in effect. Borrower acknowledge' t the cat ofthe insurance coverage so obtained might significantly exceed the cost of insurance that Borro er I(Ihave obtained. Any amounts dishursed by Lender under this Section 5 shall become additiona ebt o Bower secured by this Security Instrument. These amounts shall bear interest at the Note rat t e date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower r tin yment. All insurance policies required by Lender and renewals of such policies shall b 's er's right to disapprove such policies, shall include a standard mortgage clause, and shall n e d as mortgagee and/or as an additional loss payee. Lender shall have the right to hold the pohei ewa rtificatss. If Lender requires, Borrower shall promptly give to bender all receipts of; p i ms ewal notices. If Borrower obtains any form of insurance coverage, not otherwise requir b der, r damage to, or destruction of, the Property, such policy shall include a standard mortgage all name Lender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insutei Carr and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lend otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance s req y Lender, shall be applied to restoration or repair of the Property, if the restoration or repair is e44mica feasible and Lender's security is not lessened. During such repair and restoration period, ia the right to hold such insurance proceeds until Lender has had an opportunity to inspect suc o ensure the work has been completed to Lender's satisfaction, provided that such inspection shall bet n ertake omptly. Lender may disburse proceeds for the repairs and restoration in a single payment jrress payments as the work is completed. Unless an agreement is made in writing or A ' ble res interest to be paid on such insurance proceeds, Lender shall not be required to pa rrower an terest or earnings on such proceeds. Pees for public adjusters, or other third parties, retnine rrower 11 not be paid out of the insurance proceeds and shall be the sole obligation of Borrower. If the t ii repair is not economically feasible or Lender's security would be lessened, the insur proceeds al be applied to the sums secured by this Security Instrument, whether or not then due, wit excess, if any, paid to Borrower. Such insurance proceeds shall be applied in the order provided for in Section . If Borrower abandons the Prop Sy, ndeg ay file, negotiate and settle any available insurance claim and related matters, If Borrower d no d within 30 days to a notice from Lender that the insurance carrier has offered to settle "ahn, may negotiate and settle the claim. The 30-day period will begin when the notice is given, a or if Lender acquires the Property under Section 22 or otherwise, Borrower hereby assigns to rV �o wees rights to any insurance proceeds in an amount not to exceed the amounts unpaid under I o e o t ' ecurity Instrument, and (b) any other of Borrower's rights (other than the right to any re r)d o earn remiums paid by Borrower) under all insurance policies covering the Property, insofarsti i plicable to the coverage of the Property. Lender may use the insurance proceeds oithcr r or6 the Property or to pay amounts unpaid under the Note or this Security Instrument, of ue. 6.Occ Y. er shall occupy, establish, and use the Property as Borrower's principal residence within 60 da o to tion of this Security Instrument and shall continue to occupy the Property as Borrower's • a e�nce for at least one year after the date of occupancy, unless Lender otherwise agrees in writing r se shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyon orrow�control. �P S+eKvsrt n, Maintenance and Protection of the Property; Inspections. Borrower shall not destroy, 'the Property, allow the Property to deteriorate or commit waste on the Property. Whether or Family—Famale Mae/Freddie Mae UNIFORM INSTRUMENT Form 3044 10117 (page 6 of lSpagec) 0 2020 Covius Services, LLC 2020022301 Page 7 of 21 not Borrower is residing in the Properly, Borrower shall maintain the Property in order to prevent the Property from deteriorating or decreasing in value due to its condition. Unless it is determined pursuant to Secti 5 that repair or restoration is not economically feasible, Borrower shall promptly repair the Property if da to avoid further deterioration or damage. If insurance or condemnation proceeds are paid in connecti i damage to, or the taking of, the Property, Borrower shall be responsible for repairing or restoring th only if Lender has released proceeds for such purposes. Lender may disburse proceeds for the I restoration in a single payment or in a series of progress payments as the work is completed. If th ranee condemnation proceeds are not sufficient to repair or restore the Property, Borrower is not relievef Q 's obligation for the completion of such repair or restoration. Lender or its agent may make reasonable entries upon and inspections of the P e it has reasonable cause, Lender may inspect the interior of the improvements on the Properry, der all give Borrower notice at the time of or prior to such an interior inspection specifying such r jok 8. Borrower's Loan Application. Borrower shall be in default if, during the an `ration process, Borrower OF any persons or entities acting at the direction of Borrower or with Bo C owledge or consent gave materially false, misleading, or inaccurate information or statements to Ler>� (or �to provide Lender with material information) in connection with the Loan. Material representatr s i e, bu are not limited to, representations concerning Borrower's occupancy of the Property as Borrower ' Cr idence. 9. Protection of Lender's Interest in the Property and Rights U der t urity Instrument. If (a) Borrower fails to perform the covenants and agreements contained in this=ity It men% (b) there is a legal proceeding that might significantly affect Lender's interest in the t rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for cond tion orfeiture, for enforcement of a Lien which may attain priority over this Security Instrument or to a ce la or regulations), or (c) Borrower has abandoned the Property, then Lender may do and pay for 's-r sonable or appropriate to protect Lender's interest in the Properly and rights under this Seouri �nstr nt, including protecting and/or assessing the value of the Property, and securing and/or repairing the oparty. skier's actions can include, but are not limited to: (a) paying any sums secured by a lien o 'ty-o r this Security Instrument; (b) appearing in court; and (0) paying reasonable attorneys' f of t ' I est in the Property and/or rights under this Security Instrument, including its secured posin a ban cy proceeding. Securing the Property includes, but is not limited to, entering the Property to a repa' s change locks, replace or board tip doors and windows, drain water from pipes, eliminate buildin t e violations or dangerous conditions, and have utilities turned on or off. Although Leqmay take a rider this Section 9, Lender does not have to do so and is not under any duty or obligation t o. It is agreed that Lender incurs no liability for not taking any or all actions authorized under this Section 9. Any amounts disbtused by Less r tion 9 shall become additional debt of Borrower secured by this Security Instrument. These a a ear interest at the Note rate from the date of disbursement and shall be payable, with such irv6*wt, u ti om Lender to Borrower requesting payment If this Security Instrumen a Id, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to r, o leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortga ns ca. If der required Mortgage Insurance as a condition of making the Loan, Borrower shall p e In i_ iced to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Ins a r4q ired by Leader ceases to be available from the mortgage insurer that previously pr Iins and Borrower was required to make separately designated payments toward the premiu Me nsurance, Borrower shall pay the premiums required to obtain coverage substantially t to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Barr rtgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. 17 to t ly equivalent Mortgage Insmance coverage is not available, Borrower shall continue to pay to Lender amou of the separately designated payments that were due when the insurance coverage ceased to bo '" er will accept, use and retain these payments as a non-refiindable loss reserve in lieu of Maags�fit�ur ee. Such loss reserve shall be non-refundable, notwithstanding The fact that the Loan is Family —Fannie Mae(Freddie Mac UNIFORM INSTRUMENT Form 304t 10/17 anige 7 of 15 pages) 02020 Co-Aus SoMoos, LLC 2020022301 Page 8of21 ultimately paid in full, and Lender shall not be required to pay Borrower any interest or earnings on such loss 'reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the am unt and for the period that Lender requires) provided by an insurer selected by Lender again becomes avai It is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Ins If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was requir ,1�ta separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay th ta,%n s required to maintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, fti Lender'j requirement for Mortgage Insurance ends in accordance with any written agreement betwee o rez�and Lender providing for such termination or until termination is required by Applicable Law "is Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for c i 1 it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mo ge is ran Mortgage insurers evaluate their total risk on all such insurance in force from t" to and may enter into agreements with other parties that share or modify their risk, or reduce la e anents are on terns and conditions that are satisfactory to the mortgage insurer and the othikparK parties) to these agreements. These agreements may require the mortgage insurer to make pa ruts is fig airy source of funds that the mortgage insurer may have available (which may include funds I Mortgage Insurance prep iums). As a result of these agreements, Lender, any purchaser of the Noth surer, any reinsurer, any other entity, or any affiliate of any of the foregoing, may receive (direct�r3+'gr Ira t ) amounts that derive from (or might be characterized as) a portion of Borrower's payments for brtgag surance, in exchange for sharing or modifying the mortgage insurer's risk, or reducing losses, If s c agr ent provides that an affiliate of Lender takes a share of the insurer's risk in exchange for a emiums paid to the insurer, the arrangement is often termed "captive reinsurance." Further: (a) Any such agreements will not affect the amour hat B rower has agreed to pay for Mortgage Insurance, or any other terms of the Loan. Sue of Increase the amount Borrower will owe for Mortgage Insurance, and they will n tie or w a any refund. (b) Any such agreements will not it a the nigh orrower has - If any - with respect to the Mortgage Insurance under the Homeowners etion of 1"S or any other law. These rights may Include the right to receive certain discloser - r st and obtain cancellation of the Mortgage Insurance, to have the Mortgage Ins�nce terming utomatically, and/or to receive a refund of any Mortgage Insurance premiums that we'r, In ed at t e time of such cancellation or termination. 11t Assignment paid MiseeAaneous eds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to I.endcr If the Property is damaged, s emus Proceeds shall be applied to restoration or repair of the Property, if the restoration of jr of i iy feasible and Lender's security is not lessened. During such repair and restoration period, Le sh the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect r y to ensure the work has been completed to Lender's satisfaction, provided that such inspecti atF lI b taken promptly. Lender may pay for the repairs and restoration in a single disbursementor, in a ies of r ress payments as the work is completed. Unless an agreement is made in writing or App I interest to be paid on such Miscellaneous Proceeds, Lender shall not be required to pay r n Brest or earnings on such Miscellaneous Proceeds. If the restoration or repair is not economi f or 's security would be lessened, the Miscellaneous Proceeds shall be applied to the sums secu tht wity Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such Miseellan ? shall be applied in the order provided for in Section 2. In th even a (al taking, destruction, or loss in value of the Property, the Miscellaneous Proceeds shall be a ed t su secured by this Security Instrument, whether or not then due, with the excess, if any, paid to war. #h e t a partial taking, destruction, or loss in value of the Property in which the fair market value of t ty mediately before the partial taking, destruction, or loss in value is equal to or greater than the Family --Fannie Mae/Freddie Mae UNIFORM INSTRUMENT Form 3041 10/17 Quige 8 of 15 pages) 02020 Covtus 3er*w, LLC 2020022301 Page 9 of 21 amount of the sums secured by this Security Instrument immediately befora the partial taking, destructSon, or loss in value, untess Borrower and Lender otherwise agree in writing, the sums secured by this ecusiry Instrument shall be reduced by the amount of the Miscellaneous Proceeds multiplied by the following (a) the total amount of the sums secured immediately before the partial taking, destruction, or loss i divided by (b) the fair market value of the Property immediately before the partial taking, destructionarkips i value. Any balance shall be paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair a et va of the Property immediately before the partial taking, destruction, or loss in value is less than thin f the sums secured immediately before the partial taking, destruction, or loss in value, unless Bohr` der otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sums see! b i urity Instrument whether or not the sums are then due. If the Property is abandoned by Borrower, or if, after notice by Lender to Bo i pposing Party (as defined in the next sentence) offers to make an award to settle a claim for age ower fails to respond to Lender within 30 days after the date the notice is given. Lender is auth 1 call and apply the Miscellaneous Proceeds either to restoration or repair of the Property or to th s se by this Security Instrument, whether or not then due. "Opposing Party" means the third party t at o Borrdwer Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard to I is Proceeds. Borrower shall be in default if any action or proceeding, wheth civ'"�iminal, is begun that, in Lender's judgment, could result in forfeiture of the Property or other mat �pai t of Lender's interest in the Property or rights under this Security Instrument. Borrower can u f >i d ult and, if acceleration has occurred, reinstate as provided in Section 19, by causing the action proceoing to be dismissed with a ruling that, in Lender's judgment, precludes forfeiture of the Property or of ma i I impairment of Lender's interest in the Property or rights under this Security Instrument. The o award or claim for damages that are attributable to the impairment of Lender's interest in th op re hereby assigned and shall be paid to Lender. All Miscellaneous Proceeds that are not app " t it of the Property shall be applied in the order provided for in Section 2. 12. Borrower Not Released; Forbeara Bly Lende of a Waiver. Extension of the time for payment or modification of amortization of the sums sect this irily Instrument granted by Lender to Borrower or any Successor in Interest of Borrower shall not a lease the liability of Borrower or any Successors in Interest of Borrower. Lender shall not- required to `tr} ence proceedings against any Successor in Interest of Borrower or to refuse to extend dine yment or o wrwise modify amortization of the sums secured by this Security Instrument by reason of any de trade by the original Borrower or any Successors in Interest of Borrower. Any forbearance by Lender a ci i any right or remedy including, without limitation, Lenders acceptance of payments from third n t tied or Successors in Interest of Borrower or in amounts less than the amount then due, shall nalt) a w ' e f o p{eclude the exercise of any right or remedy. 13. Joint and Several ; ers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's obligations . bI shall be joint and several. However, any Borrower who co-signs this Security Instrument but s no , to the Note (a "cosigner"): (a) is co-signing this Security Instrument only to mortgage, wapt at nve t e co-signer's interest in the Property under the terms of this Security Instrument; (b) is N led to pay the sums secured by this Security Instrtment; and (C) agrees that Lender an r r can agrea to extend, modify, forbear or make any accornmodations with - regard to the t Instrument or the Note without the co-signer's consent. Subject p ns of Section 1.8, any Successor in Interest of Borrower who assumes Borrower's obligations under ecli Instrument in writing, and is approved by Lender, shall obtain all of Borrower's rig hts and his Security Instnment. Borrower shall not be released from Borrowers obligations and liabili � t 's urity Instrument unless Lender agrees to such release in writing. The covenants and agreement�f this urity Instrument shall bind (except as provided in Section 20) and benefit the successors and assiA.ns Family --Fannie Mae/Freddie Mae UNIFORM INSTRUMENT Form 3044 10/17 (page 9 of 15 pages) 02020 Covius Servioes, LLC 2020022301 Page 10 of 21 14. Loan Charges. Lender may charge Borrower Fees for services performed in connection with Borrower's default, for the purpose of protecting Lender's interest in the Pt-operty and rights under this, ecurity Instrument, including, but not limited to, attorneys' fees, property inspection and valuation fees. In regaid'14iy other fees, the absence of express authority in liars Security Instr►uuent to charge a specific fee to Borrower-ottli not be construed as a prohibition on the charging of sueb fee. Lender may not charge fees that ar !Tess` y, prohibited by this Security Instrument or by AppIicable Law. If the Loan is subject to a law which sets maximum loam charges, and that law is finally inters ed sn th&t' tine interest or other loan charges collected or to be collected in connection with the Loon exec, tin itted Iin1its, then: (a) any such loan charge shall be reduced by the amount necessary to reduce' #ta f r i to the permitted limit; and N any sums already collected from Borrower which exceeded per itt +m ts� will be refunded to Borrower. Lender may choose to make this refund by reducing tine principal ow���er Note or by staking a direct payment to Borrower. If a refund reduces principal, (lie redaction7p, `—'ba -tedas a partial prepayment without any prepayment charge (whether or not a prepayment chargeroviged for under the Note). Borrower's acceptance of any such refund made by direct payment to Bor f veilI 0a11 titute a waiver of any right of action Borrower might have arising out of such overcharge. C4� •, 15. Notices. All notices given by 13arrawer or Lender in caiuiectioi> wi}E�tftis� curity-instrument must be in writing. Any notice to Borrower in connection with this Security Iastrurinents-4hiiWbe deemed to have been given to Borrower when mailed by first class mail or when acivaIIy (lei ivexpd to r?o ver's notice address if sent by other means. Notice to any one Borrower shall constitute notice to 411,$orro�ers wiles Applicable Law expressly requires otherwise. The notice address sha11 be the Property Mdre - nies Borrower has designated a substitute notice address by notice to Lender. Borrower shall proly notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's age o� address, then Borrower shall only report a change of address tlu•ough that specified procedure. T-here. tuna •ire,cfnIy one designated notice address under this Security Instrument at any one time. Any noti fo 7.e er'shall be given 6y delivering it or by mailing it by first class mail to Lender's address stated her ' unless�I rider has designated another address by notice to Borrower. Any notice in connection w�h_ MIS S cltrltyln trument shall not be deemed to have been given to Lender until actually received by Lennie I€'a otice-rewired by this Security Instrument is also required under Applicable Law, the ApplicaltfLaw requt a eat will satisfy the corresponding requirement under this Security Instnunent. � 16. Governing Law; Severability; Rules ©0oitsiflon. This Security Instrument shall be governed by federal law and the law of the jt soiction in whit ,Property is located. All rights and obligations contained in this Security Instrumen�e subjcct to any requirements and limitations of Applicable Law. Applicable Law might explicitly or implicitty.�Hgw the parties to agree by contract or it might be silent, but such silence shall not be construed as a pr an a944i;t agreement by contract. In the event that any provision or clause of this Security Instrument or e qt� cols acts with Applicable Law, such conflict shall not affect other provisions of this Security Indfiumentpre W-which can be givesi effect witltout the conflicting provision. As used in this Sectiri '1 qst (a) words of the masculine gen&f shall mean and include corresponding neuter words orrv�n `of -e feminine gender; (b) words in the singular shall mean and include the plural and vice versa; an' (c) the �x "may" gives sole discretion without any obligation to take any action. 17. BorrowgryI Co�Q , Barr er shall be given one copy of the Note and of this Security Instrument. .Trans o '6F{3irt Pro�reu , r a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property," caps' legal or beneficial interest in the Property, including, but not limited to, those beneficial inR `a ssfe n a bond for deed, contract for deed, installment sales contract or escrow agreement, the.itit t of which is the transfer of title by Borrower at a future date to a purchaser. ]fall or atry.pvt of tht Property or any Interest in the Property is sold or transferred (or if Borrower is not a nattu d p©rson--" neficial interest in Borrower is sold or transferred) without Lender's prior written consent, der require immediate payment in full of all sums secured by this Security Instrument. Howe v t is opti nj shall not be exercised by Lender if such exercise is prohibited by Applicable Law. �-I L er_ rases this option, Lender shall give Borrower notice of acceleration. The notice shall pro�d"a e�tod of not less than 30 days from the date due notice is given in accordance with Section 15 within Family—Fanate Mike/Freddie Mae UNIFORM INSTRUMENT Form 3044 10117 (page 10 of 151xiges) 02020 Corlus Services, LLC 2020022301 Page 11 of 21 which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these stuns prior to the expiration of this period, Lender may invoke any remedies permitted by this Security InStstunem without further notice or demand on Borrower. 19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions, Ro roWdeT, shall have the right to have enforcement of this Security Instrument discontinued at any time prior to thre`earlie�F. of: (a) five days before sale of the Property pursuant to any power of sale contained in this Secai•ity f{ditk ,)r4er►t; (b) such other period as Applicable Law might specify for the termination of Borrower's right to r �slue; or (cy entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower: ()..pal%=der all sums which then would be due udder this Security Instrument and cite Note as if no acceler' �p �ui•ed; (b) cares any default of any other covenants or agreements; (e) pays all expenses incurrdir f6rbrtg this Security Instrument, including, but not limited to, reasonable attorneys' fees, property iet�ro _ an j�altiatien fees, and other fees incurred for the purpose of protecting Lender's interest in the Pr I y_irrtd rigltts`under this Security Instrument; and (d) lakes such action as Leader may reasonably require to .lt s Bre t ta(- oder's interest in the Property and rights under this Security Instrument, and Borrower's obligati a �`ay the stfms secured: by this Security Instntment, shall continue unchanged. Lender may require that wer pet §uch reinstatement sums and expenses in one or more of the following forms, as selected by Lender _ cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any�such,• hick is drawn upon an institution whose deposits are instured by a federal agency, instrumentglity or �ntityc or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, this Security Instrument andg ion) �ured hereby shall remain fitIIy effective as if no acceleration had occurred. However, this ri:�nce. euns ate all not apply iti the case of acceleration twder Section 18. 20. Sale of Note; Change of Loan Servicer; Notice of Gr Y a Note or a partial interest in the Note (together with this Security Instrument) can be sold one or-trtorynthout prior notice to Borrower. A sale might result in a change in the entity (known as the " muter") that collects Periodic Payments due under the Note and this Security Instruunent and performs t er or gage loan servicing obligations tinder the Note, this Security Instrument, and Applicable L M A o-raight be one or more changes of the Loan Servicer unrelated to a sale of the Note. If therevis al - oaf tft&-D an Servicer, Borrower will be given written notice of the change which will state the siassta Ind addr f the new Loan Servicer, the address to which payments should be made and any other infor m�ati3n.RESP r quires in connection with a notice of transfer of servicing. If the Note is sold and thereafter the Loan��sw6i ed by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing Obligations ta-•0`prrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer a _d-gre not assumed by the Note purchaser wiless otherwise provided by the Note purchaser. Neither Borrower nor Lender QM e, join, or be joined to any judicial action (as either an individual litigant or the member of cl that arises from the other partyrs actions pursuant to this Security Instrument or that alleges that1he of y Wbreached any provision of, or any duty owed by reason of, this Security Instrument, until such,'.*, fro finder has notified the other party (with such notice given in compliance with the requirements of�ectton 15) of such alleged breach and afforded the other party hereto a reasonable period after the ing 5c1i notice to take corrective action. If Applicable Law provides a time period which must elapse l' fbre certt 'rsz action can be taken, that time period will be deemed to be reasonable for purposes of this p- 'agra b. ` r 66c of acceleration and opportunity to curd given to Borrower pursuant t ply tY g p o Section 22 and,(ii naf�c ac;ce erstion given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and op ` t: ' eta takirn ective action provisions of this Section 20. 21. Ha us'sostances. As used in this Section 21: (a) "Hazardous Substances" are those substances defined as to e r i�nzard�us substances, pollutants, of wastes by Envirornnental Law and the following substances: i e, msene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile s��l ertals containing asbestos or formaldehyde, and radioactive materials; (b) "Environmental Law" to s fetlera� aws and laws of the jurisdiction where the Property is located that relate to health, safety or env�,en�r_ tion; (c) "Environmental Cleanup" includes any response action, remedial action, or Family --Fannie Mae/Freddie Mae UNIFORM INSTRUMENT Form 3044 10l17 (page H of 15 paps) 0 2020 Covlus services, LLC 2020022301 Page 12 of 21 removal action, as defined itt Environmental Law; and (d) an 'IFnvironmental Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any H us Substances, or di eaten to release any Hazardous Substances, on or in the Property. Borrower shall not , p allow ail yone else to do, anything affecting the Propeity (a) I h a t is in violation of any EnAroam tilt atLaN which Creates an Gnvirontnental Condition, or (c) which, due to the presence, use, or release of.'Kanrcibup Substance, creates a condition that adversely affects the value of the Property. The preceding t �sentenNes) shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous—Stt� 8� that are generally recognized to be appropriate to normal residential uses and to mairrtetran , he Property (including, but not limited to, hazardous substances in consumer prodttcts), / Borrower shall promptly give Lender written notice of (a) any investigation, claim, nd uit or other action by any governmental or regulatory agency or private early llvolvir P operty and any Hazardous Substance or Envkonmental Law of which Borrower has actual knOwl (b) Condition, including belt not limited to, any spilling, leaking, discharge, relea lr,threat �tvironnlental ease of any Hazardous Substance, and (c) any condition caused by the presence, use or rel of a••�laaardous Substance which adversely affects the value of the Property. If Borrower learns, or its matt d.,by Mt governmental or reguhatory authority, or any private panty, thatany removal or other retnedtat on.� 'a y,lia2ardorts Substance affecting the Property is necessary, Borrower shall promptly take all ne�zmry rgiie 0 actions in accordance with Environmental Law. Nothing herein shall create any obligation on Let�sr,�or�t '1?nvirat:mental Cleanup. NON -UNIFORM COVENANTS, Borrower and Lender further' 4yentirr_t an agree as follows: 22. Acceleration; Remedies. Lender shall give notice to orrow prior to acceleration following Borrower's breach of any covenant or agreement in this Securl tstru ` }tt (but not prior to acceleration under Section 18 unless Applicable Law provides otherwise).-� to�shall specify: (a) the default; (b) the action required to cure the default; (c) a date, not les tftanQtys from the date the notice is given to Borrower, by which the default must be cured; and (d)4 at fails r to cure the default on or before the date specified in the notice will result in accelerKvn t►f #h���Surns cured by this Security Instrument and sale of the Property. The notice shall Further; it�fvrmar war of the right to reinstate after acceleration and the right to bring a court action to ert the none istence of a default or any other defense of Borrower to acceleration and sale. If the de tql not c r on or before the date specified in the notice, Loader at its option may require immediate pttle, " n full of all sums secured by this Security Instrument without further demand and may invok power of sale and any other remedies permitted by Applicable Law. Lender shall be'to collect all expenses Incurred in pursuing the remedies provided in this Section 22, including, bbt,'n limited to, reasonable attorneys' fees and costs of title evidence. For the purposes of this Seetian,22t ,- term "Lender" includes any holder of the Note who is entitled to receive payments under e )� �. If Lender invokes the paws f/�fR, !der, its designee, or Trustee shall give notice of the date, time, place and terms of sale 1r P3O thW d filing the notice at least 21 days prior to sale as provided by Applicable Law. Lender ot�--I�'d�3lgnee shall mail a copy of the notice to Borrower in the manner prescribed by Applicable �v S shall be public, occurring between the hours of 10 a.m. and 4 p.m. on a date and at a lec�tifltt If ;It Applicable Law. The time of sale must begin at the time stated in the notice of sale or t flsfte� fhat<'L3t hours afterthe stated time. Borrower authorizes Trustee to sell the Property to st��d�ler !or cash in one or more parcels and in any order Trustee determines. Lender or i" sik�Ipid v�tay�l lychase the Property at any sale. Truste"lisll to the purchaser Trustee's deed conveying indefeasible title to the Property with covenants} oY. ' o,cr!Otarranty from Borrower. Borrower covenants and agrees to defend generally the Property against all claims and demands. The recitals in the Trustee's deed shall be p�jn I'skcl ev ence of the truth of the statements made therein. Trustee shall apply the proceeds of the salt the fo owing order: (a) to all expenses of the sale, including, but not limited to, reasonable Trusteed in fees; (b) to all sums secured by this Security Instrument; and (c) any excess to the per�prr "rsons legally entitled to it, Family—Fanate Mae/Freddle Mac UNIFORM INSTRUMENT Form 3044 10/17 (page 12 ofl5pages) 0 2020 CoNus Services. LLC 2020022301 Page 13 of 21 If the Property is sold pursuant to this Section 22, Borrower or any person holding possession of the Property through Borrower shall immediately surrender possession of the Property to the pure se at that sale. If possession Is not surrendered, Borrower or such person shall be a tenant at suffera nd may be removed by writ of possession or other court proceeding. 23. Release. Upon payment of all sums secured by this Security Instrument, Lender steal e release of this Security Instrument to Borrower or Borrowers designated agent in accordance it ppliea Law. Borrower shall pay any recordation costs. Lender may charge Borrower a fee for releasin Securit3� Instrument, but only if the fee is paid to a third party for services rendered and the char ' ee is permitted under Applicable Law. 24. Substitute Trustee; Trustee Liability. All rights, remedies and duties of Trust t nn ecurity Instrument may be exercised or performed by one or more trustees acting alone or toge n option and with or without cause, may from time to time, by power of attorney or otherwise c u titute any trustee, add one or more trustees, or appoint a successor trustee to any Trustee u the ecessity of any formality other than a designation by Lender in writing. Without any further act rk nee of the Property the substitute, additional or successor hustee shall become vested with the titghts, ies, powers and duties conferred upon Trustee herein and by Applicable Law. Trustee shall not be liable if acting upon any notice, request, con d d, statement or other document believed by Trustee to be correct. Trustee shall not be liable fo y r ission unless such act or omission is willful. 25. Subrogation. Any of the proceeds of the Note used to to tstan L liens against all or any part of the Property have been advanced by Lender at Borrower's req t and n Borrower's representation that such amounts are due and are secured by valid liens against the Pr er shall be subrogated to any and all rights, superior titles, liens and equities owned or claim or holder of any outstanding liens and debts, regardless of whether said liens or debts are acq r d by der by assignment or are released by the holder thereof upon payment. 26. Partial Invalidity. In the event any a intended to be secured by this Security Instrument cannot be lawfully secured hereby, en ts r uc sorb of such sums shall be applied first to those portions not secured hereby. 27. Purchase Money; Owelty of Farm ' Rene and Extension of Liens Against Homestead Property; Acknowledgment of Cash Advanced A Homestead Property. Check box as applicable- 0 Purchase Money. The fiords advanced to Borrower i Nate were used to pay all or part of the purchase price of the Property. The Note also is primarily b vendor's lien retained in the deed of even date with this Security Instrument conveynig the a rrower, which vendor's lien has been assigned to Lender, this Security Instrument being adds-i4o al ty such vendor's lien. 0 Owelty of Partition. The Note represents a a by Lender at the special instance and request of Borrower for the purpose of acquiring the re fie le title to the Property and the existence of an owelty of partition imposed against tl ntire f the •operty by a court order or by a written agreement of the parties to the partition to secur a lute ote is expressly acknowledged, confessed and granted ® Renewal. Liens Against Homestead Pro ert The attached Its all rights, I original h �d exretr�i p Y• d extension, but not in extinguishment, of the indebtedness described on the lmsion Exhibit which is incorporated by reference. Lender is expressly subrogated to id securing the original holder of a note evidencing Borrower's indebtedness slid the indebtedness are renewed and extended to the date of maturity of the Note in renewal iedjsent of Cash Advanced Against Non -Homestead Property. Jj resents funds advanced to Borrower on this day at Borrower's request and Borrower receipt of such funds. Borrower states that Borrower does not now and does not intend ever to muly--Fannie MadFmddle Mae UNIFORM INSTRUMENT Form 3044 10/17 (page 13 of15 pages) 0 2020 Cmdus SwAces, LLC 2020022301 Page 14 of 21 reside on, use in any manner, or claim the Property secured by this Security Instrument as a business or residential homestead. Borrower disclaims all homestead rights, interests and exemptions related to the P erty, 28. Loan Not a Home Equity Loan. The Loan evidenced by the Note is not an extension of pd as defined by Section 50(a)(6) or Section 50(a)(7), Article XVI, of the Texas Constitution. If the Pro used as Borrower's residence, then Borrower agrees that Borrower will receive no cash from h evidenced by the Note and that any advances not necessary to purchase the Property, extinguis �n�n ue lien, complete construction, or renew and extend a prior lien against the Property, will be u reduce the balance evidenced by the Note or such Loan will be modified to evidence the correct l uau b to e, at Lender's option. Borrower agrees to execute any documentation necessary to comply wl *?t,18. BY SIGNING BELOW, Borrower accepts and agrees to the terms and777 t Geed in this Security Instrument and in any Rider executed by Borrower and recorded with it. �. /M A Borrower - Borrower - MAURINE A A Wily—Frnnio Mae/Frv1die Mac UNIFORM INSTRUMENT Form3044 10117 (pagK )9of13pages) 0 2020 Covfus Services, LLC 2020022301 Page 15 of 21 Stale of TEXAS County of WILLIAMSON 71is instrument was acknowledged before me on kh- IWO ley WILLIAM J JANIT-- and MAURINE A JANKE, (Signature of officer) (Seal, if any) a Y." ;, PENNiE CHANDLER (Title of officer) +r Nowry public, stnt of Texas iic �• &pimq JUI,Y 1i, 2022 My Commission Expires: 1.0.0141208 Loan Originator Organization: CALIBER HOME LOANS, INC. NMLS ID: 15622 Loan Originator: NIA NMLS ID: NIA Loan Originator Organization: AUSTINIWILLIAMS MO AG RPORATION NMLS 1D: 312233 Loan Originator: LAURIE UHRIG NMLS ID: 347917 TEXAS -Single Family —Fannie ENT Form 3044 10117 (page 15 of 15 pages) ® 2020 CoAus Serlces, LLC 2020022301 Page 16 of 21 Loan Number 9722585347 VA Case Number44-49-G•14571,W V.A. ASSUMPTION POLICY RIDER NOTICE: THIS LOAN IS NOT ASSUMABLE WITH0 HW APPROVAL OF THE DEPARTMENT OF VETE AFFAIRS OR ITS AUTHORIZED AGEN THIS ASSUMPTION POLICY RIDER is made this 28TH day of FE , 0, and is incorporated into and shall be deemed to amend and supplement the Mortgage, D rust, eed to Secure Debt ("Instrument") of the same date herewith, given by the undersigned or") to secure the Mortgagor's Note ("Note") of the same date to CALMER HOME LOANS, its s ors and assigns ("Mortgagee") and covering the property described in the Instrument and loca at: 2520 COUNTY ROAD 152, GEORGETOWN, TEXAS 78626-1980 [Properly Address] Notwithstanding anything to the contrary set forth in the Ins ent, gagee and Mortgagor hereby acknowledge and agree to the following: ACCELERATION CLAUSE: This loan may be declared ' y due and payable upon transfer of the property securing such loan to any transferee, unless th ccepta i ity of the assumption of this loan is established pursuant to Section 3714 of Chapter 37 1 ' ed es Code. An authorized transfer ("assumption") of t roperty s a also be subject to additional covenants and agreements as set forth below: (a) ASSUMPTION EMFINGFEME A fee t one-half of 1 percent (.50%) of the balance of this loan as of the date of transfer of the p shall be p yable at the time of transfer to the loan holder or its authorized agent, as trustee for the Dep f Veterans Affairs. If the assumer fails to pay this fee at the time of transfer, the fee shall constitu d debt to that already secured by this instrument, shall bear interest at the rate herein provided, d on of the payee of the indebtedness hereby secured or any transferee thereof; shall be iedi y e ei payable. This fee is automatically waived if the assumer is exempt under the provisions o 3`NSC (b) ASSUMPTION P $S CHARGE: Upon application for approval to allow assumption of this loan, a processing ee m be �o_ �a ged by the foan holder or its authorized agent for determining the creditworthiness c e n ubsetluently revising the holder's ownership records when an approved transfer is compl d f this charge shall not exceed the maximum established by the Department of Veterans I which Section 3714 of Chapter 37, Title 38, United States Code applies. (c) IABILITY ASSUMPTION CLAUSE: If this obligation is assumed, then the assumer her ,b3 a o as me all of the obligations of the veteran under the terms of the instruments creating and secuV�playrn* he.fo n. assumer further agrees to indemnify the Department of Veterans Affairs to the extent of any clarising from the guaranty or insurance of the indebtedness created by this instrument. 373 - 34000008 Coi ius Services, LLC iIW�A.iMI (page 1 of 2 pages) I'�gqIRIUNIA�IIII.I,lulll 2020022301 Page 17 of 21 IN WITNESS WHEREOF, Mortgagax(s) has executed this Assumption Policy Rider. r Borrower- MLLIAMJ ANKI L .� a. Borrower- MAURINE A JANR 11335673-34000008 ® 2020 Covlus Services, LLC Q (Seal) (Seal) (page 2 of 2 pages) 202OD223DI Page 18 of 21 RENEWAL AND EXTENSION RIDER Loan No.-9722585347 DATED: FEBRUARY 28, 2020 FOR THE BENEFIT OF: CALIBER HOME LOANS, INC. This Renewal and Extension Rider is incorporated into and shall amend and supplement the Security Instrument of oven date herewith. The Note is in renewal and extension, but not in extinguishment, of the indebtedness, whether one or more, dew follows: Original Note to : INDEPENDENT BANK Amoo , $475 000.00 on October 31 2014 Recorded to 2014088686 in WILLIAMSON County, Texrs EXECUTED BY: WILLIAM JOSEPH JANKE AND MAURINE ANN JANKE, HUSBAND AND WIFE C�J Lender is expressly subrogated to all rights i�n3, qut �n¢d remedies seeming the original holder(s) of the above dtbt(s) and the original lien(s) securing the same are rene a de as the date ormatuihy of the Note stcurM by the Seeurily lustrumertt in renewal and extension of the indebted t } ac wiedges that the lico(s) securing the prior dabi(s) is valid, that the li*s) subsists against the Property, and*t by t i t me t t is renewed and extended In NLI force until tht Note is paid, even though the original lien(s) is released and not as to In addition to the refinance of t}cipsd a tense, if Lender is advancing all or a portion of the costs necessary to refinance debt on the Property, Borrower ac ("ledges a costs are reasonable and necessary costs to refinance such debt, 6,1 — ��V 1, 'Iff - 4,4A W1LIYAM A Date MAURNEA.JANKE Date Isle Date Renmol old ExJ"bn Mar (Tm ) RENEXT Paps I of 1 2020022301 Page 18 of 21 Legal Descriptibn for William Joseph Janke and Maurine Anon Janke BEING 14.215 acres of land, situated in the Marla Jesusa Garcia Survey, Abstract No. Zia Williamson County, Texas, said laud being that certain tract of land, called 14.16 as as conveyed to Norma L. Whitson, ThWee of the Whitson Family Trust by deed reco Document No. 2009012864 ofthe Official Public Records of Williamson Coum Surveyed on the ground in the month of Augas4 2012, under the supervision o Peterson, -Registered PWA:asiomal Land Surveyor, and being ounce paztiau�y� as follows; BEGlNNlNG at an iron pin found on the east Line of County Road 15 , ng the Northwest corner of the above -referenced 14.16 arse Norma L. rush e, tract, being the most westerly Southwest comer of tbat certain tract of land, call A ac I as conveyed to Jennifer E. Hamilton Tuhk and James B. Tulk, by deed as rec in M 2588, Page 818, of the Official Records of Williamson County, Texas, for tlth r�aer hereafi THENCE, along a northerly line of the said 14.16 acre 14q a L�tson, Trustee, tract, being a southerly line of the said 2.50 acre Tulk tract, N 6 $ 6.43 feet to an iron pin found and N 48°58'00" E, 402.99 feel to as iron pin fo the most northerly Northeast corner of the said 14.16 acre Norma L. being an interior corner of the said 2.50 acre Tuck tract, for the most y p the hereof; TI1ITCE, S I9°09130" L, at 20.01 feet, or ,pass the most easterly Southwest corner of the said 2.50 care Tulle txaof; the No ar of that certain 111V 9° 235.32 feet to an iron pin ford on the north line of that certain treat tract of land, called 18.46 acres, as conveyed to reruns B. d wife, Jennifer E. Hamilton, by deed as recorded in Volume 1823, Page 260, of the rds of Williamson County, Texas, for atotal distance of 599.56 feet, in all found marldng as interior comer of the said 14.16 ears Norma L. Wlutsa�s ing the most westerly Southwest corner of the said 1$.46 acre Tulk and an,tuterlor corner hereof; . THENCE, feet to as iron pin found marking the most easterly Npzrhaasi corner of 4. orct�a L. Whitson, Trustee, tract, being and znteriar comer of the said 18. n tract; for the most easterly North east coiner hereof; Of hsnd, oedle� 0�'aeres, as eanveyed to JL Enterprises, LIT, by deed recorded as De .980&94 of the Official Records of Williamson County, Texas, marking the Sou eo of fihe said 14.16 acre Norma L. Whitman, Trustee, tract, being the most west corner of tho said 18.46 acre Tulk and Hamilton tract, for the Southeast SCE, along the south line of the said 14.16 acre Norma L. Whitson, Trustee, tract, being the Una of the said 300.00 acre JL Enterprises, L.L.P., tract, S 68006'45" W,120.01 feet to an 2020022301 Page 20 of 21 iron pin found; S 69059,30" V, 46.02 feet to an iron pin found, and S 68002,00" W, to an iron pin found maaldug the most.soutlurlp Southwest coma of the said 14.16 L. Whitson, Trushv, tunot, being t11a Southeast comer of tbat certain tract of acres, as conveyed to Chester Arnold and vv fe, Kamm B. Arnold, by dead record No. 2001064654 of the Official Public R=ords ofWMkmson County, T� soufherly Southwest comm'hemot feet T1MM N 21°28100" W, 343,48 feet to an iron pin found naarEng near of the said 14.16 am Norma L. Whitmn, Truss*, tract, Ding the N said 4,0Q acre Arnold tract, fot an interior comer hemog TFIBNCE, S 69009115" W, 497.00 fret to an iron pin tiund, c � � line of County Road No.152, marking the atmst westcxly 9nuthwwt comet said acre Norma L. Whit:+an, Tsetse, tract, bed the Norttrwest comer ofthe said !d tract, for the most westerly Southwest comffi hereg TMNCB, along the said east line of County a tc we ly line of tune said 14.16 acre Norm L. 'Whitson, Trustm, trac4 5°5 " W, 20.20 feet to an iron pint found and N 22006'00" W, 489.50 feet to the and comtai sing 14.215 acres of tend. Note: Basis ofBmIhg GPS Stxio place RETURN T4 ,ion,9hom qi a CO., iftc. 2020022301 Page 21 of 21 ELECTRONICALLY RECORDED OFFICIAL PUBLIC RECORDS 2020022301 Pages: 21 Fee: $97.00 03/04/2020 09:29 AM AM- U'f Nancy E. Rister,County Clerk Williamson County,Texas O 0 Petitioned for ETJ Removal CikRRG£7DWfq JANKE, WILLIAM JOSEPH & MAURINE ANN City limits 0 150 300 E� US Feet