2026-002020

Klamath County, Oregon
03/06/2026 08:38:01 AM
Fee: $267.00

After Recording Return To:
Rocket Mortgage, LLC
1050 Woodward Ave
Detroit, MT 48226-1906
(313) 373-0000

Until a change is requested all tax
statements shall be sent to the
following address:

Rocket Mortgage, LLC
1050 Woodward Ave
Detroit, MI 48226-1906

Consideration: $428, 632,00

Grantor(s):
Charisse C. Lawson and Virgil Lawson Jr., with right of survivorship
5152 Aster Ln

Klamath Fallg, OR 97601

Grantee:

Rocket Mortgage, LLC
1050 Woodward Ave
Detroit, MI 48226-1906

[Space Above:'i‘his,bjné For Recording Data]
DEED OF TRUST

Mortgage Electronic Registration Systems, Inc. Lawson

is the Nominee of Lender Loan #: 3581381297

PO Box 2026 MIN: 100035035813812970
Flint, MI 48501-2026 MERS Phone: 1-888-675-6377

PIN: 894996
Casc #: 48-48-6-0587256

NOTICE: THIS LOAN IS NOT ASSUMABLE
WITHOUT THE APPROVAL OF THE
DEPARTMENT OF VETERANS AFFAIRS OR
ITS AUTHORIZED AGENT.

Rocket Mortgage, LLC(NMLS #: 3030)}|Sher The Wealth Inc DBA Easy-Mortgage (NMLS #: 2443884) |
Michael Urnecli (NMLS #:11754280)

OREGON--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3038 07/2021

Modified for VA
E¥ 25316.9 Page 1 of 22

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DEFINITIONS

Words used in multiple sections of this document are defined below and other words are defined under the
caption TRANSFER -OF RIGHTS IN THE PROPERTY and in Sections 3, 4, 10, 11, 12, 16, 19, 24, and 25.
Certain rules regarding the usage of words used in this document are also provided in Section 17.

Parties

(A) "Borrower" is Charisse €. Lawson and Virgil Lawson YJr., with right of
survivorship, currently residing at 5152 Aster Ln, Klamath Falls, OR 97601 USA.
Borrower is the grantor under this Security Instrument.

(B} "Lender" is Rocket Mortgage, LLC. LenderisaLimited Liability Company organized
and existing under the laws of the State of Michigan. Lender's address is 1050 Woodward
Ave, Detroit, MI 48226-1906. Lender is the beneficiary under this Securlty Instrument. The term
"Lender" includes any successors and assigns of Lender.

(C) "Trustee” is First American Title Insurance Company. Trustee's addressis 1 First
American Way, Santa Ana, CA 92707. The term "Trustee" inciudes any substitute/successor Trustee.
(D) "MERS" is the Mortgage Electronic Registration Systems, Inc. Lender has appointed MERS as the
nominee for Lender for this Loan, and attached a MERS Rider to this Security Instrument, to be executed by
Borrower, which further describes the relationship between Lender and MERS, and which is inc¢orporated
into and amends and supplements this Security Instrumnent.

Documents

(E) "Note™ means the promissory note dated February 27, 2026, and signed by each Borrower who is
legally obligated for the debt under that promissory note, that is in either (i) paper form, using Borrower's
written pen and ink signature, or (ii) electronic form, using Borrower's adopted Electronic Signature in
accordance with the UETA or E-SIGN, as applicable. The Note evidences the legal obligation of each
Borrower who signed the Note to pay Lender Four Hundred Twenty-Eight Thousand Six
Hundred Thirty-Two And 00/100 Doliats'(J.S. $428,'632.00) plus interest. Each Borrower who
signed the Note has promlsed to pay this debt in rugular monthly payments and to pay the debt in full not
later than April 1, 2056.

(F) "Riders" means all Riders to this Security Instrument that are signed by Borrower. All such Riders are
incorporated into and deemed to be a part of thlb Security Instrument. The following Riders are to be signed
by Borrower [check box as apphcable]

X Adjustable Rate Rider [ Condominium Rider KIMERS Rider
0 1-4 Family Rider O Planned Unit Development Rider O Other(s) [specify]
OSecond Home Rider X VA Rider

(G) "Security Instrument” means this document, which is dated February 27, 2026, together with all
Riders to this document.

Rocket Mortgage, LLC(NMLS#:3030)|Sher The Wealth'Inc DBX Easy Mortgage (NMLS #; 2443884) |
Michael Urnecli (NMLS #:1279480)

OREGON-Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3038 07/2021

Modified for VA
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Additional Definitions

(H) "Applicable Law" means all controlling applicable federal, state, and local statutes, regulations,
ordinances, and administrative rules and orders (that have the effect of law) as well as all applicable final,
non-appealable judicial opinions.

(I) "Community Association Dues, Fees, and Assessments™ means all dues, fees, assessments, and other
charges that are imposed on Borrower or the Property by a condominium association, homeowners
association, or similar organization. .

(J) "Default" means: (i) the failure to pay any Periodic Payment or any other amount secured by this
Security Instrument on the date it is due; (ii) a breach of any representation, warranty, covenant, obligation,
or agreement in this Security Instrument; (iii) any materially false, misleading, or inaccurate information or
statement to Lender provided by Borrower or any persons or entities acting at Borrower's direction or with
Borrower's knowledge or.consent; or failure to provide Lender with material information in connection with
the Loan, as described in Section 8; or (iv) any action or proceeding described in Section 12(g).

(K) "Electronic Fund Transfer” means any transfer of funds, other than a "transaction originated by check,
draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument,
computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an
account. Such térm includes, but is not limited- to, point-of-sale transfers, automated teller machine
transactions, transfers initiated by telephone or other electronic device capable of communicating with such
financial institution, wire transfers, and automated clearinghouse transfers.

{L) "Electronic Signature™ means an "Electronic Signature" as defined in the UETA or E-SIGN, as
applicable.

(M) "E-SIGN" means the Electronic Signatures in Global and National Commerce Act (15 U.S.C. § 7001 er
seq.), as it may bé amended from time to time, or any applicable additional or successor legislation that
governs the same subject matter.

(N) "Escrow Items" means: (i) taxes and assessments and other items that can attain priority over this
Security Instrument as a lien or encimbrance on the Property, (ii) leasehold payments or ground rents on the
Property, if any; (iii) premiums for any and all insusaneé required by Lender under Section 5; (iv) Mortgage
Insurance prem:ums if any, or any sums payab]c by Borrower to Lerider in lieu of the payment of Mortgage
Insurance premiums in accordance with the provisions of Section 11; and (v) Community Association Dues,
Fees, and Assessments if Lender requires that they be escrowed begmnmg at Loan closing or at any time
during the Loan term.

(O) "Loan" means the debt obllgauon evidenced by the Note, plus mterest any prepayment charges, costs,
expenses, and late charges due under the Note, and all.sums due under this Security Instrument, plus interest,
(P) "Loan Servicer" means the entity that has the contractual right to réceive Borrower's Periodic Payments
and any other payments made by Botrower, and administers the Loain on behalf of Lender. Loan Servicer
does not include a sub-servicer, which is an entity that may. service the Loan on behalf of the Loan Servicer.
(Q) "Miscellaneous Proceeds” means any compensation, settlement, award of damages or proceeds paid
by any third party (other than insurance 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;

(iii) conveyance in lieu of condemnation; or (iv) mxsrepresentanons of or omissions as to, the value and/or
condition of the Property. S T :

Rocket Mortgage, LLC(NMLS#: 3030)|Sher The w<alth Inc DBA Easy-Mortgage (NMLS # 2443884)|
Michael Urnecli (NMLS # 1179480}

OREGON--Single Famlly--Fannle Mae/Freddie Mac UNIFORM INSTRUMENT Form 3038 07/2021

3 : Modified for VA
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3581381297

{R) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or Default on,
the Loan. .

(S) "Partial Payment" means: any paymcnt by Borrower other than a voluntary prepayment permitted
under the Note, which is less than a full outstaudlng Periodic Payment.

(T) "Periodic Payment" means the regularly scheduled amount due for (i) pr1nc1pa1 and interest under the
Note, plus (ii) any amounts under Section 3.

(U) "Property" means the property described below under the heading "TRANSFER OF RIGHTS IN THE
PROPERTY."

(V) "Rents" means all amounts received by or due Borrower in connection with the lease, use, and/or
occupancy of the Property by a party other than Borrower.

(W) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. § 2601 ef seq.) and its
implementing regulation, Regulation X (12.C.F.R. Part 1024), as they may be amended from time to time, or
any additional or successor federal legislation or regulanon that governs the same subject matter. When used
in this Security Instrument, "RESPA" refers to all requirements and restrictions that would apply to a
"federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan"
under RESPA.

(X) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or
not that party has assumed Borrower's obligations under the Note and/or this Security Instrument.

(Y) "UETA" means the Uniform Electronic Transactions Act, as enacted by the jurisdiction in which the
Property is located, as it may be amended from time to time, or any applicable additional or successor
legislation that governs the samé subject matter.

TRANSFER OF RIGHTS IN THE PROPERTY

This Security Instrument secures to Lender (i) the repayment,of the Loan, and all renewals, extensions, and
modifications of the Note, and (ii) the performdnce of Borrower's covenants and agreements under this
Security Instrument and the Note. For this purpose, Borrower irrevocably grants and conveys to Trustee, in
trust, with power of sale, the followmg descnbed property located in the COUNTY of Klamath:

See Exhibit "a"- Legal Descr:.pt:.on Hereto and Made a Part Hereof. Subject

- to Covenants of Record.

which currently has the address of 5152 Aster Ln, Klama.th Falls, Oregon 97601 ("Property
Address"); . -

TOGETHER WITH all-the improvements now or subsequently erected on the property, including
replacements and additions to the improvements on such property, all property rights, including, without
limitation, all easements, appurtenances, royalties, niineral rights, oil or gas rights or profits, water rights, and

fixtures now or subsequently a part of the property. All of the foregoing is referred to in this Security
Instrument as the "Property."

BORROWER REPRESENTS, WARRANTS, COVENANTS, AND AGREES that: (i) Borrower
lawfully owns and possesses the Property convc_yed in this Security Instrument in fee simple or lawfully has

Rocket Mortgage, LLC (NMLS#: 3030){Sher The Wealth Inc DBA Easy-Mortgage (NMLS #: 2443884) |
Michael Urnecli (NMLS #:1179480)

OREGON--Smgle Famnly--Fann!e Mae/F reddle Mac UNIFORM INSTRUMENT Form 3038 07/2021

Modified for VA
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the right to use and occupy the Property under a ieaschold estate; (ii) Borrower has the right to grant and
convey the Property or Borrower's leasehold inferest in the Property; and (iii) the Property i{s unencumbered,
and not subject to any other ownership interest in the Property, except for encumbrances and ownership
interests of record. Borrower warrants generally the title to the Property and covenants and agrees to defend
the title to the Property against all claims and demands, subject to any encumnbrances and ownership interests
of record as of Loan closing, '

THIS SECURITY INSTRUMENT combines uniform covenants for national use with limited
variations and non-uniform covenants that reflect specific Oregon state requirements to constitute a uniform
security instrument covering real property. '

UNIFORM COVENANTS, Borrower and Lender covenant and agree as follows:

1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges.
Borrower will pay each Periodic Payment when due. Borrower will also pay any prepayment charges and late
charges due under the Note, and any other amounts due under this Security Instrument. Payments due under
the Note and this Security Instrument must be made in U.S. currency. If any check or other instrument
received by Lender as payment under the Note or this Security Instrument is returned to Lender unpaid,
Lender may require that any or all subsequent payments due under the Note and this Security Instrument be
made in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (¢) certified
check, bank check, treasurer's check, or cashier’s check, provided any such check is drawn upon an institution
whose deposits are insured by a U.S. federal agency, instrumentality, or entity; or (d) Electronic Fund
Transfer.

Payments are deemed received by Lender when received at the location designated in the Note or at
such other location as may be designated by Lender in accordance with the notice provisions in Section 16.
Lender may accept or return any Partial Payments in its sole discretion pursuant to Section 2.

Any offset or claitn that Bortéwer-tay have now'or in thé future against Lender will not relieve
Borrower from making the full amount of‘all payments due under the Note and this Security Instrument or
performing the covenants and agreements secured by this Security [nstrument.

2. Acceptance and Application of Paymentis or Proceeds.

(a) Acceptance and Application of Partial Payments. Lender may accept and either apply or hold
in suspense Partial Payments in its sole discretion in accordance with this Section 2. Lender is not obligated
to accept any Partial Payments or to apply any Partial Payments at the time such payments are accepted, and
also is not obligated to pay interest on such’unapplied funds. Lender may hold such unapplied funds until
Borrower makes payment sufficient to cover a full Periodic Payment, at which time the amount of the full
Periodic Payment will be applied to the Loan. If Borrower does not make such a payment within a reasonable
period of time, Lender will either apply such funds in accordance with this Section 2 or return them to
Borrower. If not applied earlier, Partial Payments will be credited against the total amount due under the
Loan in calculating the amount due in conncction with any foreclosure proceeding, payoff request, loan
modification, or reinstatement. Lender may accept any payment insufficient to bring the Loan current
without waiver of any rights under this Security Instrument cr prejudice to its rights to refuse such payments
in the future. . ..

(b) Order of Application of Partial Payments and Periodic Payments. Except as otherwise
Rocket Mortgage, LLC{NMLS# 3030)|Sher The Wealth Tne DBA Fasy-Mortgage (NMLS #: 2443884) |
Michael Urnecli (NMLS #: 1179480) -

OREGON--Single Family—Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3038 07/2021

Modified for VA
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described in this Section 2, if Lender applies a payment, such payment will be applied to each Periodic
Payment in the order in which it became due, begiuning with the oldest outstanding Periodic Payment, as
follows: first to interest and then to principal due under the Note, and finally to Escrow Items. If all
outstanding Periodic Payments then due are paid in full, any payment amounts remaining may be applied to
late charges and to any amounts then due under this Security Instrument. If all sums then due under the Note
and this Security Instrument are paid in full, any remaining payment amount may be applied, in Lender's sole
discretion, to a future Periodic Payment or to reduce the principal balance of the Note.

If Lender receives a payment from Borrower in the amount of one or more Periodic Payments and
the amount of any late charge due for a delinquent Periodic Payment, the payment may be applied to the
delinquent payment and the late charge.

When applying payments, Lender will apply such payments in accordance with Applicable Law.

{c) Voluntary Prepayments. Voluntary prepayments will be applied as described in the Note.

{d) No Change to Payment Schedule. Any application of payments, insurance proceeds, or
Miscellaneous Proceeds to principal due under the Note will not extend or postpone the due date, or change
the amount, of the Periodic Payments.

3. Funds for Escrow Items.

{a) Escrow Requirement; Escrow Items. Borrower must pay to Lender on the day Periodic
Payments are due under the Note, until the Note is paid in full, a sum of money to provide for payment of
amounts due for all Escrow Items (the "Funds™). The amount of the Funds required to be paid each month
may change during the term of the Loan. Borrower must promptly furnish to Lender all notices or invoices of
amounts to be paid under this Section 3.

{b) Payment of Funds; Waiver, Borrower must pay Lender the Funds for Escrow Items unless
Lender waives this obligation in writing. Lender may waive this obligation for any Escrow Item at any time.
In the event of such waiver, Borrower must pay directly, when and where payable, the amounts due for any
Escrow Items subject to the waiver. If Lender has waived the requirement to pay Lender the Funds for any or
all Escrow Items, Lender may require Borroweér t6'pfovide proof of direct payment of those items within
such time period as Lender may require. Borrower’s obligation to make such timely payments and to provide
proof of payment is deemeéd to be a covenant and agreement of Borrower under this Security Instrument. If
Borrower is obligated to pay Escrow Items directly pursuant to a waiver, and Borrower fails to pay timely the
amount due for an Escrow Item, Lender may exercise its rights under Section 9 to pay such amount and
Borrower will be obligated to repay to Lender any such amount in accordance with Section 9.

Lender may withdraw the waiver as to any or all Escrow Items at any time by giving a notice in
accordance with Section 16; upon such withdrawal, Borrower must pay to Lender all Funds for such Escrow
Items, and in such amounts, that are then requiréd under this Section 3.

(c) Amount of Funds; Application of Funds. Lender may, at any time, collect and hold Funds in
an amount up to, but not in excess of, the maximum amount a lender can‘require under RESPA, Lender will
estimate the amount of Funds due in accordance with Applicable Law.

The Funds will be held in an institution whose deposits are insured by a U.S. federal agency,
instrumentality, or-entity (including Lender, if Lender is an institution whose deposits are so insured) or in
any Federal Home Loan Bank. Lender will apply the Funds to pay the Escrow Items no later than the time
specified under RESPA. Lender may not charge Borrower for: (i) holding and applying the Funds; (ii)
annually analyzing the escrow account; or (iii} verifying the Escrow Items, unless Lender pays Borrower

Rocket Mortgage, LLC(NMLS{#: 3030)|Sher The Wealth Inc DBA. Easy-Mortgage (NMLS #: 2443884) |
Michael Urneeli (NMLS#: 1179480)

OREGON--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3038 07/2021

B S e oA

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interest on the Funds and Applicable Law permi:s Lender to make such a charge. Unless Lender and
Borrower agree in writing or. Applicable Law requires interest to be paid on the Funds, Lender will not.be
required to pay Borrower any interest or earnings on the Funds. Lender will give to Borrower, without
charge, an annual accounting of the Funds as requxred by RESPA.

(d) Surplus; Shortage and Deficiency of Funds. In accordance with RESPA, if there is a surplus
of Funds held in escrow, Lender will account to Borrower for such surplus. If Borrower's Periodic Payment
is delinquent by more than 30 days, Lender may retain the surplus.in the escrow account for the payment of
the Escrow Items, If there is a shortage or deficiency of Funds held in escrow, Lender will notify Borrower
and Borrower will pay to Lender the amount necessary to _make up the shortage or deficiency in accordance
with RESPA.

Upon payment in full of all sumss securcd by th1s Security-Instrument, Lender will promptly refund
to Borrower any Funds held by Lender.

4. Charges; Liens. Borrower must pay (a) all taxes, assessments, charges, fines, and impositions
attributable to the Property which have priority or may attain-priority over this Security Instrument, (b)
leasehold payments or ground rents on the Property, if any, and (¢) Community Association Dues, Fees, and
Assessments, if any. If any of these items are Escrow Items, Borrower will pay them in the manner provided
in Section 3.

Borrower must promptly discharge any lien that has priority or may attain priority over this Security
Instrument unless Borrower: {(aa) agrees in writing to the payment of the obligation secured by the lienin a
manner acceptable to Lender, but only so long as Borrower is performing under such agreement; (bb)
contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which
Lender determines, in its sole discretion, operate to prevent the enforcement of the lien while those
proceedings are pending, but only until such proceedings are concluded; or {cc) secures from the holder of
the lien an agreement satisfactory to Lender that subordinates the lien to this Security Instrument
{collectively, the "Required Actions™). If Lender determines that any part of the Property is subject to a lien
that has priority or may attain priority over this;Sec¢urity Instrument and Borrower has not taken any of the
Required Actions in regard to such lien, Lender.majy give Borrower a notice.identifying the lien. Within 10
days after the date on which that notice is givern,: Borrower must satisfy the lien or take one or more of the
Required Actions. e

S. Property lnsurance R T

" (a) Insurance Requirement, Coverages. Borrower must keep the improvements now existing or
subsequently erected on the Property insured against loss by. fire, hazards included within the term "extended
coverage," and any other hazards including; but.not limited to, earthquakes, winds, and floods, for which
Lender requires insurance. Borrower must maintain the types of insurance Lender requires in the amounts
(including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the
preceding sentences can change during the term of the Loan, and may exceed any minimum coverage
required by Applicable Law. Borrower may choose the insurance carrier providing the insurance, subject to
Lender's right to disapprove Borrower's choice, which right will not be exercised unreasonably.

(b) Failure to Maintain Insurance. If Lender, has a reasonable basis to believe that Borrower has
failed to maintain any of the required insurance coverages described above, Lender may obtain insurance
coverage, at Lender's option and at Borrower's expense. -Unless required by Applicable Law, Lender is under
no obligation to advance premivms for, or to seek to reinstate, any prior lapsed coverage obtained by

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Rocket Mortgage, LLC(NMLS# 3030){Sher The Wealth Inc DBA Fagy-Mortgage (NMLS #:2443884})|
Michael Urneeli (NMLS#:1179480)

OREGON--Single Family--Fannie Mae/F reudie Mac UN IFORM INSTRUMENT F orm 3038 07/2021

. . . Modified for VA
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Borrower. Lender is under no obligation to purchase any particular type or amount of coverage and may
select the provider of such insurance in its sole discretion. Before purchasing such coverage, Lender will
notify Borrower if required to do so under Applicable Law. Any such coverage will insure Lender, but might
not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk,
hazard, or liability and might provide greater or lesser coverage than was previously in effect, but not
exceeding the coverage required under Section- 5(a). Borrower acknowledges that the cost of the insurance
coverage so obtained may significantly exceed the cost of insurance that Borrower could have obtained. Any
amounts disbursed by Lender for costs associated with rcinstating Borrower's insurance policy or with
placing new insurance under this Section 5 will become additional debt of Borrower secured by this Security
Instrument. These amounts will bear interest at the Note rate from the.date of disbursement and will be
payable, with such interest, upon notice from Lender.to Borrower requesting payment.

(c) Insurance Policies. All insurance policies required by Lender and renewals of such policies: (i)
will be subject to Lender's right to disapprove such policies; (ii) must include a standard mortgage clause;
and (iii) must name Lender as mortgagee and/or as an additional loss payee. Lender will have the right to
hold the policies and renewal certificates. If Lender requires, Borrower will promptly give to Lender proof of
paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise
required by Lender, for damage to, or destruction of, the Property, such policy must include a standard
mortgage clause and must name Lender as mortgagee and/or as an additional loss payee.

(d) Proof of Loss; Application of Proceeds. In the event of loss, Borrower must give prompt
notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by
Borrower. Any insurance proceeds, whether or not the underlying insurance was required by Lender, will be
applied to restoration or repair of the Property, if Lender deems the restoration or repair to be economically
feasible and determines that Lender's security will not be lessened by such restoration or repair.

If the Property is to be repaired or restored, Lender will disburse from the insurance proceeds any
initial amounts that are necessary to begin the repair or restoration, subject to any restrictions applicable to
Lender. During the subsequent; repair and restoration,period, Lender will have the right to hold such
insurance proceeds until Lender has had an opportunity to’ inspect such Property to ensure the work has been
completed to Lender's satisfaction (whrch may include satlsfylng Lender’s minimum eligibility requirements
for persons repairing the Property, including, but not limited to, licensing, bond, and insurance requirements)
provided that such inspection must be undertaken promptly. Lender may disburse proceeds for the repairs
and restoration in a smgle payment or in a series of progress payments as the work is completed, dependmg
on the size of the repair or restoration, the terms of the repair agreement, and whether Borrower is in Default
on the Loan. Lender may make such dlsbursements directly to Borrower, to the person repairing or restonng
the Property, or payable jointly to both. Lender will not be required to pay Borrower any interest or eammgs
on such insurance proceeds unless Lender and Borrower agree in writing or Applicable Law requires
otherwise. Fees for public adjusters, or other third parties, retained by Borrower will not be paid out of the
insurance proceeds and will be the sole obligation of Borrower.

If Lender deems the restoration or repair not to be economically feasible or Lender's security would
be lessened by such restoration or repair, the insurance proceeds will be applied to the sums secured by this
Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such insurance
proceeds will be applied in the order that Partial Payments are applied in Section 2(b).

(e) Insurance Settlements; Assxgnment of Proceeds. If Borrower abandons the Property, Lender
may file, negotiate; and settle any available insurance claim and related matters. If Borrower does not

Rocket Mortgage, LLC (NMLS #:3030)|Sher 'rhe Wealth Inc DBA Easy-Mortgage (NMLS #: 2443884) |
Michael Urnecli (NMLS# 11798480)

OREGON--Single Family-Fannie Mae/Freddie 'Vlac UNIFORM INSTRUMENT Form 3038 07/2021

. B Modified for VA
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respond within 30 days to a notice from Lender that the insurance carrier has offered to settle a claim, then
Lender may negotiate and settle the claim. The 30-day period will begin when the notice is given. In cither
event, or if Lender acquires the Property under Section 26 or otherwise, Borrower is unconditionally
assigning to Lender (i) Borrower's rights to any insurance proceeds in an amount not to exceed the amounts
unpaid under the Note and this Security Instrument, and (ii) any other of Borrower's rights (other than the
right to any refund of unearned premiums paid by Borrower) under all insurance policies covering the
Property, to the extent that such rights are applicable to the coverage of the Property. If Lender files,
negotiates, or settles a claim, Borrower agrees that any insurance proceeds may be made payable directly to
Lender without the need to include Borrower as an additional loss payee. Lender may use the insurance
proceeds either to repair or restore the Property (as provided in Section 5(d)) or to pay amounts unpaid under
the Note or this Security Instrument, whether or not then due. .

6. Occupancy. Borrower must occupy, establish, and use the Property as Borrower's principal
residence within 60 days after the execution of this Securlty Instrument and must continue te occupy the
Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender
otherwise agrees in writing, which consent will not be unreasonably withheld, or unless extenuating
circumstances exist that are beyond Borrower's control, '

7. Preservation, Maintenance, and Protection of the Property; Inspections. Borrower will not
destroy, damage, or impair the Property, allow the Property to deteriorate, or commit waste on the Property.
Whether or not Borrower is residing in the Property, Borrower must maintain the Property in order to prevent
the Property from deteriorating or decreasing in value due to its condition. Unless Lender determines
pursuant to Section 5 that repair or restoration is not economically feasible, Borrower will promptly repair
the Property if damaged to avoid further deterioration or damage.

If insurance or condemnation proceeds are paid to Lender in connection with damage to, or the
taking of, the Property, Borrower will be responsible for repairing or restoring the Property only if Lender
has released proceeds for such purposes. Lender may disburse proceeds for the repairs and restoration in a
smgle payment or in-a series, of progress- payments as the work is completed, dependlng on the size of the
repair or restoration, the terms of the repairagreement, and whether Borrower is in Default on the Loan.
Lender may make such disbursements directly.to Borrower, to the person repairing or restorlng the Property,
or payable jointly to both, If the insurance or condemnation proceeds are not sufficient to repair or restore the
Property, Borrower remains obligated to complete such repair or restoration.

Lender may make reasonable entries upon and inspections of the Property. If Lender has reasonable
cause, Lender may inspect the interior of the improvements on the Property. Lender will give Borrower
notice at the time of or prior to such an interior inspection specifying such reasonable cause.

8. Borrower's Loan Application, Borrower will be in Default if, during the Loan application
process, Borrower or any persons or entities acting at Borrower's direction or with Borrower's knowledge or
consent gave materially false, misleading, or inaccurate information or statements to Lender (or failed to
provide Lender with material information) in connection with the Loan, including, but not limited to,
overstating Borrower's income or assets; understating or failing to provide documentation of Borrower's debt

obligations and liabilities, and misrepresenting Borrower's occupancy or intended occupancy of the Property
as Borrower's principal residence.

9. Protection of Lender s Interest in the Property and Rights Under this Security Instrument,
(a) Protection of Lender's Interest IE: (i) Borrower fails to perform the covenants and agreements
Rocket Mortgage, LLC (NMLS #:3030) | Sher The Wealth Inc DBA Easy- Mortgage (NMLS #: 2443884) |
Michael Urnecli (NMLS#: 1175480)
OREGON--5Single Family--Fannie MaefFrendle Mac DNIFORM II\STRUMENT Form 3038 07/2021

. o Modified for VA
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contained in this Security Instrument; (ii) there is a legal proceeding or government order that might
significantly affect Lender's interest in the Property and/or rights under this Security Instrument (such as a
proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien that has priority
or may attain priority over this Security Instrument, or to enforce laws or regulations); or (iii) Lender
reasonably believes that Borrower has abandoned the Property, then Lender may do and pay for whatever is
reasonable or appropriate to protect Lender's interest in the Property and/or rights under this Security
Instrument; including protecting and/or assessing the value-of the Property, and securing and/or repairing the
Property. Lender's actions may include, but are not limited to: (I) paying any sums secured by a lien that has
priority or may attain priority over this Security Instrument; (II) appearing in court; and (III) paying: (A)
reasonable attorneys' fees and costs; (B) property inspection and valuation fees; and (C) other fees incurred
for the purpose of protecting Lender's interest in the:Propetty and/or rights under this Security Instrument,
including its secured position in a bankruptcy proceeding. Securing the Property includes, but is not limited
to, exterior and interior inspections of the Property, entering the Property to make repairs, changing locks,
replacing or boarding up doors and windows, draining water from pipes, eliminating building or other code
violations or dangerous conditions, and having utilities turned on or off. Although Lender may take action
under this Section 9, Lender is not required to do so and is not under any duty or obligation to do so. Lender
will not be liable for not taking any or all actions authorized under this Section 9.

(b) Avoiding Foreclosure; Mitigating Losscs. 1f Borrower is in Default, Lender may work with
Borrower to avoid foreclosure and/or mitigate Lender's potential losses, but is not obligated to do so unless
required by Applicable Law. Lender may take reasonable actions to evaluate Borrower for available
alternatives to foreclosure, including, but not limited to, obtaining credit reports, title reports, title insurance,
property valuations, subordination agreements, and third-party approvals. Borrower authorizes and consents
to these actions. Any costs associated with such loss mitigation activities may be paid by Lender and
recovered from Borrower as described below in Section 9(c), unless prohibited by Applicable Law.

{¢) Additional Amounts Secured. Any amounts disbursed by Lender under this Section 9 will
become additional debt of Borrower secured; by, this Security Instrument. These amounts may bear interest at
the Note rate from the date of disbursement and.wrll be payable, with such interest, upon notice from Lender
to Botrower requesting payment. .

(d) Leasehold Terms. If this Secunty Instrument is on a leasehold, Borrower will comply with all
the provisions of the lease. Borrower will'not surrender the leasehold estate and interests conveyed or
terminate or cancel the ground lease. Borrower will not, without the express writtén consent of Lender, alter
or amend the ground lease. If Borrower acqulres fee title to the Property, the leasehold and the fee title will
not merge unless Lender agrees to the merger in writing.

10. Assignment of Rents.

(a) Assignment of Rents. If the Propclty is leased to, used by or occupied by a third party
("Tenant™), Borrower is unconditionally assigning and transferring to Lender any Rents, regardless of to
whom the Rents are payable. Borrower authorizes Lender to collect the Rents, and agrees that each Tenant
will pay the Rents to Lender. However, Borrower will receive the Rents until (i) Lender has given Borrower
notice of Default pursuant to Section 26, and (ii) Lender-has given notice to the Tenant that the Rents are to
be paid to Lender. This Section 10 constitutes an absolute assignment and not an assignment for additional
security only.

(b) Notice of Defauit. If Lender gives notice of Default to Borrower: (i) all Rents received by
Borrower must be held by Borrower as trustee for the benefit of Lender only, to be applied to the sums
Rocket Mortgage., LLC(NMLS#: 3030)|Sher Thé Wealth Inc DBA Easy-Mortgage (NMLS#: 2443884)|
Michael Urnecli (NMLS#: 1179480)

OREGON--Single Family—-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3038 07/2021

, Modified for VA
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secured by the Security Instrument; (ii) Lender wili be entitled to collect and receive all of the Rents; (iii)
Borrower agrees to instruct each Tenant that Tenant is to pay all Rents due and unpaid to Lender upon
Lender's written demand to-the Tenant; (iv) Borrower will ensure that each Tenant pays all Rents due to
Lender and will take whatever action is necessary to collect such Rents if not paid to Lender; (v) unless
Applicable Law provides otherwise, all Rents collected by Lender will be applied first to the costs of taking
control of and managing the Property and collecting the Rents, including, but not limited to, reasonable
attorneys' fees and costs, receiver's fees, premiums on receiver's bonds, repair and maintenance costs,
insurance premiums, taxes, assessments, and other charges on the Property, and then to any other sums
secured by this Security Instrument; (vi) Lender, or any judicially appointed receiver, will be liable to
account for only those Rents actually received; and (vii) Lender will be entitled to have a receiver appointed
to take possession of and manage the Property and collect the Rents and profits derived from the Property
without any showmg as to the inadequacy of the Property as secunty

(¢) Funds Paid by Lender. if the Rents are not sufficient to cover the costs of taking control of and
managing the Property and of collecting the Rents, any funds paid by Lender for such purposes will become
indebtedness of Borrower to Lender secured by this Security Instrument pursuant to Section 9.

(d) Limitation on Collection of Rents. Borrower may not collect any of the Rents more than one
month in advance of the time when the Rents become due, except for security or similar deposits.

(e) No Other Assignment of Rents. Borrower represents, warrants, covenants, and agrees that
Borrower has not signed any prior assignment of the Rents, will not make any further assignment of the
. Rents, and has not performed, and will not perform, any act that could prevent Lender from exercising its
rights under this Security Instrument.

(f) Control and Maintenance of the Property. Unless required by Applicable Law, Lender, or a
receiver appointed under Applicable Law, is not obligated to enter upon, take control of, or maintain the
Property before or after giving notice of Default to Borrower. However, Lender, or a receiver appointed
under Applicable Law, may do so at any time when Borrower is in Default, subject to Applicable Law.

(g) Additional Provisions. Any applicatioitrof the Rents will not cure or waive any Default or
invalidate any other right or remedy of Lender Tlns Sectlon 10 does not relieve Borrower of Borrower's
obligations under Section 6. B :

This Section 10 will terminate when al] #hie-sums secured by this Security Instrument are paid in
full. ‘ o N

11. Mortgage Insurance.

(a) Payment of Premiums; Substitution of Policy; Loss Reserve; Protection of Lender. If
Lender required Mortgage lnsurance as a condition of making the Loan, Borrower will pay the premiums
required to maintain the Mortgage Insurance in effect. If Borrower was required to make separately
designated payments toward the premiums for Mortgage Insurance, and (i) the Mortgage Insurance coverage
required by Lender ceases for any reason to be avaiiable from the mortgage insurer that prevrous]y provided
such insurance, or (ii) Lender determines in its sole discretion that such mortgage insurer is no longer eligible
to provide the Mortgage Insurance coverage required by Lender, Borrower will pay the premlums required to
obtain coverage substantially equivalent to the'Mortgage Insurance previously in effect, at a cost
substantially equwalent to the cost to Borrower-of the Mortgage Insurance previously in effect, from an
alternate mortgage insurer selected by Lender. .

If substantially equivalent Mortgage Insurance coverage is not available, Borrower will continue to

Rocket Mortgage, LLC (NMLS# 3030)|Sher The:Wéalth Inc DBA Easy-Mortgage (NMLS#: 2443884)|
Michael Urnecli (NMLS#;1179480)

OREGON--Single Family-Fannie- Mae/Freddie Mac UNIFORM INSTRUMENT Form 3038 07/2021

] Modified for VA
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pay to Lender the amount of the separately designated pavinents that were due when the insurance coverage
ceased to be in effect. Lender will accept, use, and rétain these payments as a non-refundable loss reserve in
lieu of Mortgage Insurance. Such loss reserve will be non-refundable, even when the Loan is paid in full, and
Lender will not be required to pay Borrower any interest or earnings on such loss.reserve.

Lender will no longer require loss reserve payments if Mortgage Insurance coverage (in the amount
and for the period that Lender requires) provided by an insurer selected by Lender again becomes available,
is obtained, and Lender requires separately desrgnated payments toward the premiums for Mortgage
Insurance.

If Lender required Mortgage Insurance as a condition-of making the Loan and Borrower was
required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower
will pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non-refundable loss
reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement
between Borrower and Lender providing for such termination or until termination is required by Applicable
Law. Nothing in this Section 11 affects Borrower's obligation to pay interest at the Note rate.

(b) Mortgage Insurance Agreements. Mortgage Insurance reimbuises Lender for certain losses
Lender may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage
Insurance policy or coverage,

Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may
enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements
may require the mortgage insurer to make payments using any source of funds that the mortgage insurer may
have available (which may include funds obtained from Mortgage Insurance premiums).

As a result of these agreements, Lender, another insurer, any reinsurer, any other entity, or any
affiliate of any of the foregoing, may receive (directly or indirectly) amounts that derive from (or might be
characterized as) a portion of Borrower's payments for Mortgage Insurance, in exchange for sharing or
modifying the mortgage insurer's risk, or reducing losses. Any such agreements will not: (i) affect the
amounts that Borrower has agreed:to pay for Mortgage insurance, or any other terms of the Loan; (ii)
increase the amount Borrower will owe for Mortghge Insurance; (iii) entitle Borrower to any refund; or (iv)
affect the rights Borrower has, if any, with réspect to the Mortgage Insurance under the Homeowners
Protection Act of 1998 (12 U.S.C. § 4901 et seg.),-as it may be amended from time to time, or any additional
or successor federal legislation or regulation that.governs the same subject matter ("HPA"). These rights
under the HPA may include the right to reccive certain disclosures, to request and obtain cancellation of the
Mortgage Insurance, to have the Mortgage Insurance terminated automatically, and/or to receive a refund of
any Mortgage Insurance premiums that were unearned at the time of such cancellation or termination.

12. Assignment and Application of Miscellaneous Proceeds; Forfeiture.

(a) Assignment of Miscellaneous Proceeds. Borrower is .unconditionally assigning the right to
receive all Miscellaneous Procceds to Lender and agrees that such-amounts will be paid to Lender.

(b) Application of Miscellaneous Proceeds upon Damage to Property If the Property is
damaged, any Miscellaneous Proceeds will be applied to restoration or repair of the Property, if Lender
deems the restoration or repair to be economically feasible and Lender’s security will not be lessened by such
restoration or repair. During such repair and restoration period, Lender will have the right to hold such
Miscellaneous Proceeds until Lender has had an opportunity to inspect the Property to ensure the work has
been completed to Lender's satisfaction (which may include satisfying Lender's minimum eligibility

Rocket Mortgage, LLC (NMLS # 3030)|Sher The Wealth .Inc DBA Easy-Mort:gage (NMLS #: 2443884) |
Michael Urnecli (NMLS#: 1179480)

OREGON--Single Family—Farnie Mac/Freddie Mac UNIFORM lNSTRUMENT Form 3038 07/2021

Modified for VA
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requirements for persons repairing the Property. nclading, but not limited to, licensing, bond, and insurance
requirements) provided that such inspection must be undertaken promptly. Lender may pay for the repairs
and restoration in a single disbursement or in a series of progress payments as the work is completed,
depending on the size of the repair or restoration, the térms of the repair agreement, and whether Borrower is
in Default on the Loan. Lender may make such disbursements directly to Borrower, to the person repairing or
restoring the Property, or payable jointly to both. Unless Lender and Borrower agree in writing or Applicable
Law requires interest to be paid on such Miscelianeous Proceeds, Lender will not be required to pay
Borrower any interest or earnings on such Miscellaneous Proceeds. If Lender deems the restoration or repalr
not to be economically feasible or Lender's security would be lessened by such restoration or repair, the
Miscellaneous Proceeds will be applied to the sums secured by this Security Instrument, whether or not then
due, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds will be applied in the order that
Partial Payments are applied in Section 2(b).

(c) Application-of Miscellaneous Proceeds upon Condemnation, Destruction, or Loss in Value
of the Property. In the event of a total taking, destruction, or loss in value of the Property, all of the
Miscellaneous Proceeds will be applied to the sums secured by this Security Instrument, whether or not then
due, with the excess, if any, paid to Borrower.

In the event of a partial taking, destruction, or loss in value of the Property (each, a "Partial
Devaluation™) where the fair market value of the Property immediately before the Partial Devaluation is
equal to or greater than the amount of the sums secured by this Security Instrument immediately before the
Partial Devaluation, a percentage of the Miscellaneous Proceeds will be applied to the sums secured by this
Security Instrument unless Borrower and Lender otherwisc agree in writing., The amount of the
Miscellaneous Proceeds that will be so applied is determined by multiplying the total amount of the
Miscellaneous Proceeds by a percentage calculated by taking (i) the total amount of the sums secured
immediately before the Partial Devaluation, and dividing it by (ii) the fair market value. of the Property
immediately before the Partial Devaluation. Any balance of the Miscellaneous Proceeds will be paid to
Borrower. puding, b

In the event of a Partial Devaluatlon where the; fa;r market value of the Property immediately before
the Partial Devaluation is less than the amount of the sums secured immediately before the Partial
Devaluation, all of the Miscellaneous Proceeds will be applied to the sums secured by this Security
Instrument, whether or not the sums are then due; unless Borrower and Lender otherwise agree in writing.

(d) Settlement of Claims. Lender is authorized to collect and apply the Miscellaneous Proceeds
either to the sums secured by this Security Instrument, whether or not then due, or to restoration or repair of
the Property, if Borrower (i) abandons the Property, or (ii) fails 10 respond to Lender within 30 days after the
date Lender notifies Borrower that the Opposing Party {(as defined in the next sentence) offers to settle a
claim for damages. "Opposing Party” means the third party that owes Borrower the Miscellaneous Proceeds
or the party against whom Borrower has a right of action in regard to the Miscellaneous Proceeds.

(¢) Proceeding Affecting Lender's Interest in the Property. Borrower will be in Default if any
action or proceeding begins, whether civil or criminal, that, in Lender's judgment, could result in forfeiture of
the Property or other material impairment of Lender’s interest in the Property or rights under this Security
Instrument. Borrower can cure such a Default and,.if acceleration has occurred, reinstate as provided in
Section 20, by causing the action or proceeding to be dismissed with a ruling that, in Lender's judgment,
precludes forfeiture of the Property or other material i xmpamnent of Lender's interest in the Property or rights
under this Security Instrument. Borrower is uncondmonally assigning to Lender the proceeds of any award or

Rocket Mortgage, LLC (NMLS# 3030)|Sher The Wealth Inc DBA Easy-Mortgage (NMLS #: 2443884)|
Michael Urnecli (NMLS#:1179480)

OREGON--Single Family--Fannie Mae/Freddre Vlac UNlFORM INSTRUMENT Form 3038 07/2021

L Modified for VA
E& 25316.9 Page 13 of 22

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claim for damages that are attributable to the impainnent of Lender's interest in the Property, which proceeds
will be paid to Lender. All Miscellaneous Proceeds that ave not applied to restoration or repair of the Property
will be applied in the order that Partial Payments are applied in Section 2(b).

13. Borrower Not Released; Forbearance by Lender Not a Waiver. Borrower or any Successor
in Interest of Borrower will not be released from liability under this Security Instrument if Lender extends the
time for payment or modifies the amortization of the sums secured by this Security Instrument. Lender will
not be required to commence proceedings against any Successor in Interest of Borrower, or to refuse to
extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument,
by reason of any demand made by the original Borrower or any Successors in Interest of Borrower. Any
forbearance by Lender in exercising any right or remedy including, without limitation, Lender's acceptance
of payments from third persons, entities, or Successors in Interest of Borrower or in amounts less than the
amount then due, will not be a waiver of, or preclude the exercise of, any right or remedy by Lender.

14. Joint and Several Liability; Signatories; Successors and Assigns Bound. Borrower's
obligations and liability under this Security Instrument will be joint and several, However, any Borrower who
signs this Security Instrument but does not sign the Note: (a) signs this Security Instrument to mortgage,
grant, and convey such Borrower's interest in the Property under the terms of this Security Instrument; (b)
signs this Security Instrument to waive any applicable inchoate rights such as dower and curtesy and any
available homestead exemptions; (c) signs this Security Instrument to assign any Miscellaneous Proceeds,
Rents, or other earnings from the Property to Lender; (d) is not personally obligated to pay the sums due
under the Note or this Security Instrument; and (&) agrees that Lender and any other Borrower can agree to
extend, modify, forbear, or make any accommodations with regard to the terms of the Note or this Security
Instrument without such Borrower's consent and without affecting such Borrower's obligations under this
Security Instrument.

Subject to the provisions of Section 19, any Successor in Interest of Borrower who assumes
Borrower's obligations under this Security Instrument in writing, and is approved by Lender, will obtain all
of Borrower's rights, obligations, and benefits under this Security.Instrument.-Borrower will not be released

from Borrower's obligations and liability under this.Security Instrument unless Lender agrees to such release
in writing, . - .

g

15. Loan Charges. e e Ty

(a) Tax and Flood Determlnatlon Fees. Leuder may require Borrower to pay (i) a one-time charge
for a real estate tax verification-and/or reporting:service used by Lender in connection with this Loan, and (ii)
either (A) a one-time charge for flood zone deterinination, certification, and tracking services, or (B) a one-
time charge for flood zone: determination and certification services and subsequent charges each time
remappings or similar changes occur that reasonably might affect such determination or certification.
Borrower will also be responsible for the payment of any fees imposed by the Federal Emergency
Management Agency, or any successor agency, at, any time during the Loan term, in connection with any
flood zone determinations,

(b) Default Charges. If permitted under Apphcable Law, Lender may charge Borrower fees for
services performed in connection with Borrower's Default to protect Lender's interest in the Property and
rights under this Security Instrument, including: (i) reasonable attorneys' fees and costs; (ii) property
inspection, valuation, mediation, and loss mitigation fees; and (iii) other related fees.

(c) Permissibility of Fees. In regard to. any other fees; the absence of express authority in this

Rocket Mortgage, LLC(NMLSi: 3030)|Sher The Wealth Inc L.BA Easy-Mortgage (NMLS #: 2443884) |
Michael Urnecli (NMLS# 1179480)

OREGON-Single Famrly—Fannle Mae/Freddie Mac UNIFORM INSTRUMENT Form 3038 07/2021

Modified for VA
EXl 25316.9 Page 14 0f 22

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Security Instrument to charge a specific fer: io Borrower should not be construed as a prohibition on the
charging of such fee. Lender may not charge fees that are expressly prohibited by this Security Instrument or
by Applicable Law,

(d) Savings Clause, If Applicable Law sets maximum loan charges, and that law is finally
interpreted so that the interest or other loan charges collected or to be collected in connection with the Loan
exceed the permitted limits, then (i) any such loan charge will be reduced by the amount necessary to reduce
the charge to the permitted limit; and (ii) any sums already collected from Borrower which exceeded
permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the
principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the
reduction will be treated as a partial prepayment without any prepayment charge (whether or not a
prepayment charge is provided for under the Note). To the extent permitted by Applicable Law, Borrower's
acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of
action Borrower might have arising out of such overcharge.

16. Notices; Borrower's Physical Address. All notices given by Borrower or Lender in connection
with this Security Instrument must be in writing: . "

(a) Notices to Borrower. Unless Applicable Law requires a different method, any written notice to
Borrower in connection with this Security Instrument will be deemed to have been given to Borrower when
(1) mailed by first class mail, or (ii) actually delivered to Borrower's Notice Address (as defined in Section
16(c) below) if sent by means other than first class mail or Electronic Communication (as defined in Section
16(b) below). Notice to any one Borrower will constitute notice to all Borrowers unless Applicable Law
expressly requires otherwise. If any notice to Borrower requited by this Security Instrament is also required
under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this
Security Instrument.

(b) Electronic Notice to Borrower. Unless another delivery method is required by Applicable Law,
Lender may provide notice to Borrower by e-mail or other electronic communication ("Electronic
Communication”) if: (i) agreed to by Lender and Botrower in writing; (ii) Borrower has provided Lender
with Borrower's e-mail or other elecironic:address ("Electronic Address"); (iii) Lender provides Borrower
with the option to receive notices by first class mail or by other non-Electronic Communication instead of by
Electronic Communication; and (iv) Lender -otherwise complies with Applicable Law. Any notice to
Borrower sent by Electronic Communication in connection with this Security Instrument will be deemed to
have been given to Borrower when sent unless Lender becomes aware that such notice is not delivered. If
Lender becomes aware that any notice sent by Electronic Communication is not delivered, Lender will
resend such communication to Borrower by first class mail or by other non-Electronic Communication.
Borrower may withdraw the agreement to receive Electronic Communications from Lender at any time by
providing written notice to Lender of Borrower's withdrawal of such agreement.

(c) Borrower's Notice Address. The address to which Lender will send Borrower notice ("Notice
Address") will be the Property Address unless Borrower has.designated a different address by written notice
to Lender. If Lender and Borrower have agreed that notice may be given by Electronic Communication, then
Borrower may designate an Electronic Address as Notice Address. Borrower will promptly notify Lender of
Borrower's change of Notice Address, including any changes to Borrower's Electronic Address if designated
as Notice Address. If Lender specifies a procedure tor reporting Borrower's change of Notice Address, then
Borrower will report a change of Notice Address only through that specified procedure.

(d) Notices to Lender. Any aotice to Lender will be given by delivering it or by mailing it by first
Rocket Mortgage, LLC (NMLS#: 3030))Sher The Wealth Inc DAL Easy-Mortgage (NMLS#: 2443884) |
Michael Urnecli (NMLS# 1179480) .. ) 
OREGON-Single Family—Fanaie Mae/Freddic Mac UNIFORM INSTRUMENT Form 3038 07/2021

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class mail to Lender's address stated in this Security Instrument unless Lender has designated another address
(including an Electronic Address) by notice to Borrower. Any notice in connection with this Security
Instrument will be deemed to have been given to. Lender only when actually received by Lender at Lender's
designated address (which may include an Electronic Address). If any notice to Lender required by this
Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the
corresponding requirement under this Secuxrty Instrument

(e) Borrower's Physu:al Address. In. addmon to the designated Notice Address Borrower will
provide Lender with the address where Borrower physically resides, if different from the Property Address,
and notify Lender whenever this address changes..

17. Governing Law; Severability;. Rules of Constructlon This Security Instrurnent is governed
by federal law-and the law.of the State of Oregon. All rights and obligations contained in this Security
Instrument are subject to any requirements and limitations of Applicable Law. If any provision of this
Security Instrument or the Note conflicts with Applicable Law (i) such conflict will not affect other
provisions of this Security Instrument or-the Note that can be given effect without the conflicting provision,
and (ii) such conflicting provision, to the extent possible, will be considered modified to comply with
Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it
might be silent, but such silence should not be construed as a prohibition against agreement by contract. Any
action required under this Security Instrument to be made in accordance with Applicable Law is to be made
in accordance with the Applicable Law in effect at the time the action is undertaken.

As used in this Security Instrument: (a) words in the singular will mean and include the plural and
vice versa; (b) the word "may” gives sole discretion without any obligation to take any action; (c) any
reference to "Section” in this document refers to Sections contained in this Security Instrument unless
otherwise noted; and (d) the headings and captions are inserted for convenience of reference and do not
define, limit, or describe the scope or intent of this Security Instrument or any particular Section, paragraph
or provision.

18. Barrower's Copy. One Borrower w111 be given one copy of the Note and of this Security
Instrument. b

19. Transfer of the Property or a Beneficial Interest in Borrower. For purposes of this Section
19 only, "Inferest in the Property” means any. legal or beneficial interest in the Property, including, but not
limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales
contract, or €scrow agreement the intent of whlch is the transfer of title by Borrower to a purchaser at a
future date. - ¢

If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower
is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior
written consent, Lender may require immediate payment in full of all sums secured by this Security
Instrument. However, Lender will not exercise this option if such exercise is prohibited by Applicable Law.

If Lender exercises this optlon Lender will give Borrower notice of acceleration. The notice will
provide a period of not less than 30 days from the date the notice is givén in accordance with Section 16
within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these
sums prior to, or upon, the expiration of this period, Lender may invoke any remedies permitted by this
Security Instrument without further notice or demand on Borrower and will be entitled to collect all expenses
incurred in pursuing such remedies, including, but not limited to: () reasonable attorneys' fees and costs; (b)

3

td

Rocket Mortgage, LLC (NMLS#: 2030)}|sSher Tha Wealth Inc DEA Easy-Mortgage (NMLS#: 2443884}
Michael Urnecli (NMLS# 1175480)

OREGON-—Single Family—Fannie Mae/Freddie ‘\/lac UNIFORM INSTRUMENT Form 3038 0772021

Modified for VA
25316.9 Page 16 of 22

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property inspection and valuation fees; and (c) other fees incurred to protect Lender's Interest in the Property
and/or rights under this Security [nstrument.

20. Borrower's Right to Reinstate the Loan after Acceleration. If Borrower meets certain
conditions, Borrower will have the right to reinstate the Loan and have enforcement of this Security
Instrument discontinued at any time up to the later of (a) five days before any foreclosure saie of the
Property, or (b) such other pericd as Applicable Law might specify for the termination of Borrower's right to
reinstate. This right to reinstate will not apply in the case of acceleration under Section 19.

To reinstate the Loan, Borrower must satisfy all of the following conditions: (aa) pay Lender all
sums that then would be due under this Security Instrument and the Note as if no acceleration had occurred;
{bb) cure any Default of any other covenants or'agreements under this Security Instrument or the Note; (cc)
pay all expenses incurred in enforcing this Security Instrument or the Note, including, but not limited to: (i)
reasonable attorneys’ fees and costs; (ii) property inspection and valuation fees; and (iii) other fees incurred
to protect Lender's interest in the Property and/or rights under this Security Instrument or the Note; and (dd)
take such action as Lender may reasonably require to assure that Lender's interest in the Property and/or
rights under this Security Instrument or the Note, and Borrower's obligation to pay the sums secured by this
Security Instrument or the Note, will continue unchanged.

Lender may require that Borrower pay such reinstatement sums and expenses in one or more of the
following forms, as selected by Lender: (aaa) cash; (bbb) money order; (ccc) certified check, bank check,
treasurer's check, or cashier's check, provided any such check is drawn upen an institution whose deposits are
insured by a U.S. federal agency, instrumentality, or entity; or {ddd) Electronic Fund Transfer. Upon
Borrower's reinstatement of the Loan, this Security Instrument and obligations secured by this Security
Instrument will remain fully effective as if no acceleration had occurred.

21. Sale of Note. The Note or a partial interest in the Note, together with this Security Instrument,
may be sold or otherwise transferred one or more times. Upon such a sale or other transfer, all of Lender's
rights and obligations under this Security Instrument will convey to Lender’s successors and assigns.

22. Loan Servicer: Lender may take any action:permitted under this Security Instrument through
the Loan Servicer or another authorized representative, such as a sub-servicer. Borrower understands that the
Loan Servicer or other authorized representatwe -of Lender has the right and authority to take any such
action. e

The Loan Servicer may change one or:more tlmes durlng the term of the Note. The Loan Servicer
may or may not be the holder of the Note. The.Loan Servicer has the right and authority to: (a) collect
Periodic Payments and any other amounts due under the Note and this Security Instrument; (b) perform any
other mortgage loan servicing obligations; and (c) exercise:any rights under the Note, this Security
Instrument, and Applicable Law on behalf of Lender. If there is a change of the Loan Servicer, Borrower will
be given written notice of the change which will state the name and address of the new Loan Servicer, the
address to which payments should be made, and any other information RESPA requires in connection with a
notice of transter of servicing. .

23. Notice of Grievance. Until Borro“'er or Lender has notl?ed the other party (in accordance with
Section 16) of an alleged breach and afforded the other party a reasonable period after the giving of such
notice to take corrective action, neither Borrower nor Lender may commence, join, or be joined to any
Judicial action (either as an individual litigant or a2 member of a class) that (a) arises from the other party’s
actions pursuant to this Security Instrument or the Note, or (b) alleges that the other party has breached any

Rocket Mortgage, LLC(NMLS#: 3030)|Sher The Wedlth Inc DBA Easy-Mortgage (NMLS #: 2443884) |
Michael Urnecli (NMLS #:1175480)

OREGON-Single Family—Fauanie Mae/Freddie. Mac UNIFORM INSTRUMENT Form 3038 07/2021

. 8 . Modified for VA
ED 25316.9 Page 17 of 22

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provision of this Security Instrument or the Note, If Applicable Law provides a time period that must elapse
before certain action can be taken, that time period will be deemed to be reasonable for purposes of this
Section 23. The notice of Default given to Borrower pursuant to Section 26(a) and the notice of acceleration
given to Borrower pursuant to Section 19 will be deemed to satisfy the notice and (?)pportunity to take
corrective action provisions of this Section 23.

24, Hazardous Substances.

(a) Definitions. As used in this Section 24: (i) "Environmental Law" means any Applicable Laws
where the Property is located that relate to health, safety, or environmental protection; (ii) "Hazardous
Substances” include (A} those substances defined as toxic or hazardous substances, pollutants, or wastes by
Environmental Law, and (B) the following substances: gasoline, kerosene, other flammable or toxic
petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or
formaldehyde, corrosive materials or agents, and radioactive materials; (iii) "Environmental Cleanup"
includes any response action, remedial action, or removal action, as defined in Environmental Law; and (iv)
an "Environmental Condition" means a condition that can cause, contribute to, or otherwise trigger an
Environmental Cleanup. . .

(b) Restrictions on Use of Hazardous Substances. Borrower will not cause or permit the presence,
use, disposal, storage, or release of any Hazardous Substances, or threaten to release any Hazardous
Substances, on or in the Property. Borrower will not do, nor allow anyone else to do, anything affecting the
Property that: (i) violates Environmental Law; (ii) creates an Environmental Condition; or (iii) due to the
presence, use, or release of a Hazardous Substance, creates a condition that adversely affects or could
adversely affect the value of the Property. The preceding two sentences will not apply to the presence, use, or
storage on the Property of small quantities of Hazardous Substances that are generally recognized to be
appropriate to normal residential uses and to maintenance of the Property (including, but not limited to,
hazardous substances in consumer producis}.

(c) Notices; Remedial Actions. Borrower will promptly give Lender written notice of: (i) any
investigation, claim, demand, lawsuit, oriether:action by any governmental or regulatory agency or private
party invelving the Property and any Hazardous Substance or Environmental Law of which Borrower has
actual knowledge; (ii) any Environmental-Condition, including but not limited to, any spilling, leaking,
discharge, release, or threat of release of any Hazardous Substance; and (iii) any condition caused by the
presence, use, or release of a Hazardous Substance that adversely affects the value of the Property. If
Borrower learns, or is notified by any governmental or regulatory authority or any private party, that any
removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower will
promptly take all necessary remedial actions in accordance with Environmental Law. Nothing in this Security
Instrument will create any obligation on Lender for an Environmenta! Cleanup.

25. Electronic Note Signed with Borrower's Electronic Signature. If the Note evidencing the
debt for this Loan is electronic, Borrower acknowledges and represents to Lender that Borrower: (a)
expressly consented and intended to sign the electronic N.ote, using an Electronic Signature adopted by
Borrower ("Borrower's Electronic Signature") instead of signing a paper Note with Borrower's written pen
and ink signature; (b) did not withdraw Borrower's express consent to sign the electronic Note using
Borrower's Electronic Signature; (c) understood that by signing the electronic Note using Borrower's
Electronic Signature, Borrower promised to pay the debt evidenced by the electronic Note in accordance with
its terms; and (d) signed the electronic Note with Borrower's Electronic Signature with the intent and
understanding that by doing so, Borrower promised to pay the debt evidenced by the electronic Note in

Rocket Mortgage, LLC{NMLS# 3030}|Sher The Wezlth Inc DBA Easy-Mortgage (NMLS #: 2443884) |
Michael Urnecli (NMLS#: 1175480) ,

OREGON--Single Family--Fanaie Mae/Freddie Mac, UNIFORM INSTRUMENT Form 3038 07/2021

R T e

Page 18 of 22
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accordance with its terms.
NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows:

26. Acceleration; Remedies.

(a) Notice of Default. Lender will give a notice of Default to Borrower prior to acceleration
following Borrower's Default, except that such notice of Default will not be sent when Lender exercises its
right under Section 19 unless Applicable Law provides otherwise. The notice will specify, in addition to any
other information required by Applicable Law: (i) the Default; (ii) the action required to cure the Default;
(iii) a date, not less than 30 days (or as otherwise specified by Applicable Law) from the date the notice is
given to Borrower, by which the Default must be cured; (iv) that failure to cure the Default on or before the
date specified in the notice may result in acceleration of the sums secured by this Security Instrument and
sale of the Property; (v) Borrower's right to reinstate after acceleration; and (vi) Borrower's right to bring a
court action to deny the existence of a Default or to assert any other defense of Borrower to acceleration and
sale.

(b) Acceleration; Power of Sale; Expenses. If the Default is not cured on or before the date
specified in the notice, Lender may require immediate payment in full of all sums secured by this Security
Instrument without further demand and may invoke the power of sale and any other remedies permitted by
Applicable Law. Lender will be entitled to collect all expenses incurred in pursuing the remedies provided in
this Section 26, including, but not limited to: (i) reasonable attorneys' fees and/or trustees' fees and costs and
other fees and costs associated with the enforcement of this Security Instrument, including but not limited to,
foreclosure trustee's and sheriff's fees and costs, and title costs; (ii) property inspection and valuation fees;
and (iii) other fees incurred unless prohibited by Applicable Law for the purpose of protecting Lender's
interest in the Property and/or rights under this Security Instrument,

(¢) Notice of Sale; Sale of Property. if Lender invokes the power of sale, Lender will execute or
cause Trustee to execute a written notice of the occurrence of an event of Default and of Lender's election to
cause the Property to be sold and will cause such notice to be recorded in each county in which any part of
the Property is located. Lender or Trustee will give notice of sale in the manner prescribed by Applicable
Law to Borrower and to other required recipients. At  time permitted by, and in accordance with, Applicable
Law, Trustee, without further demand on Borrower, will sell the Property at public auction to the highest
bidder at the time and place and under the terms.designated in the notice of sale in one or more parcels and in
any order Trustee determines. Trustee may postpone sale of all or any parcel of the Property by public
announcement at the time and place of any prevrously scheduled sale. Lender or its designee may purchase
the Property at any sale, -,

(d) Trustee's Deed; Proceeds of Sale. Trustee will deliver to the purchaser a Trustee's deed
conveying the Property without any covenant or warranty, expressed or implied. The recitals in the Trustee's
deed will be prima facie evidence of the truth of the statements made in that deed. Trustee will apply the
proceeds of the sale in the following order, or as otherwise required by Applicable Law: (i) to all expenses of
the sale, including, but not limited to, reasonable Trustee's and reasonable attomeys' fees and costs; (i) to all
sums secured by this Security Instrument; and (jii) any excess to the person or persons legally entitled to it.

27. Reconveyance. Upon payment of all sums secured by this Security Instrament, Lender will
request Trustee to reconvey the Property and will surrender this Security Instrument and all Notes evidencing

Rocket Mortgage, LLC(NMLS#:3030)|Shexr The Wealth Inc DBA Bagy-Mortgage (NMLS #: 2443884)|
Michael Urnecli (NMLS #:1179480)

OREGON-Single Family--Fannic Mae/Freddie Mac UNIFORM INSTRUMENT Form 3038 07/2021

Modified for VA
253169 Page 19 of 22

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the debt secured by this Security Instrument to Trustee. Upon such request, Trustee will reconvey the
Property without warranty to the person or persons legally entitled to it. Such person or persons will pay any
recordation costs associated with such reconveyance. Lender may charge such person or persons a fee for
reconveying the Property, but only if the fee is paid to a third party (such as the Trustee) for services
rendered and the charging of the fee is permitted under Applicable Law.

28. Substitute Trustee. Lender may, from time to time, by itself or through the Loan Servicer, or
any other duly appointed agent or nominee of Lender, remove Trustee and appoint a successor trustee to any
Trustee appointed under this Security Instrument. Without conveyance of the Property, the successor trustee
will succeed to all the title, power, and duties conferred upon Trustee in this Security Instrument and by
Applicable Law.

29, Attorneys' and Others' Fees. Lender will be entitled to recover its reasonable attorneys' and/or
foreclosure trustees' fees and costs in any action or proceeding to construe or enforce any term of this
Security Instrument unless prohibited or restricted by Applicable:Law. The term "attorneys' fees," whenever
used in this Security Instrument, inciudes Wlthout limitation attorneys fees incurred by Lender in any
bankruptcy or appellate proceeding.

30. Protective Advances. This Security Instrument secures any advances Lender, at its discretion,
may make under Section 9 to protect Lender's interest in the Property and rights under this Security
Instrument, .

31. Required Evidence of Property lnsurance.

WARNING

Unless Borrower provides Lender with evidence of the insurance coverage as
required by this contract or loan agreement, Lender may purchase insurance at Borrower's
expense to protect Lender's interest. This insurance may, but need not, also protect
Borrower's interest. If the collateral becomes damaged, the coverage Lender purchases may
not pay any claim Borrower makes or any claim made against Borrower. Borrower may
later cancel this coverage by pfovrdmg evidence that Borrower has obtained property
coverage elsewhere. -

Borrower is responsible for the cost of any insurdnce purchased by Lender. The
cost of this insurance may be added-to this contract or Borrower's loan balance. If the cost
is added to this contract or Borrower's loan balance, the interest rate on the underlying
contract or loan will apply to this added amount. The effective date of coverage may be the
date Borrower's prior coverage. lapsed or. the date Borrower failed to provide proof of
coverage. _ :

The coverage Lender purchases may be considerably more expensive than
insurance Borrower can obtain on their own and may not satisfy any need for property

damage coverage or any mandatory liability insurance reqmrements 1rnposed by Applicable
Law. - .

Rocket Mortgage, LLC(NMLS#: 3030)|Sher The Wealth Inc DBA Easy-Mortgage (NMLS #: 2443884)|
Michael Urnecli (NMLS #: 1179480)

OREGON-Single Family—Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3038 07/2021

Modified for VA
EX 25316.9 Page 20 of 22

B e

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3581381297

BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this
Security Instrument and in any Rider signed by Borrower and recorded with it.

2-A7A02 ¢,

C. Lawson - DATE -«

L2402

Virgil Lawson Jr -~ DATE -

« BORROWER -~ Charissg

- BORROWER -

Rocket Mortgage, LLC(NMLS#: 3030)|Sher The Wealth Inc DBA Easy-Mortgage (NMLS #: 2443884) |

Michael Urnecli (NMLS # 1175480}

OREGON--Single Family--Fannie Mae/Freddie Mac UNSFORM INSTRUMENT Form 3038 07/2021
Modified for VA

&8 253169 Page 21 of 22

el et et ad

(1103581381297002020002330664953a-b14e-49ca-b8b1-ae06e35681062122

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[Space Below This Line for Acknowledgment|

State of Oregon
County of /S Zg.‘z‘ A ;t L

This record was acknowledged beifore me on Pebruary 27, 2026 by Charisse C. Lawson, as
an individual; and Virgil Lawson Jr, as an individual.

Notary Public

My Commission Expires: :3_/) /‘,24"):2 <
A

OFFICIAL STAMP
NEIL RUBENS
NOTARY PUBLIC - OREGON

. COMMISSION NO. 1055819
MY COMMlSStON EXPIRES MARCH 03, 2029

Individual Loan Originator: Michael Urnecli, NMLSRID:1179480

Loan Originator Organization: Sher The Wealth ZInc DBA Easy-Mortgage, NMLSR ID:
2443884

Individual Loan Originator (Creditor): , NMLSR [D:

Loan Originator Organization (Creditor): Rocket Mortgage, LLC, NMLSRID: 3030

Rocket Mortgage, LLC(NMLS # 3030)|Sher The Wealth Inc DBA Easy-Mortgage (NMLS #:2443884)]
Michael Urnecli (NMIL.S #: 1175480)

OREGON--Single Family--Fannic Mae/Freddie Mac UNIFORM INSTRUMENT Form 3038 07/2021

- Modified for VA
&8 253169 Page 22 of 22

B Dt et O A e W R

Q10358138128700202000233b664853a-b11e-49ca-bBb1-ae06e35e¢81062222

V.A. GUARANTEED LOAN AND ASSUMPTION POLICY RIDER

NOTICE: THIS LOAN IS NOT ASSUMABLE
WITHOUT THE APPROVAL OF THE
DEPARTMENT OF VETERANS AFFAIRS OR
ITS AUTHORIZED AGENT.

Lawson

Loan#: 3581381297

MIN: 100039035813812970
Case #:48-48-6-0587256

THIS V.A. GUARANTEED LOAN AND ASSUMPTION POLICY RIDER is made this 27th
day of February, 2026, and is incorporated into and amends and supplements the Mortgage,
Mortgage Deed, Deed of Trust, or Security Deed (herein "Security Instrument") dated of even date
herewith, given by the undersigned (herein "Borrower") to secure Borrower's Note to Rocket
Mortgage, LLC (herein "Lender") and covering the property described in the Security
Instrument and located at 5152 Aster Ln,Klamath Falls, OR 97601 (Property Address).

V.A. GUARANTEED LOAN COVENANT: In addition to the representations, warranties,

covenants, and agreements made in the Security Instrument, Borrower and Lender further covenant
and agree as follows:

Rocket Mortgage, LLC(NMLS#: 3030)|Sher The Wealth Inc’ DBA Easy-Mortgage (NMLS #: 2443884)]
Michael Urnecli (NMLS #: 1179480)

VA GUARANTEED LOAN AND ASSUMPTION POLICY RIDER
53.47 Page | of 3

b i e Jnd )

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3581381297

If the indebtedness secured hereby be guaranteed or insured under Title 38, United States Code,
such Title and Regulations issued thereunder and in effect on the date hereof will govern the rights,
duties and liabilities of Borrower and Lender. Any provisions of the Security Instrument or other
instruments executed in connection with said indebtedness which are inconsistent with said Title or
Regulations, including, but not limited to, the provision for payment of any sum in connection with
prepayment of the secured indebtedness and the provision that the Lender may accelerate payment
of the secured indebtedness pursuant to Covenant 19 of the Security Instrument, are hereby
amended or negated to the extent necessary to conform such instruments to said Title or
Regulations.

LATE CHARGE: At Lender's option, Borrower will pay a "late charge” not exceeding Four
percent (4.000%) of the overdue installment (principal, interest, and escrow for taxes and
insurance) when paid more than Fifteen (15) days after the due date thereof to cover the extra
expense involved in handling delinquent payments, but such "late charge" will not be payable out
of the proceeds of any sale made to satisfy the indebtedness secured hereby, unless such proceeds
are sufficient to discharge the entire indebtedness and all proper costs and expenses secured hereby.

GUARANTY: Should the Department of Veterans Affairs fail or refuse to issue its guaranty in full
amount within 60 days from the date that this ioan would normally become eligible for such
guaranty committed upon by the Department of Veterans Affairs under the provisions of Title 38 of
the U.S. Code "Veterans Benefits," the Mortgagee may declare the indebtedness hereby secured at
once due and payable and may foreclose immediately or may exercise any other rights hereunder or
take any other proper action as by law provided.

TRANSFER OF THE PROPERTY Thrs ioan may be declared immediately due and payable
upon transfer of the property securing such loan to any transferee, unless the acceptability of the
assumption of the loan is established pursuant 0. 38 U.S.C. 3714.

An authorized transfer ("assumption") of the property will also be subject to additional covenants
and agreements as set forth below:

(a) ASSUMPTION FUNDING FEE A fee equal to one-half of one percent of the balance
of this loan as of the date of transfer of the. propertyshall be payable at the time of transfer to the
loan holder or its authorized agent, as trustee for the VA. If the assumer fails to pay this fee at the
time of transfer, the fee shall constitute an additional debt to that already secured by this
instrument, shall bear interest at the rate herein provided, and at the option of the payee of the
indebtedness hereby secured or any transferee thereof, shall be immediately due and payable. This
fee is automatically waived if the assumer is exempt under. the provisions of 38 U.S.C. 3729(c).

(b) ASSUMPTION PROCESSING CHARGE: Upon application for approval to allow
assumption and transfer of this loan, a processing fee may be charged by the loan holder or its
authorized agent for determining the creditworthiness of the assumer and subsequently revising the
holder's ownership records when an approved transfer is completed. The amount of this charge

Rocket Mortgage, LLC (NMLS #: 3030)}Sher The Wealth Inc DaA Easy-Mortgage (NMLS #: 2443884)|
Michael Urnecli (NMLS #:1179480)

VA GUARANTEED LOAN AND ASSUMPTION POLICY RIDER
& 53.47 " Page2of3

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Q103581381297002020001 256dbde'5b 7-7d8a-4f38-9bf8-b307b3c0511H0203

3581381297

shall not exceed the maximum establishicd by the VA for a Joan to which 38 U.S.C. 3714 applies.

(c) ASSUMPTION INDEM®MNITY LIABILITY: If this obligation is assumed, then the
assumer hereby agrees to assume all of the obligations of the Veteran under the terms of the
instruments creating and securing the loan. The assumer further agrees to indemnify the VA to the
extent of any claim payment arising from ?"o guaranty or insurance of the indebtedness created by
this instrument.

IN WITNESS WHEREOQOF, Borrower(s) has executed this V.A. Guaranteed Loan and Assumption

| 25T doxe

- BORROWER - Charisse C. Lawson - DATE -

Policy Rider.

Rocket Mortgage, LLC{NMLS4#: 3030}|Sher The Wealth Inc DA Easy-Mortgage (NMLS #: 2443884)
Michael Urpnecli (NMLS#: 1172480

VA GUARANTEED LOAN AND ASSUMPTION POLICY RIDER
X 53.47 Page 3 of 3

HER A AR i 4 ([

Q103581381207002020001256dbd2507-7d8a-4198-9b18-b307b3c05 10303

MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. RIDER
(MERS Rider)

Lawson

Loan#: 3581381297

MIN: 100039035813812970
Casé #: 48-48-6-0587256

THIS MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. RIDER ("MERS
Rider") is made this 27th day of February, 2026, and is incorporated into and amends and
supplements the Deed of Trust or Mortgage Deed (the "Security Instrument") of the same. date
given by the undersigned (the "Borrower," whether there are one or more persons undersigned) to
secure Borrower's Note to Rocket Mortgage, LLC ("Lender") of the same date and covering
the Property déscribed in the Security Instrument, which is located at:

5152 Aster Ln, Klamath Falls, OR 97601
[Property Address]

In addition to the representations, warranties, covenants, and agreements made in the. Securrty
Instrument, Borrower and Lender further covenant and agree that the Security Instrument is
amended as follows:

A. DEFINITIONS

1. The DEFINITIONS section of the Security Instrument is amended as follows:

Rocket Mortgage, LLC(NMLS#: 3030)|Sher The Wealth Inc DBA Easy-Mortgage (NMLS #: 2443884) |
Michael Urnecli (NMLS #: 1175480)

MERS RIDER - SingleFamily - Fannie Mae/F reddre Mae¢ UNIFORM INSTRUMENT

‘Form 3158 07/2021
25444 .4 Page 1 of 6

?;‘r??@@t?b&l??i&d[?’ih?ik?‘&ll Il

Q10358138129700202002098e 1 82f3=4-50f0-4437-8ae7-92bSaa254b1 60106

»

3581381297

"Lender" is Rocket Moxrtgage, LLC. Lenderisalimited Liability
Company organized and existing under the laws of the State of Michigan.
Lender's address is 1050 Woodward Ave, Detroit, MI 48226-1906. Lenderis
the beneficiary under this Security Instrument. The term "Lender” includes any successors
and assigns of Lender.

"MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate
corporation that is the Nominge for Lender and is acting solely for Lender. MERS is
organized and existing under the laws of Delaware, and has an address and telephone
number of P.O. Box 2026, Flint; MI 48501-2026, tel. (888) 679-MERS. MERS is
appointed as the Nominee for Lender to exercise the rights, duties, and obligations of
Lender as Lender may from time to time direct, including but not limited to appointing a
successor trustee, assigning, or releasing, in whole or in part this Security Instrument,
foreclosing or directing Trustee to institute foreclosure of this Security Instrument, or
taking such other actions as Lender may deem necessary or appropriate under this Security
Instrument, The term "MERS" includes any successors and assigns of MERS. This
appointment will inure to and bind MERS, its successors and assigns, as well as Lender,
until MERS' Nominee interest is terminated.

2. The DEFINITIONS section of the Security Instrument is further amended to add the
following definition:

"Nominee" means one deslgnated to act for another as its representative for a
limited purpoese. = s

B. TRANSFER OF RIGHTS IN THE PROPERTY

The TRANSFER OF RIGHTS IN THE PROPERTY section of the Security Instrument is
amended to read as follows: . o _

This Security Instrument secures to Lender (i) the repayment of the Loan, and all
renewals, extensions, and modifications of the Note, and (ii) the performance of Borrower's
covenants and agreements under this Security Instrument and the Note. For this purpose,
Borrower irrevocably grants and conveys to Trustee, in trust, with power of sale, the
following described property located in the COUNTY [Type of Recording Jurisdiction] of
Klamath [Name of Recording Jurisdiction]:

See Exhibit "AY- Legal Descr:.pt1 on Hereto and Made a Part

Rocket Mortgaga, LLC(NMLS# 3030)fSher The Wealth Inc DBA Easy-Mortgage (NMLS#: 2443884)]
Michael Urnecli (NMLS # 1179480)

MERS RIDER - SingleFamily - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT

Form 3158 07/2021
25444 .4 Page 2 of 6

B BTN M |

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3581381297

Hereof. Subject to Covenants of Record.
which currently has the address of 5152 Aster Ln, Klamath Falls, OR
97601 ("Property Address™),

TOGETHER WITH all the improvements now or subsequently erected on the
property, including replacements and additions to the improvements on such property, all
property rights, including, without limitation, all easements, appurtenances, royalties,
mineral rights, oil or gas rights or profits, water rights, and fixtures now or subsequently a
part of the property. All of the foregolng is referred to in this Security Instrument as the
"PI'OpeI’ty "

Lender, as the beneficiary under this Security Instrument, designates MERS as the
Nominee for Lender. Any notice required by Applicable Law or this Security Instrument to
be served on Lender must be served on MERS as the designated Nominee for Lender.
Borrower understands and agrees that MERS, as the designated Nominee for Lender, has
the right to exercise any or all interests granted by Borrower-to Lender, including, but not
limited to, the right to foreclose and sell the Property; and to take any action required of
Lender including, but not limited to, assigning and releasing this Security Instrument, and
substituting a successor trustee.

C. NOTICES; BORROWER'S PHYSICAL ADDRESS
Section 16 of the Security Instrument is amended to read as follows:

16. Notices; Borrower's Physical Address. All notices given by Borrower or
Lender in connection ‘with this.Security Instrument must be in writing.

(a) Notices to Borrower. Unless Applicable Law requires a different method, any
written notice to Borrower in connection with this Security Instrument will be deemed to
have been given to Borrower when (i) mailed by first class mail, or (ii) actually delivered
to Borrower's Notice Address (as defined in Section 16(c) below) if sent by means other
than first class mail or Electronic Communication (as defined in Section 16(b) below).
Notice to any one Borrower will constitute notice to all Borrowers unless Applicable Law
expressly requires otherwise. If’ any notice to Borrower required by this Security
Instrument is also required under Applicable Law, the Applicable Law requirement will
satisfy the corresponding requirement under this Security Instrument.

(b) Electronic Notice to Borrower. Unless another delivery method is required by
Applicable Law, Lender may provide notice to Borrower by e-mail or other electronic
communication ("Electronic Communication") if: (i) agreed to by Lender and Borrower in
writing; (ii) Borrower has provided Lender with Borrower's e-mail or other electronic
address ("Electronic Address"); (1ii) Lender provides Borrower with the option to receive

Rocket Mortgage, LLC (NMLS#: 3030)|Sher The Wealth Ine DBA Easy-Mortgage (NMLS#: 2443884)|
Michael Urnecli (NMLS# 11738480)

MERS RIDER - SingleFamily - Fannie Mae/Fredd:e Mac UNIFORM INSTRUMENT

Form 3158 07/2021
EX 25444 .4 Page 3 of 6

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notices by first class mail or by other non-Electronic Communication instead of by
Electronic Communication; and (iv) Lender otherwise complies with Applicable Law. Any
notice to Borrower sent by Electronic Communication in connection with this Security
Instrument will be deemed to have been given to Borrower when sent unless Lender
becomes aware that such notice is not delivered. If Lender becomes aware that any notice
sent by Electronic Communication is not delivered, Lender will resend such
communication to Borrower by first class mail or by other non-Electronic Communication.
Borrower may withdraw the agreement to receive Electronic Communications from Lender
at any time by providing written notice to Lender of Borrower's withdrawal of such
agreement. .

(c) Borrower's Notice Address. The address to which Lender will send Borrower
notice ("Notice Address") will be the Property Address unless Borrower has designated a
different address by written notice to Lender. If Lender and Borrower have agreed that
notice may be given by Electronic Communication, then Borrower may designate an
Electronic Address as Notice Address. Borrower will promptly notify Lender of Borrower's
change of Notice Address, including any changes to Borrower's Electronic Address if
designated as Notice Address. If Lender specifies a procedure for reporting Borrower's
change of Notice Address, then Borrower will report a change of Notice Address only
through that specified procedure.

(d) Notices to Lender. Any notice to Lender will be given by delivering it or by
mailing it by first class mail to Lender's address stated in this Security Instrument unless
Lender has designated another address (including an Electronic Address) by notice to
Borrower. Any notice in connection with this Security Instrument will be deemed to have
been given to Lender only when actually received by Lender at Lender's designated address
(which may include an Electronic Address). If any notice to Lender required by this
Security Instrument is alsoirequired under Applicable Law, the Applicable Law
requirement will satisfy the corresponding requirement under this Security Instrument.

Borrower acknowledges that any notice Borrower provides to Lender must also be
provided to MERS ‘as Nominee for Lender until MERS' Nominee interest is terminated.
Any notice provided by Borrower in connection with this Security Instrument will be
deemed to have been given to MERS only when actually received by MERS.

(e) Borrower's Physical Address. In addition to the designated Notice Address,
Borrower will provide Lender with the address where Borrower physically resides, if
different from the Property Address, and notify Lender whenever this address changes.

D. SALE OF NOTE

Rocket Mortgage, LLC(NMLS#:3030)|Sher The Wealth Inc DBA Easy-Mortgage (NMLS #: 2443884)|
Michael Uzrnecli (NMLS#:1179480)° :

MERS RIDER - SingleFamily - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT

Form 3158 07/2021
25444 4 Page 4 of 6

B M Tt N |

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3581381297

Section 21 of the Security Instrument is ainended to read as follows:

21. Sale of Note. The Note or a partial interest in the Note, together with this
Security Instrument, may be sold or otherwise transferred one or more times. Upon such a
sale or other transfer, all of Lender's rights and obligations under this Security Instrument
will convey to Lender's successors and assigns. Lender acknowledges that until it directs
MERS to assign MERS's Nominee interest in this Security Instrument, MERS remains the
Nominee for Lender, with the authority to exercise the rights of Lender.

E. SUBSTITUTE TRUSTEE

-

Section 28 of the Sccurity Instrument is amended to read as follows:

28. Substitute Trustee. In accordance with Applicable Law, Lender or MERS
may from time to time appoint a successor trustee to any Trustee appointed hereunder who
has ceased to act. Without conveyance of the Property, the successor trustee will succeed to
all the title, power, and duties conferred upon Trustee and by Applicable Law.

Rocket Mortgage, LLC(NMLS# 3030)|Sher The Wealth Inc DBA Easy-Mortgage (NMLS#: 2443884)|
Michael Urnecli (NMLS #: 1175480)

MERS RIDER - SingleFamily - Fannie Mae/Freddre Mac UNIFCRM INSTRUMENT
Form 3158 07/2021
EXl 25444.4 Page 5 of 6

e R T |

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3581381297

BY SIGNING BELOW, Borrower accepis and agrees to the terms and covenants contained in this

MERS Rider.

- BORROWER - Charisse ¢C. Lawson - DATE -

2 -27-20.2¢

- BORROWER /< Virgil Lawson Jr - DATE -

Rocket Mortgage, LLC{NMLS# 3030)|Sher The Wealth Inc DBA Easy-Mortgage (NMLS #:2443884)|
Michael Urnecli (NMLS#:1179480)

MERS RIDER - SingleFamily - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
Form 3158 07/2021
B4 254444 Page 6 of 6

LSy R ]

Q1035813681287002020020982182f3e4-5c10-4437-8a67-9205aa254b 160606

ADJUSTABLE RATE RIDER
(One-Year Treasury Index-Rate Caps)

Lawson,

Loan#: 3581381297

MIN: 100039035813812970
Case #: 48-48-6-0587256

THIS ADJUSTABLE RATE RIDER is made this 27th day of Febxruary, 2026, and
is incorporated intc and amends and supplements the Mortgage, Mortgage Deed, Deed of Trust, or
Security Deed (the "Security Instrument") of the same date given by the undersigned (the
"Borrower") to securc Borrower's Adjustable Rate Note (the "Note") to Rocket Mortgage,
LLC (the "Lender") of the same date and covering the property described in the Security Instrument
and located at:

5152 Aster Ln, Klamath Falls, OR 97601
[Property Address]

THE NOTE CONTAINS PROVISIONS ALLOWING FOR
CHANGES IN THE INTEREST RATE AND THE MONTHLY
PAYMENT. THE NOTE LIMITS THE AMOUNT THE
BORROWER'S ADJUSTABLE INTEREST RATE CAN
CHANGE AT ANY ONE TIME AND THE MINIMUM AND
MAXIMUM RATES THE BORROWER MUST PAY.

Rocket Mortgage, LLC{(NMLS? 3030)|Sher The Wealt:h Inc DBA Easy-Mortgage (NMLS#: 2443884)]
Michael Urnecli (NMLS#:1179480) S . L

VA MULTISTATE ADJUSTAELE RATE RIDER 07/2021

e

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EX 25964.8

3581381297

ADDITIONAL COVENANTS. In addition to the representations, warranties, covenants,
and agreements made in the Security Instrument, Borrower and Lender further covenant and agree
as follows:

A.INTEREST RATE AND MONTHLY PAYMENT CHANGES

The Note provides for monthly payments of interest and a portion of the principal

("Monthly Payment") and an initial interest rate of 4 .375%. The Note provides for

changes in the interest rate and the Monthly Payments as follows:

4. INTEREST RATE AND MONTHLY PAYMENT CHANGES
(A) Change Dates

The interest rate 1 will pay may change on the first day of July, 2031,
and on the first day of the month every 12th month thereafter. Each date on which
my interest rate could change is called a "Change Date."”

(B) The Index

Beginning with the first Change Date, my interest rate will be based on an
Index that is calculated and previded to the general public by an administrator (the
"Administrator"). The "Index" is the weekly average yield on United States Treasury
securities adjusted to a constant maturity of one year, as made available by the
Board of Governors of the Federal Reserve System. The most recent Index value
available as of the date 45 days before each Change Date is called the "Current
Index." provided that if the Current Index is less than zero, then the Current Index
will be deemed to be zero for purposes of calculating my interest rate.

If the Index is no longer available, it will be replaced in accordance with
Section 4(G) below.

(C) Calculation of Changes

Before each Change Date, the Note Holder will calculate my new interest
rate by adding Two percentage points (2. 000%) (the "Margin") to the Current
Index. The Margin may change'if the Index is replaced by the Note Holder in
accordance with Section 4(G)(2) below. The Note Holder will then round the result
of the Margin plus the Current Iadex to the nearest one-eighth of one percentage
point (0.125%). Subject to the limits stated in Section 4(D) below, this rounded
amount will be my new interest rate until the next Change Date.

The Note Holder will then determine the amount of the Monthly Payment
that would be sufficient to repay the unpaid Principal that I am expected to owe at
the Change Date on the Maturity Date at my new interest rate in substantially equal
payments. The resuit of this calculation will be the new amount of my Monthly
Payment.

Rocket Mortgage, LLC(NMLS #:3030)jSher The Wealth Inec DBA Eaey—uortgage (NMLS #: 2443884) |
Michael) Urnecli (NMLS#: 1179480) .

VA MULTISTATE ADJUSTABLE RATE RIDER : 07/2021

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(D) Limits on Interest Rate Changes

The interest rate J am required to pay at the first Change Date will not be
greater than 5.375% or less than 3 . 375%: Thereafter, my-interest rate will never
be more than One percentage point(s) (1. 000%) from the rate of interest I have
been paying for the preceding 12 months. My interest rate will never be more than
Five percentage point(s) (5..000%) higher or lower than the initial rate.

(E) Effective Date of Changes :

My new interest rate will become effective on each Change Date. 1 will pay
the amount of my new Monthly Payment beginning on the first Monthly Payment
date after the Change Date until the amount of my Monthly Payment changes again.
(F) Notice of Changes :

The Note Holder wili deliver or mail to me a notice of any changes in my
interest rate and the amount of my Monthly Payment before the effective date of any
change. The notice will include information required by law to be given to me and
also the title and telephone number of a person who will answer any question I may
have regarding the notice.

(G) Replacement Index and Replacement Margin

The Index is deemed to be no longer available and will be replaced if any of
the following events (each, a "Replacement Event") occur: (i) the Administrator has
permanently or indefinitely stopped providing the Index to the general public; or (ii)
the Administrator or its regulator issues an official public statement that the Index is
no longer reliable or representative.

If a Replacement, ]'E,vent occurs, the Note Holder will select a new index (the
"Replacement Index") and may also select a new margin (the "Replacement
Margin™"), as follows: '

(HIfa replacement index has been selected or recommended for
use in consumer products, including residential adjustable-rate
moritgages, by the Board of Governors of the Federal Reserve System,
the Federal Reserve Bank of New York, or a committee endorsed or
convened by the Board of Governors of the Federal Reserve System or
the Federal Reserve Bank of New York at the time of a Replacement
Event, the Note Holder will select that index as the Replacement Index.

(2) If a replacement index has not been selected or recommended
for use in consumer products under Section (G)(1) at the time of a
Replacement Event, the Note Holder will make a reasonable, good faith
effort to select a Replacement Index and a Replacement Margin that,
when added together, the Note Holder reasonably expects will minimize

Rocket Mortgage, LLC(NMLS# 3030)| Sher The Wealth Inc DBA Easy-Mortgage (NMLS #: 2443884)]
Michael Urnecli (NMLS#: 1179480) .

VA MULTISTATE ADJUSTABLE RATE RIDER ‘ 07/2021

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EX] 25964.8

3581381297

any change in thé cost of the loan, taking into account the historical
performance of the Index and the Replacement Index.

The Replacement Index and Replacement Margin, if any, will be operative
immediately upon a Replacement Event and will be used to determine my interest
rate and Monthly Payments on Change Dates that are more than 45 days after a
Replacement Event. The Index and Margin could be replaced more than once during
the term of my Note, but only if another Replacement Event occurs. After a
Replacement Event, all references to the "Index" and "Margin" will be deemed to be
references to the "Replacement Index" and "Replacement Margin."

The Note Holder will also give me notice of my Replacement Index and
Replacement Margin, if any, and such other information required by applicable law
and regulation.

B. TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST IN
BORROWER
Section 19 of the Security Instrument is amended to read as follows:

Transfer of the Property or a Beneficial Interest in Borrower. For the
purposes of this Section 19 only, "Interest in the Property” means any legal or
beneficial interest in the Property, including, but not limited to, those beneficial
interests transferred in a bond for deed, contract for deed, installment sales contract,
or escrow agreement, the intent of which is the transfer of title by Borrower to a
purchaser at a future date.

If all or any part of the Property or any Interest in the Property is sold or
transferred (or if Borrower is not a natural person and a beneficial interest in
Borrower is sold or transferred) without Lender's prior written consent, Lender may
require immediate payment in full of all sums secured by this Security Instrument.
However, Lender will not exercise this option if such exercise is prohibited by
Applicable Law. The loan may also be declared immediately due and payable if
Borrower transfers Borrower's liability under this loan by assumption unless the
acceptability of the assumption and transfer of this loan is established by the
Department of Veterans Affairs or its authorized agent pursuant to Section 3714 of
Chapter 37, Title 38, United States Code.

Rocket Mortgage, LLC (NMLS#: 3030)|sher The Wealth Inc DBA Easy-Mortgage (NMLS #: 2443884)|
Michael Urnecli (NMLS #:1179480)

VA MULTISTATE ADJUSTABLE RATE RIDER 07/2021

e e R I

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Bl 25964.8

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If Lender exercises this option to require immediate payment in full, Lender
will give Borrower notice of acceleration. The notice will provide a period of not
less than 30 days from the date the notice is given in accordance with Section 16
within which Borrower must pay all sums secured by this Security Instrument. If
Borrower fails to pay these sums prior to, or upon, the expiration of this period,
Lender may invoke any remedies permitted by this Security Instrument without
further notice or demand on Borrower and will be entitled to collect all expenses
incurred in pursuing such remedies, including, but not limited to: (a) reasonable
attorneys' fees and costs; (b) property inspection and valuation fees; and (c¢) other
fees incurred to protect Lender's Interest in the Property and/or rights under this
Security Instrument.

BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained
in this Adjustable Rate Rider.

- BORROWER - Charisse C. Lawson - DATE -

2-27-2062¢,

- Virgil Lawson Jr - DATE -

Rocket Mortgage, LLC (NMLS#: 3030)|Sher The Wealth Inc DBA Easy-Mortgage (NMLS#:2443884)|
Michael Urnecli (NMLS # 1179480)

VA MULTISTATE ADJUSTABLE RATE RIDER 07/2021

EXl 25964.8

Page 50of 5

B Aot KRR

Q1035813812970020200047043028b2f-84d2-44a9-ba85-acab4fdf7 1690505

Order #840456

Exhibit A Legal Description
All that property situate in the County of Klamath and State of Oregon described as:

Lot 2 in Tract 1508-The Gardens, Phase 1, according to the Official plat thereof on file in the Office of the
County Clerk, Klamath County, Oregon.

Being the same property conveyed to Charisse C. Lawson and Virgil Lawson Jr., with right of survivorship
by Mariano Adlai Segura and Hanna Paulette Segura, as tenants by the entirety, in deed dated 6/9/2025
recorded 6/11/2025 as Instrument No. 2025-004461 in the County of Klamath and State of Oregon.
More commonly known as: 5152 Aster Lane, Klamath Falls, OR 97601

Parcel/Tax I1D: 3908-001AB-01600