2026-000197

Klamath County, Oregon

01/08/2026 10:18:01 AM
Investor Loan # 236739326 Fee: $142.00

Recording Requested By:
Freedom Mortgage Corporation
951 Yamato Road

Boca Raton, FL 33431

After Recording Return To:
Freedom Mortgage Corporation C/O:
Mortgage Connect, LP

Attn: Loan Mod Processing Team
600 Clubhouse Drive

Moon Township, PA 15108
APN/Tax ID: 2409-019DD-04100
Recording Number: 3808267

This document was prepared by Freedom Mortgage Corporation, 11988 Exit 5 Pkwy Bldg 4,
Fishers, IN 46037-7939, 855-690-5500.

Space Above This Line For Recording Data

Original Principal Amount: $337,095.00 Loan No.: 0154815732
Unpaid Principal Amount: $351,050.28 VA Case No.; 048-4860568-332
New Principal Amount: $363,458.76 MERS No.: 1007212-1200403636-1

Original Security Instrument recorded on Date 03/15/2024 in Book or Liber , at
page(s) , and/or as Document/Instrument Number 2024-001983, in the Records of
Klamath County, Oregon.

LOAN MODIFICATION AGREEMENT

This Loan Modification Agreement (“Agreement”) between OWEN JAMES EVENS,
MARRIED MAN whose address is 138044 MANZANITA ST, GILCHRIST, OR 97737
(“Borrower” or “I”!) and FREEDOM MORTGAGE CORPORATION whose address is 951
Yamato Road, Boca Raton, FL 33431 (“Lender”), and MORTGAGE ELECTRONIC
REGISTRATION SYSTEMS, INC. (“MERS”) as Designated Nominee for Lender, Beneficiary
of the Security Instrument, its Successors and Assigns, whose address is P.O. Box 2026, Flint, M1
48501-2026, is given on 12/18/2025, and amends and supplements (1) the Mortgage, Deed of
Trust or Security Deed (the “Security Instrument”), made by OWEN JAMES EVENS,
MARRIED MAN to MERS AS DESIGNATED NOMINEE FOR LEADERONE
FINANCIAL CORPORATION, BENEFICIARY OF THE SECURITY INSTRUMENT, ITS
SUCCESSORS AND ASSIGNS for $337,095.00 and interest, dated 03/11/2024 and recorded on

IIf more than one Borrower or Mortgagor is executing this document, each is referred to as “Borrower” or “L” For
purposes of this document, words signifying the singular (such as “Borrower” or “T”) shall include the plural (such as
“Borrowers” or“we”) and vice versa where appropriate.

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[Trackingld: 9470150105799000181300] 067070-00043570-0-USPS [PAG.665] (DOC 7 17/104 1d.5224857]

Date 03/15/2024 in Book or Liber , at page(s) , and/or as
Document/Instrument Number 2024-001983, in the Records of Klamath County, OREGON, and
(2) the Note bearing the same date as and secured by the Security Instrument, which was entered
into as security for the performance of the Note and encumbers the real and personal property
described and defined in the Security Instrument as the “Property,” located at 138044
MANZANITA ST GILCHRIST, OR 97737. See Exhibit A for Legal Description.

Morttgage Electronic Registration Systems, Inc. (“MERS”) is a separate corporation that is acting
solely as designated nominee for the beneficiary of the security instrument, its successors and
assigns. The MERS address is P.O. Box 2026, Flint, MI 48501-2026. The MERS telephone
number is (888) 679-MERS (6377).

Important Disclosures: The U.S. Department of Veterans Affairs (“VA”) requires that Lender
provide you with information designed to help you understand the modified mortgage terms that
are being offered to you. Lender is required to provide you with clear and understandable written
information about the terms, costs, and risks of the modified morigage in a timely manner to
enable Borrower to make informed decisions. This information is included below. Please read it
carefully. : '

If my representations in Section 1 below continue to be true in all material respects, then this Loan
Modification Agreement (“Agreement”) will, as set forth in Section 3 below, amend and
supplement (1) the Mortgage, Deed of Trust, or Security Deed (“Security Instrument™) on the

Property and (2) the Original Note secured by the Security Instrument. The Security Instrument .

and Original Note together, as they may previously have been amended, are referred to as the
“Loan Documents.” Capitalized terms used in this Agreement and not defined here have the
meaning given to them in the Loan Documents.

1. My Representations. I certify, represent to Lender, and agree as follows:

A. The Property has no more than four units, it has not been condemned, and it has no
material adverse physical condition(s).

B. I currently have sufficient income to support the financial obligations under the Loan
Documents, as modified by this Agreement.

C. Under penalty of perjury, any documents or information I may have provided to Lender
in connection with qualifying for this particular VA loan modification program
(“Program™) and this Agreement are to the best of my knowledge accurate and
complete.

D. Except as approved in writing by the VA or Lender, there has been no change in the
ownership of the Property after I signed the Loan Documents.

E. If I received a discharge in a Chapter 7 Bankruptcy proceeding subsequent to the
execution of the Loan Documents, Lender agrees that I will not have personal liability
on the debt pursuant to this Agreement.

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it

2.  Acknowledgements and Preconditions to Modification. I understand and acknowledge that:

A. Lender has no obligation to make any modification of the Loan Documents if any of the
requirements under this Agreement have not been met.

B. Prior to the Modification Effective Date (as defined in Section 3), if Lender determines
that any of my representations in Section 1 are no longer true and correct, (1) the Loan
Documents will not be modified, (2) this Agreement will not be valid, and (3) Lender
will have all of the rights and remedies provided by the Loan Documents.

C. The Loan Documents will not be modified unless and until (1) Lender approves this
Agreement and (2) the Modification Effective Date (as defined in Section 3 below) has
occurred.

3. The Modification. If all of my representations in Section 1 above continue to be true in all

material respects and all preconditions to the modification set forth in Section 2 above have
been met, the Loan Documents will automatically become modified on 02/01/2026 (the
“Modification Effective Date™) and all unpaid late charges, penalties, and fees that remain
unpaid will be waived. If I 'have failed to make any payments that are a precondition to this
modification, this modification will not take effect.

A. The new Maturity Date will be: 02/01/2066

B. As of the Modification Effective Date, the new principal balance of my Original Note
will be $363,458.76 (the “New Principal Balance™). In servicing your loan, the Lender
may have incurred third-party fees or charges that were not included in the terms of this
Agreement. If so, these fees and charges will appear on your monthly statement under
“Fees and Charges.” These fees and charges will not accrue interest or late fees. You
may pay these fees and charges at any time. If not previously paid, you must pay these
fees and charges at the earliest of (1) the date you sell or transfer an interest in the
Property, (2) the date you pay the entire New Principal Balance, or (3) the Maturity
Date.

C. Ipromise to pay the New Principal Balance, plus interest, to the order of Lender.

D. Interest at the fixed rate of 6.750% will begin to accrue on the New Principal Balance as
0f 02/01/2026 and my first new monthly payment on the New Principal Balance will be
due on 03/01/2026. My fully amortizing payment schedule for the modified Loan is as
follows:

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%

Years | Interest Monthly Estimated Total Payment Number of
Rate Principal Monthly Monthly Begins On Moenthly
and Interest Escrow Payment* Payments
Payment Payment
Amount Amount*
40 6.750% $2,192.95 $379.32, $2,572.27, 03/01/2026 480
years may adjust may adjust
periodically | periodically

F.

* The escrow payments may be adjusted periodically in accordance with applicable law.
Therefore, my total monthly payment may change accordingly.

The total monthly payment amount shown does not include the cost for any optional
products that may be on the mortgage loan. '

The terms in this Section 3.D. supersede any provisions to the contrary in the Loan
Documents, including (but not limited to) provisions for an adjustable- or step-interest
rate.

I will be in default if I do not comply with the terms of the Loan Documents, as
modified by this Agreement.

The interest rate set forth in Section 3.D. above shall apply even in the event of default
and if the Loan Documents permitted a default rate of interest.

Additional Agreements. Lender and I agree to the following:

A.

I accept the risks of entering into this Agreement. These risks inclhude (but are not
limited to):

(1) My modified loan will have a fixed interest rate that will not change. As a result, if
the interest rate in my Loan Documents could go up and down based on changes in
an index, my new fixed interest rate might sometimes be higher than I would have
had before this modification.,

T authorize Lender to attach an Exhibit A to this Agreement, which will include a Legal
Description, recording information of the original security instrument, and any other
relevant information required by a County Clerk’s Office (or other recordation office) to
allow for recording if and when Lender seeks recordation.

All persons who signed the Loan Documents or their authorized representative(s) have
signed this Agreement, unless (1) a borrower or co-borrower is deceased; (2) the
borrower and co-borrower are divorced and the Property has been transferred to one
spouse in the divorce decree, in which event the spouse who no longer has an interest in
the Property need not sign this Agreement (although the non-signing spouse may
continue to be held liable for the obligation under the Loan Documents); or (3) Lender
has waived this requirement in writing. This Agreement may be executed in separate
counterparts, each of which shall be deemed an original. ’

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D. This Agreer?ent supersedes the terms of any modification, forbearance, trial period plan,-
or loan workout plan that I entered into with Lender before the Modification Effective
Date of this Agreement.

E. All termos and provisions of the Loan Documents, except as expressly modified by this
Agreement, remaijn in full force and effect and I will comply, with all covenants,
agreements, and requirements of the Loan Documents, including (but not limited to) my
agreement to pay all taxes, insurance premiums, assessments, Escrow Items, impounds,
and all other similar obligations, the amounts of which may periodically change in
accordance with the terms of my Loan Documents. Except as otherwise specifically
provided in, and as expressly modified by, this Agreement, Lender and I will be bound
by, and will comply with, all of the terms and conditions of the Loan Documents.

F. The Loan Documents are duly valid, binding agreements, enforceable in accordance
with their terms and are hereby reaffirmed.

G. On and after the Modification Effective Date, Lender will allow the transfer and
assumption of the Loan, including this Agreement, only as permitted under VA
guidelines. Except as noted herein, this Agreement may not be assigned to, or assumed
by, a buyer or transferee of the Property.

H. On and after the Modification Effective Date, and notwithstanding any other provision
of the Loan Documents, if all or any part of the Property or any interest in it is sold or
transferred without Lender’s prior written consent, Lender may, at its option, require
immedijate payment in full of all sums secured by the Security Instrument. However,
Lender shall not exercise this option if state or federal law, rules, or regulations prohibit
the exercise of such option as of the date of such sale or transfer. If Lender exercises this
option, Lender shall give me notice of acceleration. The notice shall provide a period of
not less than 30 days from the date the notice is delivered or mailed within which I must
pay all sums secured by the Security Instrument. If T fail to pay these sums prior to the
expiration of this period, Lender may invoke any remedies permitted by the Security
Instrument without further notice to, or demand on, me.

1. If any pending foreclosure action is dismissed or withdrawn as a result of entering into
this Agreement, Borrower will remain liable for and bear his/her/their own fees and
costs incurred in comnection with such foreclosure proceedings, if permitted by
applicable law.

J. The mortgage insurance premiums on the loan, if applicable, may increase and the date
on which Borrower may request cancellation of mortgage insurance may change as a
result of modifying the loan.

K. Any Bomrower who co-signed the Security Instrument but did not execute the Original
Note (a “Co-signer”) and has not assumed the debt: (a) is co-signing this Agreement
only to acknowledge the Agreement; (b) is not personally obligated to pay the sums
secured by the Security Instrument; and (c) agrees that Lender and any other Borrower
can agree to extend, modify, forbear or make any accommodations with regard to the
terms of the Original Note or the Security Instrument without the Co-signer’s consent.

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?wé

On and after the Modification Effective Date, any provision in the Original Note (or in
any addendum or amendment to the Original Note) that allowed for the assessment of a
penalty for full or partial prepayment of the Original Note, is null and void.

I will cooperate fully with Lender in obtaining any title endorsement(s) or similar title
insurance product(s) and/or any subordination agreement(s) that are necessary or
required by Lender’s procedures and/or the Program to ensure that the Security
Instrument, as modified by this Agreement, is in first lien priority position and is fully
enforceable. The terms of this Agreement will not become effective, and this Agreement
will be null and void, if Lender does not receive such title endorsement(s), title
insurance product(s), and/or subordination agreement(s) on or before the Modification
Effective Date. '

I know that I am only entitled to loss mitigation terms that comply with the Program.
Therefore, if Lender discovers any error in the terms of this Agreement, I authorize the
Lender to advise me of the error. If T do not accept the corrected terms, at Lender’s
option, this Agreement becomes void and of no legal effect. If I accept the corrected
terms, I will execute and prompily return to Lender the revised and additional
documents that will (1) consummate the intended terms and conditions of this
Agreement and/or (2) correct the terms and conditions of this Agreement (a “Corrected
Agreeme?t”). If I do not sign and deliver a Corrected Agreement or any additional
document required by Lender to comply with the Program, the terms of the original
Loan Documents shall continue in full force and effect, such terms will not be modified
by this Agreement, and I may not be eligible for the Modification.

Lender may collect and record, as applicable, personal information about me, including,
but not limited to, my name, address, telephone number, social security number, credit
score, income, payment history, government monitoring information, and information
about account balances and activity (“Personal Information™). In addition, I consent to
the disclosure of my Personal Information and the terms of this Agreement by Lender to
(1) any government entity that regulates Lender; (2) any investor, insurer, guarantor, or
servicer that owns, insures, guarantees, or services my first lien or subordinate lien (if
applicable) mortgage loan(s); (3) companies that perform support services for VA or
Lender; and, (4) any HUD-certified housing counseling agency.

If any document related to the Loan Documents and/or this Agreement is lost,
misplaced, misstated, inaccurately reflects the true and correct terms and conditions of
the loan as modified, or is otherwise missing, I will comply with Lender’s request to
execute, acknowledge, initial, and deliver to Lender any documentation Lender deems
necessary (“Replacement Documents™). If the original promissory note is replaced,
Lender hereby indemnifies me against any loss associated with a demand on the original
note. I will deliver the Replacement Documents within ten days after I receive Lender’s
writtén request for such replacement.

Mortgage Electronic Registration Systems, Inc. (“MERS™) is a separate corporation
organized and existing under the laws of Delaware, and has an address and telephone
pumber of P.O. Box 2026, Flint, MI 48501-2026, (888) 679-MERS (6377). If the loan
has been registered with MERS, MERS (i) has only legal title to the interests granted by

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30890857_1_0902170231

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the borrower in the mortgage and acts solely as a designated nominee for the beneficiary
of the security instrument, its successors and assigns, (ii) has the right: to exercise any or
all of those interests, including, but not limited to, the right to foreclose and sell the
Property; and (iii) has the right to take any action required of Lender, including, but not
limited to, releasing and canceling the mortgage loan.

CORRECTION AGREEMENT. The undersigned Borrower(s), for and in consideration
of the approval, closing and funding of this agreement, hereby grants Freedom Mortgage
Corporation, as lender, limited power of attorney to correct and/or initial all
typographical or clerical errors discovered in the Agreement required to be signed. In
the event this limited power of attorney is exercised, the undersigned will be notified
and receive a copy of the document executed or initialed on their behalf. This provision
may not be used to modify the interest rate, modify the term, modify the outstanding

principal balance or modify the undersigned’s monthly principal and interest payments .

as modified by this Agreement. Any of these specified changes must be executed
directly by the undersigned. This limited power of attorney shall remain in effect for the
life of the loan beginning with the effective date of the undersigned borrower’s
agreement, or the date any and all documents that the lender requires to be recorded
have been successfully recorded at the appropriate office, whichever is later. Borrower
agrees to make and execute such other documents or papers as necessary or required to
effectuate the terms and conditions of this Agreement which, if approved and accepted
by Lender, shall bind and inure to their heirs, executors, administrators, and assigns of
the Borrower. Borrower(s) agree(s) to assume all costs including, by way of illustration
and pot limitation, actual expenses, legal fees and marketing losses for failing to comply
with correction requests in the above noted time period, unless prohibited by applicable
law.

RETURN EXECUTED AGREEMENT. Borrower must deliver to Freedom Mortgage
Corporation a properly signed agreement and all enclosed documents without alteration
by 01/08/2026. If Borrower does not return a properly signed agreement and all
enclosed documents by this date and make the first monthly payment pursuant to the
terms of this agreement, Freedom Mortgage Corporation may deny or cancel this
agreement. If the Borrower returns a properly signed agreement by said date, payments
pursuant to the agreement are due as outlined in this agreement. Freedom Mortgage
Corporation. may deny or cancel this agreement if Borrower fails to make the first
payment due pursuant to this agreement.

All Borrowers are required to sign and date this Agreement in blue or black ink
only as the Borrowers’ name appears below. If signed using any other color or
method, the document may not be accepted and another copy of the Agreement
may be sent to the Borrower to be signed.

By signing below, all Borrowers certify they have read this Agreement in its
entirety, that all Borrowers know and understand the meaning and intent of this
Agreement and that all Borrowers enter into this Agreement knowingly and
voluntarily. By signing below, all Borrowers agree to all terms and conditions
described on every page of this Agreement.

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ontained in this Security
it,

By SIGNING BELOW, Borrower accepts and agrees to the te:
Instrument and in any rider(s) executed by Borrower and recorde

Sign here to execate
Maodification Agrecment]”

Owen James Evens
(Must be signed exactly as printed)

o/ 102 12026
Signature Date (MM/DD/YYYY)

[Space below this line for Acknowledgement]
STATE OF OREGC) COUNTY OF XA BOYVWATY

On the 2w A day of - in the year QOP/, before me, the
undersigned, Notary Public, in and for said s-personally appeared by physical presence Owen

James Evens, Hersonally knows Agse-o1 proy to on the basis of satisfactory evidence of
identification to be the persongs) whose namels) is/g¢e subscribed to the within instrument and
being informed of the contents of the Jigstrument owledged before me that he/she/they
voluntarily-executed the same as its maker(#) in his?;@eir authorized capacity(ies), and that by
his/hesA s1gnature§s§%5u:he instrument, the person or entity upon behalf of which the person or

entity acted, executed the instrument for its stated purpose as his/heT/théIr free act and deed. /

Type of Identification Produced W&L\ cEnoSE

WITNESS my han /\??d official seal

/?L — -

ture of notary pubhc)

SA.W\% R\)MJ @SDFLI_

OFFICIAL STAMP
) JAMES ROBERT YAN OSDELL, it |,

NOTARY PUBLIC-OREGON "

COMMISSION NO.1047836
MY COMMISSION EXP'RES MAY 1, 2028

’

(Prmted Name of notary pubhc)
My comm1ss1on expires: S o\ / 2.628 (Notary Public Seal)

(Please ensure sezl does not overlap any language or print)

-

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By SIGNING BELOW, Borrower accepts and agrees to the terms contained in this Security
Instrument and in any rider(s) executed by Borrower and recorded w'

N— %f/zz? Frs

I'Sign here to execate P, Sarah Evens

| Modification Agreemeh?l.’4 (Must be signed exactly as printed)
o | 02 2062

Signature Date (MM/DD/YYYY)

[Space below this line for Acknowledgement]_

STATE OF _OREGOLW) COUNTY OF ML AMATW
On the _ 2w A day of - )gn!gc?: in the year 202 ¢, before me, the
undersid Notary Public, in and for said Sta¥-personally appeared by physical presence Sarah

ally HE—OL- Prove me the basis of satisfactory evidence of

identification to be the pers whose n is/a#€ subscribed to the within instrument and
being informed of the contents of the instrument acknowledged before me that }@S’
voluntarily executed the same as its maker(s) in ba€/her/t thorized capacity(ies), and that by

@p‘i?her/?;cif signature(s) on the instrument, the person or entity upon behalf of which the person or
entity acted, executed the instrument for its stated purpose as hi?/her/?}%ee act and deed.

Type of Identification Produced: Q_QEQQM)RQJ_EK,S LS E

NITNESS my hand and official seal. - OFFICIAL STANP
5, @ Vi /\5&” I e 3 -,:i“%? 3 JAMES ROBERT VAN OSDELL, 1l
¢ of notary public) ’ : NOTARY PUBLIC-OREGON
COMMISSION NO.1047336
= \Lx&(kct\ yIYC MY COMMISSION EXPRES MAY 1, 2008

?’rmted Name of notary public) )
My commission expires: S‘/ cn// 2028 (Notary Public Seal)

(Please ensure seal does not overlap any language or print)

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THIS SECTION IS FOR INTERNAL USE ONLY

Freedom Mortgage Corporation

By: Mortgage\Connect, L.P., its attorney in fact
@lp&w PULA 01/07/2026

Name: Laura Harris Date
Title: Assistant Vice President

[Space below this line for Acknowledgement]

STATE OF Pennsylvania

COUNTY OF Allegheny

On 7 day of January in the year __ 2026 before me, Diane McAdoo

Notary Public, personally appeared, Laura Harris, Assistant Vice President of Mortgage
Connect, L.P., Attorney in Fact for Freedom Mortgage Corporation, personally known to
me (or proved to me on the basis of satisfactory evidence) to be the person(s) whose
name(s) is/are subscribed to the within instrument and acknowledged to me that
he/she/they executed the same in his/her/their authorized capacity(ies), and that by
his/her/their signature(s) on the instrument the person(s), or entity upon behalf of
which the person(s) acted, executed the instrument.

WITNESS my hand and official seal.

M V)/] W Notary Signature

Diane McAdoo Notary Public Printed Name
(exactly as printed on seal)

Notary Public Commission
08/19/2028 Expiration Date

(Please ensure seal does not overlap any language or print)

Commonweatth of Pennsylvania - Notary Seal
Diane McAdoo, Notary Public
Washington County
My Commission Expires August 19, 2028
Commission Number 1377099

DO NOT WRITE BELOW THIS LINE.

THIS SECTION IS FOR INTERNAL USE ONLY

Fhkkdkdkkhkfkrkkkhkkkkdiis dededede *kdkk

Mortgage Electronic Registration Systems, Inc.,
as nominee for Lender, its successors and assigns

- 01/07/2026
Date

Laura Harris Assistant Vice-President

[Space below this line for Acknowledgement]

STATE OF Pennsylvania

COUNTY OF Allegheny

On 7 day of January in the year _ 2026 before me, Diane McAdoo

Notary Public, personally appeared Laura Harris, Assistant Vice-President of Mortgage
Electronic Registration Systems Inc., as nominee for Lender, its successors and assigns
personally known to me (or proved to me on the basis of satisfactory evidence) to be the
person(s) whose name(s) is/are subscribed to the within instrument and acknowledged
to me that he/she/they executed the same in his/herftheir authorized capacity/(ies), and
that by his/her/their signature(s) on the instrument the person(s), or entity upon behalf of
which the person(s) acted, executed the instrument.

WITNESS my hand and official seal.
QAJW MM[(? Notary Signature

Diane McAdoo Notary Public Printed Name
(exactly as printed on seal)

Notary Public Commission
08/19/2028 Expiration Date

(Please ensure seal does not overlap any language or print)

Commonwealth of Pennsylvania - Notary Seal
Diane McAdoo, Notary Public
Washington County
My Commission Explres August 19, 2028
Commission Number 1377099

EXHIBIT A
All that certain lot or piece of ground situated in KLAMATH COUNTY, OREGON.

Lot 14 of TRACT 1318-GILCHRIST TOWNSITE, according to the official plat thereof on file in
the office of the County Clerk, Klamath County, Oregon.

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