Carrington Mortgage Services, LLC v. Robert A. Blizzard

IN THE DISTRICT COURT WITHIN AND FOR TULSA COUNTY STATE OF OKLAHOMA CARRINGTON MORTGAGE SERVICES, LLC, Plaintiff, -vs- ROBERT A. BLIZZARD; SPOUSE, IF ANY, OF ROBERT A. BLIZZARD; UNITED STATES OF AMERICA EX REL SECRETARY OF HOUSING AND URBAN DEVELOPMENT; LONGVIEW LAKE ASSOCIATION, INC.; BARCLAYS BANK DELAWARE; OCCUPANT(S) OF THE PREMISES; Defendants. PETITION COMES NOW Carrington Mortgage Services, LLC (herein: "Plaintiff"), and for its causes of action against the above-named defendants, alleges and states as follows: 1. Plaintiff was at all times and is duly authorized to bring this action. 2. That Robert A. Blizzard (herein: "Borrower"), is obligated on a certain promissory note and mortgage described below. 3. Borrower, for good and valuable consideration, made, executed, and delivered to BROOKSIDE MORTGAGE LLC dba EXPRESS MORTGAGE OF TULSA, the original lender and Plaintiff's predecessor in interest, a certain written promissory note which is the subject of this action (herein: "Note"). A true and correct copy of the Note is attached hereto as Exhibit "A." a. The Note is dated March 30, 2009; b. The Note is made in the amount of $122,100.00; c. The Note establishes an annual fixed interest rate of 5.500%; and d. The Note is indorsed in blank. 4. As part of the same loan transaction, and in order to secure the payment of the loan made, Borrower made, executed, and delivered to Mortgage Electronic Registration Systems, Inc., as nominee for BROOKSIDE MORTGAGE LLC dba EXPRESS MORTGAGE OF TULSA, the original lender of the Note and Plaintiff's predecessor in interest, a mortgage and conveyed the mortgage to the mortgagee (herein: "Mortgage"). The mortgage encumbers the following property: (herein: "Property") with a common address 2917 S 98th E Ave, Tulsa, OK 74129. A true and correct copy of the Mortgage is attached as Exhibit "B." a. The Mortgage is dated March 30, 2009; b. Robert A. Blizzard, a married person, and Patricia Blizzard, his wife, signed the Mortgage; and c. The Mortgage was recorded in the Tulsa County Clerk’s Office on April 8, 2009, at Instrument No. 2009033176. 5. In addition to the Note and Mortgage described above, Borrower received and executed a Loan Modification. A true and correct copy of the Loan Modification is attached as an addendum to the Mortgage at Exhibit “C.” a. The Loan Modification recorded on October 29, 2013, at Instrument No. 2013107982, extended the maturity date and added capitalized interest and other amounts to the principal balance. b. The Loan Modification recorded September 2, 2025, at Instrument No. 2025077161, added capitalized amounts to the principal balance, extended the maturity date, and increased the interest rate to 7.125% 6. Borrower and Patricia Blizzard subsequently divorced as evidenced by the unrecorded Decree of Dissolution of Marriage filed in Tulsa County District Court Case No. FD-2009-2489. 7. By virtue of Warranty Deed, Borrower is the present record owners of the subject Property. The Warranty Deed was recorded with the Tulsa County Clerk's Office on January 29, 2007, at Instrument No. 2007009989. 8. The Borrower is obligated on the subject Note and has not been released from liability thereon. 9. Borrower filed for Chapter Seven (7) Bankruptcy in the United States Bankruptcy Court for the Northern District of Oklahoma, Case No. 4:2024bk11495. Borrower's personal liability on the subject Note has been discharged. 10. The Mortgage encumbers the real estate along with all the improvements, easements, appurtenances, and fixtures from the date of the execution to present and hereafter, as well as all replacements and additions to the Property. Mortgage, Ex. B. 11. Plaintiff is entitled to enforce the Note in accordance with OKLA. STAT. TIT. 12A, §3-301. 12. Plaintiff has complied with all the terms and conditions of the Note and Mortgage. 13. Borrower is in default. The default claimed is failure to make payment, and the default date is October 1, 2025. The default has not been cured by any available means. 14. The Note and Mortgage provide that if default is made as to any of the terms of the Note and Mortgage by Borrower, or if Borrower fails to perform any of the other obligations described in the Note and Mortgage, that the entire unpaid principal, interest, and all other sums allowed and secured by the Note and Mortgage, shall become due and payable at the option of the Plaintiff. Further, in response to Borrower’s default, Plaintiff is entitled to foreclose the mortgage to recover all amounts due, and to have the Property sold and all proceeds applied to the payment of the entire indebtedness described, allowed, and secured by the Note and Mortgage. 15. Plaintiff has made demand and has accelerated this loan in accordance with the Note, Mortgage, and applicable law. 16. As a necessary measure in the furtherance of enforcing this Note and Mortgage, Plaintiff has incurred costs, which are a further lien upon the Property secured by the Mortgage. 17. The Note and Mortgage provide that the attorney fees incurred by Plaintiff in the enforcement of the Note and Mortgage are the responsibility of Borrower and constitute a further lien on the Property secured by the Mortgage. 18. After consideration of all credits to this loan account, Plaintiff is due the sum of $107,651.07 in unpaid principal balance, with 7.125% interest per annum thereon, or as adjusted by the Note and Mortgage, from September 1, 2025, until paid; and all other costs of this action including title costs, late fees, NSF fees, escrow advances, corporate advances, property preservation costs, attorney fees, and all costs and fees associated with the furtherance of this action, which is a first, prior, and superior lien on the Property. 19. Borrower may claim some right, title, lien, estate, encumbrance, claim, assessment, or other interest in the Property by virtue of a possible homestead interest which they may have or claim to have in the Property. 20. With respect to the additional defendants, Plaintiff alleges as follows: a. Additional defendant, Spouse, if any, of Robert A. Blizzard, may claim some right, title, lien, estate, encumbrance, claim, assessment, or interest in and to the Property, by virtue of any possible homestead interest which he/she may have or claim to have in or to the Property. b. Additional defendant, United States of America ex rel Secretary of Housing and Urban Development, may claim some right, title, lien, estate, encumbrance, claim, assessment, or interest in and to the Property, by virtue of Partial Claims Mortgage recorded at the Tulsa County Clerk’s Office on October 8, 2024, at Instrument No. 2024081190; and on August 29, 2025, at Instrument No. 2025076838. c. Additional defendant, Longview Lake Association, Inc., may claim some right, title, lien, estate, encumbrance, claim, assessment, or interest in and to the Property, by virtue of a lien recorded at the Tulsa County Clerk’s Office on August 7, 2016, at Instrument No. 2016076505. d. Additional defendant, Barclays Bank Delaware, may claim some right, title, lien, estate, encumbrance, claim, assessment, or interest in and to the Property, by virtue of Statement of Judgment recorded at the Tulsa County Clerk’s Office on June 21, 2024, at Instrument No. 2024049789. e. Additional defendants, Occupant(s), if any, of the Premises, whose true and correct legal identities are unknown to the Plaintiff at this time, may claim some right, title, lien, estate, encumbrance, claim, assessment, or interest in and to the Property, by virtue of occupancy of the Property. f. Plaintiff further asserts that any right, title, lien, estate, encumbrance, claim assessment, or interest claimed by any defendant is subordinate and inferior to the mortgage lien claimed by Plaintiff. Plaintiff respectfully requests that each and every defendant claiming and interest in the Property be required to establish the claimed right herein or be barred forever for further asserting such a claim. WHEREFORE, Plaintiff prays for a judgment in rem against Borrower in the amount of $107,651.07, with 7.125% interest per annum thereon, or as adjusted by the Note and Mortgage, from September 1, 2025, until paid; all abstracting and title costs incurred by Plaintiff to enforce the Note and Mortgage; all late charges; NSF fees; escrow advances; corporate advances; taxes; insurance premiums; property preservation charges; attorney fees; and all fees and costs associated with this action as allowed by the Note and Mortgage. FURTHER, Plaintiff prays for judgment in rem against Borrower, the Property, the Premises, and all other defendants, awarding judgment as follows: All defendants have set out their purported claims to the Property or have waived their rights to do so. Plaintiff's mortgage is declared a first, prior, and superior lien on the Property as to all other claims asserted, and further declaring that Plaintiff is entitled to all amounts set forth herein. That Plaintiff is entitled to foreclose the Mortgage, and the Property shall be sold for cash and that sale shall be had with appraisement. The proceeds of the sale shall be applied first to the payment of the costs incurred herein, and then to the satisfaction of the judgment amount, Mortgage, and lien asserted by Plaintiff. That Plaintiff's Mortgage lien interest is prior, first, and superior to all other claims of defendants. That all right, title, claim, encumbrance, or interest claimed by any defendant shall be adjudged junior, inferior, and subject to Plaintiff's Mortgage lien. That upon confirmation of the sale, that all and each of the defendants herein, be forever foreclosed, barred, and enjoined from asserting claim of a right, title, estate, encumbrance, or other interest of any nature to the Property. Finally, Plaintiff prays for any and all further relief this Court deems just and equitable. Respectfully submitted, Sally E. Garrison, OBA #18709 Alex S. Rivera, OBA #32269 Amy R. Sullivan, OBA #35938 Dalton Woodring, OBA #36492 The Mortgage Law Firm, PLLC 421 NW 13th Street, Suite 300 Oklahoma City, OK 73103 Telephone: (405) 246-0602 Facsimile: (405) 698-0007 [email protected] [email protected] [email protected] [email protected] Attorneys for Plaintiff THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTE Multistate March 30, 2009 2917 S. 98th E. Ave. Tulsa, OKLAHOMA 74129 (Property Address) I. PARTIES "Borrower" means each person signing at the end of this Note, and the person's successors and assigns. "Lender" means BROOKSIDE MORTGAGE LLC dba EXPRESS MORTGAGE OF TULSA and its successors and assigns. 2. BORROWER'S PROMISE TO PAY; INTEREST In return for a loan received from Lender, Borrower promises to pay the principal sum of ONE HUNDRED TWENTY-TWO THOUSAND ONE HUNDRED AND NO/100 Dollars (U.S. $122,100.00), plus interest, to the order of Lender. Interest will be charged on unpaid principal, from the date of disbursement of the loan proceeds by Lender, at the rate of FIVE AND ONE HALF percent (5.500%) per year until the full amount of principal has been paid. 3. PROMISE TO PAY SECURED Borrower's promise to pay is secured by a mortgage, deed of trust or similar security instrument that is dated the same date as this Note and called the "Security Instrument." The Security Instrument protects the Lender from losses which might result if Borrower defaults under this Note. 4. MANNER OF PAYMENT (A) Time Borrower shall make a payment of principal and interest to Lender on the 1st day of each month beginning on May 1, 2009. Any principal and interest remaining on the 1st day of April, 2039, will be due on that date, which is called the "Maturity Date." (B) Place Payment shall be made at BROOKSIDE MORTGAGE LLC dba EXPRESS MORTGAGE OF TULSA 9226A So. Elwood Jenks, OKLAHOMA 74034 or at such place as Lender may designate in writing by notice to Borrower. (C) Amount Each monthly payment of principal and interest will be in the amount of U.S. $693.27. This amount will be part of a larger monthly payment required by the Security Instrument, that shall be applied to principal, interest and other items in the order described in the Security Instrument. (D) Allonge to this Note for payment adjustments If an allonge providing for payment adjustments is executed by Borrower together with this Note, the covenants of the allonge shall be incorporated into and shall amend and supplement the covenants of this Note as if the allonge were a part of this Note. (Check applicable box.) ☐ Graduated Payment Allonge ☐ Growing Equity Allonge ☐ Other (specify) 5. BORROWER'S RIGHT TO PREPAY Borrower has the right to pay the debt evidenced by this Note, in whole or in part, without charge or penalty, on the first day of any month. Lender shall accept prepayment on other days provided that Borrower pays interest on the amount prepaid for the remainder of the month to the extent required by Lender and permitted by regulations of the Secretary. If Borrower makes a partial prepayment, there will be no changes in the due date or in the amount of the monthly payment unless Lender agrees in writing to those changes. 6. BORROWER'S FAILURE TO PAY (A) Late Charge for Overdue Payments If Lender has not received the full monthly payment required by the Security Instrument, as described in Paragraph 4(C) of this Note, by the end of FIFTEEN calendar days after the payment is due, Lender may collect a late charge in the amount of FOUR percent (4.000%) of the overdue amount of each payment. (B) Default If Borrower defaults by failing to pay in full any monthly payment, then Lender may, except as limited by regulations of the Secretary in the case of payment defaults, require immediate payment in full of the principal balance remaining due and all accrued interest. Lender may choose not to exercise this option without waiving its rights in the event of any subsequent default. In many circumstances regulations issued by the Secretary will limit Lender's rights to require immediate payment in full in the case of payment defaults. This Note does not authorize acceleration when not permitted by HUD regulations. As used in this Note, "Secretary" means the Secretary of Housing and Urban Development or his or her designee. (C) Payment of Costs and Expenses If Lender has required immediate payment in full, as described above, Lender may require Borrower to pay costs and expenses including reasonable and customary attorneys' fees for enforcing this Note to the extent not prohibited by applicable law. Such fees and costs shall bear interest from the date of disbursement at the same rate as the principal of this Note. 7. WAIVERS Borrower and any other person who has obligations under this Note waive the rights of presentment and notice of dishonor. "Presentment" means the right to require Lender to demand payment of amounts due. "Notice of dishonor" means the right to require Lender to give notice to other persons that amounts due have not been paid. 8. GIVING OF NOTICES Unless applicable law requires a different method, any notice that must be given to Borrower under this Note will be given by delivering it or by mailing it by first class mail to Borrower at the property address above or at a different address if Borrower has given Lender a notice of Borrower's different address. Any notice that must be given to Lender under this Note will be given by first class mail to Lender at the address stated in Paragraph 4(B) or at a different address if Borrower is given a notice of that different address. 9. OBLIGATIONS OF PERSONS UNDER THIS NOTE If more than one person signs this Note, each person is fully and personally obligated to keep all of the promises made in this Note, including the promise to pay the full amount owed. Any person who is a guarantor, surety or endorser of this Note is also obligated to do these things. Any person who takes over these obligations, including the obligations of a guarantor, surety or endorser of this Note, is also obligated to keep all of the promises made in this Note. Lender may enforce its rights under this Note against each person individually or against all signatories together. Any one person signing this Note may be required to pay all of the amounts owed under this Note. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Note. Robert A Blizzard (Seal) Robert A Blizzard -Borrower ________________________________ (Seal) -Borrower Pay to the order of American Southwest Mortgage Corp. Without Recourse 10/20 day of ________________, ________. BROOKSIDE MORTGAGE LLC dba EXPRESS MORTGAGE OF TULSA By: __________________________ Its: __________________________ ALLONGE TO NOTE Loan # [REDACTED] Attached to Promissory Note Dated: March 30, 2009 Borrower(s) Name: Robert A Blizzard Property Address: 2917 S 98th E Ave. Tulsa, Oklahoma 74129 Loan Amount: $122,100.00 Without Recourse Pay to the order of: AMERICAN SOUTHWEST MORTGAGE CORP. By: [signature] Richard Carrington, President - American Southwest Mortgage Corp. Attorney in Fact for Greg Mahaney, Managing Member Brookside Mortgage LLC, DBA Express Mortgage of Tulsa Pay to the order of Bank of America, N.A. Without Recourse American Southwest Mortgage Corp By [signature] - Richard Carrington President - Jim Miller Exec Vice Pres - Ann Harry Vice President - Laura Thomas Vice President PAY TO THE ORDER OF WITHOUT RECOUPRSE BANK OF AMERICA, N.A. BY Michele Sjolander MICHELE SJOLANDER SENIOR VICE PRESIDENT Tulsa County Clerk - EARLENE WILSON Doc # 2009033176 Page(s): 9 Recorded 04/08/2009 at 03:53 PM Receipt # 139899 Fee $29.00 This Instrument was prepared by: Angie Martin AMERICAN SOUTHWEST MORTGAGE CORP. 3503 N.W. 63rd, Suite 500 Oklahoma City, OKLAHOMA 73116 405-848-3600 WHEN RECORDED, MAIL TO: AMERICAN SOUTHWEST MORTGAGE CORP. 3503 N.W. 63rd, Suite 500 Oklahoma City, OKLAHOMA 73116 MORTGAGE THIS MORTGAGE ("Security Instrument") is given on March 30, 2009. The Mortgagor is Robert A Blizzard, a married person and Patricia Blizzard, his wife ("Borrower"). This Security Instrument is given to Mortgage Electronic Registration Systems, Inc. ("MERS"), (solely as nominee for Lender, as hereinafter defined, and Lender’s successors and assigns), as mortgagee. 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. BROOKSIDE MORTGAGE LLC dba EXPRESS MORTGAGE OF TULSA ("Lender") is organized and existing under the laws of Oklahoma, and has an address of 9226A So. Elwood, Jenks, OKLAHOMA 74034. Borrower owes Lender the principal sum of ONE HUNDRED TWENTY-TWO THOUSAND ONE HUNDRED AND NO/100 Dollars (U.S. $122,100.00). This debt is evidenced by Borrower's note dated the same date as this Security Instrument ("Note"), which provides for monthly payments, with the full debt, if not paid earlier, due and payable on April 1, 2039. This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modifications of the Note; (b) the payment of all other sums, with interest, advanced under paragraph 7 to protect the Security Instrument; and (c) the performance of Borrower’s covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to MERS (solely as nominee for Lender and Lender's successors and assigns) and to the successors and assigns of MERS, with power of sale, the following described property located in Tulsa County, Oklahoma: See attached Exhibit A. Parcel Identification Number: [REDACTED] which has the address of 2917 S. 98th E. Ave. Tulsa, OKLAHOMA 74129 ("Property Address"); TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property." Borrower understands and agrees that MERS holds only legal title to the interests granted by Borrower in this Security Instrument; but, if necessary to comply with law or custom, MERS, (as nominee for Lender and Lender's successors and assigns), has the right: to exercise any or all of those interests, including, but not limited to, the right to foreclose and sell the Property; and to take any action required of Lender including, but not limited to, releasing or canceling this Security Instrument. BORROWER COVENANTS that Borrower is lawfully seized of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. Borrower and Lender covenant and agree as follows: UNIFORM COVENANTS. 1. Payment of Principal, Interest and Late Charge. Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and late charges due under the Note. 2. Monthly Payment of Taxes, Insurance and Other Charges. Borrower shall include in each monthly payment, together with the principal and interest as set forth in the Note and any late charges, a sum for (a) taxes and special assessments levied or to be levied against the Property, (b) leasehold payments or ground rents on the Property, and (c) premiums for insurance required under paragraph 4. In any year in which the Lender must pay a mortgage insurance premium to the Secretary of Housing and Urban Development ("Secretary"), or in any year in which such premium would have been required if Lender still held the Security Instrument, each monthly payment shall also include either: (i) a sum for the annual mortgage insurance premium to be paid by Lender to the Secretary, or (ii) a monthly charge instead of a mortgage insurance premium if this Security Instrument is held by the Secretary, in a reasonable amount to be determined by the Secretary. Except for the monthly charge by the Secretary, these items are called "Escrow Items" and the sums paid to Lender are called "Escrow Funds." Lender may, at any time, collect and hold amounts for Escrow Items in an aggregate amount not to exceed the maximum amount that may be required for Borrower's escrow account under the Real Estate Settlement Procedures Act of 1974, 12 U.S.C. Section 2601 et seq. and implementing regulations, 24 CFR Part 3500, as they may be amended from time to time ("RESPA"), except that the cushion or reserve permitted by RESPA for unanticipated disbursements or disbursements before the Borrower's payments are available in the account may not be based on amounts due for the mortgage insurance premium. If the amounts held by Lender for Escrow Items exceed the amounts permitted to be held by RESPA, Lender shall account to Borrower for the excess funds as required by RESPA. If the amounts of funds held by Lender at any time are not sufficient to pay the Escrow Items when due, Lender may notify the Borrower and require Borrower to make up the shortage as permitted by RESPA. The Escrow Funds are pledged as additional security for all sums secured by this Security Instrument. If Borrower tenders to Lender the full payment of all such sums, Borrower's account shall be credited with the balance remaining for all installment items (a), (b), and (c) and any mortgage insurance premium installment that Lender has not become obligated to pay to the Secretary, and Lender shall promptly refund any excess funds to Borrower. Immediately prior to a foreclosure sale of the Property or its acquisition by Lender, Borrower's account shall be credited with any balance remaining for all installments for items (a), (b), and (c). 3. Application of Payments. All payments under paragraphs 1 and 2 shall be applied by Lender as follows: First, to the mortgage insurance premium to be paid by Lender to the Secretary or to the monthly charge by the Secretary instead of the monthly mortgage insurance premium; Second, to any taxes, special assessments, leasehold payments or ground rents, and fire, flood and other hazard insurance premiums, as required; Third, to interest due under the Note; Fourth, to amortization of the principal of the Note; and Fifth, to late charges due under the Note. 4. Fire, Flood and Other Hazard Insurance. Borrower shall insure all improvements on the Property, whether now in existence or subsequently erected, against any hazards, casualties, and contingencies, including fire, for which Lender requires insurance. This insurance shall be maintained in the amounts and for the periods that Lender requires. Borrower shall also insure all improvements on the Property, whether now in existence or subsequently erected, against loss by floods to the extent required by the Secretary. All insurance shall be carried with companies approved by Lender. The insurance policies and any renewals shall be held by Lender and shall include loss payable clauses in favor of, and in a form acceptable to, Lender. In the event of loss, Borrower shall give Lender immediate notice by mail. Lender may make proof of loss if not made promptly by Borrower. Each insurance company concerned is hereby authorized and directed to make payment for such loss directly to Lender, instead of to Borrower and to Lender jointly. All or any part of the insurance proceeds may be applied by Lender, at its option, either (a) to the reduction of the indebtedness under the Note and this Security Instrument, first to any delinquent amounts applied in the order in paragraph 3, and then to prepayment of principal, or (b) to the restoration or repair of the damaged Property. Any application of the proceeds to the principal shall not extend or postpone the due date of the monthly payments which are referred to in paragraph 2, or change the amount of such payments. Any excess insurance proceeds over an amount required to pay all outstanding indebtedness under the Note and this Security Instrument shall be paid to the entity legally entitled thereto. In the event of foreclosure of this Security Instrument or other transfer of title to the Property that extinguishes the indebtedness, all right, title and interest of Borrower in and to insurance policies in force shall pass to the purchaser. 5. Occupancy, Preservation, Maintenance and Protection of the Property; Borrower's Loan Application; Leaseholds. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within sixty days after the execution of this Security Instrument (or within sixty days of a later sale or transfer of the Property) and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender determines that requirement will cause undue hardship for Borrower, or unless extenuating circumstances exist which are beyond Borrower's control. Borrower shall notify Lender of any extenuating circumstances. Borrower shall not commit waste or destroy, damage or substantially change the Property or allow the Property to deteriorate, reasonable wear and tear excepted. Lender may inspect the Property if the Property is vacant or abandoned or the loan is in default. Lender may take reasonable action to protect and preserve such vacant or abandoned Property. Borrower shall also be in default if Borrower, during the loan application process, gave materially false or inaccurate information or statements to Lender (or failed to provide Lender with any material information) in connection with the loan evidenced by the Note, including, but not limited to, representations concerning Borrower's occupancy of the Property as a principal residence. If this Security Instrument is on a leasehold, Borrower shall comply with the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and fee title shall not be merged unless Lender agrees to the merger in writing. 6. Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection with any condemnation or other taking of any part of the Property, or for conveyance in place of condemnation, are hereby assigned and shall be paid to Lender to the extent of the full amount of the indebtedness that remains unpaid under the Note and this Security Instrument. Lender shall apply such proceeds to the reduction of the indebtedness under the Note and this Security Instrument, first to any delinquent amounts applied in the order provided in paragraph 3, and then to prepayment of principal. Any application of the proceeds to the principal shall not extend or postpone the due date of the monthly payments, which are referred to in paragraph 2, or change the amount of such payments. Any excess proceeds over an amount required to pay all outstanding indebtedness under the Note and this Security Instrument shall be paid to the entity legally entitled thereto. 7. Charges to Borrower and Protection of Lender's Rights in the Property. Borrower shall pay all governmental or municipal charges, fines and impositions that are not included in paragraph 2. Borrower shall pay these obligations on time directly to the entity which is owed the payment. If failure to pay would adversely affect Lender's interest in the Property, upon Lender's request Borrower shall promptly furnish to Lender receipts evidencing these payments. If Borrower fails to make these payments or the payments required by paragraph 2, or fails to perform any other covenants and agreements contained in this Security Instrument, or there is a legal proceeding that may significantly affect Lender's rights in the Property (such as a proceeding in bankruptcy, for condemnation or to enforce laws or regulations), then Lender may do and pay whatever is necessary to protect the value of the Property and Lender's rights in the Property, including payment of taxes, hazard insurance and other items mentioned in paragraph 2. Any amounts disbursed by Lender under this paragraph shall become an additional debt of Borrower and be secured by this Security Instrument. These amounts shall bear interest from the date of disbursement, at the Note rate, and at the option of Lender, shall be immediately due and payable. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender; (b) contests in good faith the lien by, or defends against enforcement of the lien in, legal proceedings which in the Lender's opinion operate to prevent the enforcement of the lien; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which may attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Borrower shall satisfy the lien or take one or more of the actions set forth above within 10 days of the giving of notice. 8. Fees. Lender may collect fees and charges authorized by the Secretary. 9. Grounds for Acceleration of Debt. (a) Default. Lender may, except as limited by regulations issued by the Secretary, in the case of payment defaults, require immediate payment in full of all sums secured by this Security Instrument if: (i) Borrower defaults by failing to pay in full any monthly payment required by this Security Instrument prior to or on the due date of the next monthly payment, or (ii) Borrower defaults by failing, for a period of thirty days, to perform any other obligations contained in this Security Instrument. (b) Sale Without Credit Approval. Lender shall, if permitted by applicable law (including Section 341(d) of the Garn-St. Germain Depository Institutions Act of 1982, 12 U.S.C. 1701j-3(d)) and with the prior approval of the Secretary, require immediate payment in full of all sums secured by this Security Instrument if: (i) All or part of the Property, or a beneficial interest in a trust owning all or part of the Property, is sold or otherwise transferred (other than by devise or descent), and (ii) The Property is not occupied by the purchaser or grantee as his or her principal residence, or the purchaser or grantee does so occupy the Property but his or her credit has not been approved in accordance with the requirements of the Secretary. (c) No Waiver. If circumstances occur that would permit Lender to require immediate payment in full, but Lender does not require such payments, Lender does not waive its rights with respect to subsequent events. (d) Regulations of HUD Secretary. In many circumstances regulations issued by the Secretary will limit Lender's rights, in the case of payment defaults, to require immediate payment in full and foreclose if not paid. This Security Instrument does not authorize acceleration or foreclosure if not permitted by regulations of the Secretary. (e) Mortgage Not Insured. Borrower agrees that if this Security Instrument and the Note are not determined to be eligible for insurance under the National Housing Act within 60 days from the date hereof, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument. A written statement of any authorized agent of the Secretary dated subsequent to 60 days from the date hereof, declining to insure this Security Instrument and the Note, shall be deemed conclusive proof of such ineligibility. Notwithstanding the foregoing, this option may not be exercised by Lender when the unavailability of insurance is solely due to Lender's failure to remit a mortgage insurance premium to the Secretary. 10. Reinstatement. Borrower has a right to be reinstated if Lender has required immediate payment in full because of Borrower's failure to pay an amount due under the Note or this Security Instrument. This right applies even after foreclosure proceedings are instituted. To reinstate the Security Instrument, Borrower shall tender in a lump sum all amounts required to bring Borrower's account current including, to the extent they are obligations of Borrower under this Security Instrument, foreclosure costs and reasonable and customary attorneys' fees and expenses properly associated with the foreclosure proceeding. Upon reinstatement by Borrower, this Security Instrument and the obligations that it secures shall remain in effect as if Lender had not required immediate payment in full. However, Lender is not required to permit reinstatement if: (i) Lender has accepted reinstatement after the commencement of foreclosure proceedings within two years immediately preceding the commencement of a current foreclosure proceeding, (ii) reinstatement will preclude foreclosure on different grounds in the future, or (iii) reinstatement will adversely affect the priority of the lien created by this Security Instrument. 11. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time of payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to any successor in interest of Borrower shall not operate to release the liability of the original Borrower or Borrower's successor in interest. Lender shall not be required to commence proceedings against any successor in interest or 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 Borrower's successors in interest. Any forbearance by Lender in exercising any right or remedy shall not be a waiver of or preclude the exercise of any right or remedy. 12. Successors and Assigns Bound; Joint and Several Liability; Co-Signers. The covenants and agreements of this Security Instrument shall bind and benefit the successors and assigns of Lender and Borrower, subject to the provisions of paragraph 9(b). Borrower's covenants and agreements shall be joint and several. Any Borrower who co-signs this Security Instrument but does not execute the Note: (a) is co-signing this Security Instrument only to mortgage, grant and convey that Borrower's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower may agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without that Borrower's consent. 13. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by mailing it by first class mail unless applicable law requires use of another method. The notice shall be directed to the Property Address or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given by first class mail to Lender's address stated herein or any address Lender designates by notice to Borrower. Any notice provided for in this Security Instrument shall be deemed to have been given to Borrower or Lender when given as provided in this paragraph. 14. Governing Law; Severability. This Security Instrument shall be governed by Federal law and the law of the jurisdiction in which the Property is located. In the event that any provision or clause of this Security Instrument or the Note conflicts with applicable law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. To this end the provisions of this Security Instrument and the Note are declared to be severable. 15. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument. 16. Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property that is in violation of any Environmental Law. The preceding two sentences shall 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. Borrower shall promptly give Lender written notice of any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge. If Borrower learns, or is notified by any governmental or regulatory authority, that any removal or other remediation of any Hazardous Substances affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. As used in this paragraph 16, "Hazardous Substances" are those substances defined as toxic or hazardous substances by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials. As used in this paragraph 16, "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection. NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 17. Assignment of Rents. Borrower unconditionally assigns and transfers to Lender all the rents and revenues of the Property. Borrower authorizes Lender or Lender's agents to collect the rents and revenues and hereby directs each tenant of the Property to pay the rents to Lender or Lender's agents. However, prior to Lender's notice to Borrower of Borrower's breach of any covenant or agreement in the Security Instrument, Borrower shall collect and receive all rents and revenues of the Property as trustee for the benefit of Lender and Borrower. This assignment of rents constitutes an absolute assignment and not an assignment for additional security only. If Lender gives notice of breach to Borrower: (a) all rents received by Borrower shall be held by Borrower as trustee for benefit of Lender only, to be applied to the sums secured by the Security Instrument; (b) Lender shall be entitled to collect and receive all of the rents of the Property; and (c) each tenant of the Property shall pay all rents due and unpaid to Lender or Lender's agent on Lender's written demand to the tenant. Borrower has not executed any prior assignment of the rents and has not and will not perform any act that would prevent Lender from exercising its rights under this paragraph 17. Lender shall not be required to enter upon, take control of or maintain the Property before or after giving notice of breach to Borrower. However, Lender or a judicially appointed receiver may do so at any time there is a breach. Any application of rents shall not cure or waive any default or invalidate any other right or remedy of Lender. This assignment of rents of the Property shall terminate when the debt secured by the Security Instrument is paid in full. 18. Foreclosure Procedure. If Lender requires immediate payment in full under paragraph 9, Lender may invoke the power of sale and other remedies permitted by applicable law. Lender shall be entitled to collect all costs and expenses incurred in pursuing the remedies provided in this paragraph 18, including, but not limited to, reasonable attorneys' fees and costs of title evidence. If Lender invokes the power of sale, Lender shall give notice in the manner required by applicable law to Borrower and any other persons prescribed by applicable law. Lender shall also publish the notice of sale, and the Property shall be sold, as prescribed by applicable law. Lender or its designee may purchase the Property at any sale. The proceeds of the sale shall be applied in the manner prescribed by applicable law. If the Lender's interest in this Security Instrument is held by the Secretary and the Secretary requires immediate payment in full under Paragraph 9, the Secretary may invoke the nonjudicial power of sale provided in the Single Family Mortgage Foreclosure Act of 1994 ("Act") (12 U.S.C. 3751 et seq.) by requesting a foreclosure commissioner designated under the Act to commence foreclosure and to sell the Property as provided in the Act. Nothing in the preceding sentence shall deprive the Secretary of any rights otherwise available to a Lender under this Paragraph 18 or applicable law. 19. Release. Upon payment of all sums secured by this Security Instrument, Lender shall release this Security Instrument without charge to Borrower. Borrower shall pay any recordation costs unless applicable law provides otherwise. 20. Waiver of Appraisement. Appraisal of the Property is waived or not waived at Lender's option, which shall be exercised before or at the time judgment is entered in any foreclosure. 21. Assumption Fee. If there is an assumption of this loan, Lender may charge an assumption fee of U.S. Maximum allowed by the Secretary of HUD. 22. Riders to this Security Instrument. If one or more riders are executed by Borrower and recorded together with this Security Instrument, the covenants of each such rider shall be incorporated into and shall amend and supplement the covenants and agreements of this Security Instrument as if the rider(s) were a part of this Security Instrument. (Check applicable box(es)). ☐ Condominium Rider ☐ Growing Equity Rider ☐ Adjustable Rate Rider ☒ Planned Unit Development Rider ☐ Graduated Payment Rider ☐ Other: NOTICE TO BORROWER A power of sale has been granted in this Security Instrument. A power of sale may allow the Lender to take the Property and sell it without going to court in a foreclosure action upon default by Borrower under this Security Instrument. BY SIGNING BELOW, Borrower accepts and agrees to the terms contained in this Security Instrument and in any rider(s) executed by Borrower and recorded with it. Witnesses: __________________________ ________________________________ (Seal) Robert A Blizzard (Seal) -Borrower Patricia Blizzard (Seal) -Borrower STATE OF OKLAHOMA, Tulsa County ss: The foregoing instrument was acknowledged before me this 30th day of March, 2009 by Robert A Blizzard, a married person and Patricia Blizzard, his wife. Witness my hand and official seal. My Commission Expires: 6/11/2011 Commission# 03007182 (Seal) Notary Public Oklahoma OFFICIAL SEAL CELESTE J. MOUNCE TULSA COUNTY I, Patricia Blizzard am executing (Seal) this mortgage solely to subject -Borrower- the property herein to the lien of this mortgage. I am undertaking no personal responsibility for payment of the debt secured hereby. __________________________________________ Notary Public Celeste J. Mounce MIN: [Redacted] FHA Case Number: [Redacted] FHA PLANNED UNIT DEVELOPMENT RIDER THIS PLANNED UNIT DEVELOPMENT RIDER is made this 30th day of March, 2009, and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust or Security Deed ("Security Instrument") of the same date given by the undersigned ("Borrower") to secure Borrower's Note ("Note") to BROOKSIDE MORTGAGE LLC dba EXPRESS MORTGAGE OF TULSA ("Lender") of the same date and covering the property described in the Security Instrument and located at: 2917 S, 98th E. Ave, Tulsa, OKLAHOMA 74129 (Property Address). The Property is a part of a planned unit development ("PUD") known as: Longview Lakes (Name of Planned Unit Development Project) PUD COVENANTS. In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree as follows: A. So long as the Owners Association (or equivalent entity holding title to common areas and facilities), acting as trustee for the homeowners, maintains, with a generally accepted insurance carrier, a "master" or "blanket" policy insuring the property located in the PUD, including all improvements now existing or hereafter erected on the mortgaged premises, and such policy is satisfactory to Lender and provides insurance coverage in the amounts, for the periods, and against the hazards Lender requires, including fire and other hazards included within the term "extended coverage," and loss by flood, to the extent required by the Secretary, then: (i) Lender waives the provision in Paragraph 2 of this Security Instrument for the monthly payment to Lender of one-twelfth of the yearly premium installments for hazard insurance on the Property, and (ii) Borrower's obligation under Paragraph 4 of this Security Instrument to maintain hazard insurance coverage on the Property is deemed satisfied to the extent that the required coverage is provided by the Owners Association policy. Borrower shall give Lender prompt notice of any lapse in required hazard insurance coverage and of any loss occurring from a hazard. In the event of a distribution of hazard insurance proceeds in lieu of restoration or repair following a loss to the Property or to common areas and facilities of the PUD, any proceeds payable to Borrower are hereby assigned and shall be paid to Lender for application to the sums secured by this Security Instrument, with any excess paid to the entity legally entitled thereto. B. Borrower promises to pay all dues and assessments imposed pursuant to the legal instruments creating and governing the PUD. C. If Borrower does not pay PUD dues and assessments when due, then Lender may pay them. Any amounts disbursed by Lender under this paragraph C shall become additional debt of Borrower secured by the Security Instrument. Unless Borrower and Lender agree to other terms of payment, these amounts shall bear interest from the date of disbursement at the Note rate and shall be payable, with interest, upon notice from Lender to Borrower requesting payment. BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this PUD Rider. Robert A Blizzard (Seal) ___________________________ (Seal) Robert A Blizzard -Borrower -Borrower Patricia Blizzard (Seal) ___________________________ (Seal) Patricia Blizzard -Borrower -Borrower File No: ________ EXHIBIT "A" Legal Description: Lot Nineteen (19), Block One (1), LONGVIEW LAKE ESTATES, BLOCKS 1 THRU 14, INCLUSIVE, an Addition in Tulsa County, State of Oklahoma, according to the Recorded Plat thereof. Date: 04/08/09 DENNIS SEMLER, Tulsa County Treasurer Receipt: 274823 Time: 15:01:31 TULSA, OKLAHOMA Opr: JMR DW: 20 Receipt for Real Estate Mortgage Tax (Sel:2b) Work Date 04/09/09 Submitted By: TITLE CO.TULSA ABSTRACT & TITLE CO Affidavit: _ Info Sheet: _ Correspondence Sheet: _ Received of : TULSA ABSTRACT & TITLE CO the sum of $ 127.10 Mortgage Date: 03/30/09 Mortgagor: BLIZZARD, ROBERT A AND PATRICIA Mortgagee: BROOKSIDE MORTGAGE LLC Lot/Section: 19 Block/Township: 1 Range: Subdivision: LONGVIEW LAKE ESTATES Memo: Exempt(Y/N): n Maturity Date | Mtg Term | Rate | Mtg Amount | Tax Amount 04/01/39 T .10 122,100.00 122.10 Treas Cert Fee: 5.00 Total: 127.10 Mortgage Tax & Fee Certification DENNIS SEMLER, Tulsa County Treasurer ERX Tran: ____________ Date: 04/09/09 Paid: 127.10 Deputy: JMR Rec#: 274823 Deputy: JOYCE ROSTON Actual Payment Paid — Charged y CK: 127.10 CS: ___________ CC: ___________ DC: ___________ EFT: ___________ Dear Taxpayer: Thank you for your payment. Please keep this receipt for your records. If this is an ad valorem tax payment you will receive a permanent receipt at a future date. If this is a mortgage tax payment, this is your permanent receipt. Yours truly, [Signature] J. Dennis Semler Tulsa County Treasurer SPACE ABOVE THIS LINE RESERVED FOR RECORDER'S USE [Loan Modification Agreement] RECORDING REQUESTED BY & RETURN TO: BANK OF AMERICA, N.A. ATTN: HOME RETENTION DIVISION 1001 LIBERTY AVE STE 675 PITTSBURGH, PA 15222 Prepared by: Jason Brown BANK OF AMERICA 1001 LIBERTY AVE STE 675 PITTSBURGH, PA 15222 Mortgage Tax Certification .DENNIS SEMLER, Tulsa County Treasurer Date 10/28/2013 Tax 18.50 Deputy GJB Receipt 389395 GRANTOR(S): Robert A Blizzard PROPERTY ADDRESS: 2917 S 98th East Ave Tulsa, OK 74129 GRANTEE: Bank of America, N.A. Prev. Rec. Info: 04/08/2009 Inst. # [Redacted] Original loan Amount $122,100.00 New Loan Amount $140,570.34 New Money Amount $18,470.34 Married Man Recording Requested by Bank of America, N.A. WHEN RECORDED MAIL TO: Bank of America, N.A. 1001 Liberty Avenue, Suite 875 Pittsburgh, PA 15222 This document was prepared by Bank of America, N.A. See Exhibit B for assignments of record if applicable LOAN MODIFICATION AGREEMENT This Loan Modification Agreement (the "Agreement"), made on January 17, 2013 between ROBERT A BLIZZARD (the "Borrower(s)") and Bank of America, N.A., Original Lender/Beneficiary Lender or Servicer ("Lender"), amends and supplements that certain (Mortgage/Deed of Trust) (the "Security Instrument") dated the 13th of May, 2009 which covers the real and personal property described in the Security Instrument and defined therein as the 'Property' (See Exhibit A for Legal Description if applicable), located at 2917 S 98TH E AVE, TULSA, OK 74129. The real property described being set forth as follows: SAME AS IN SAID SECURITY INSTRUMENT In consideration of the mutual promises and agreements exchanged, the parties hereto agree to modify the Security Instrument as follows: The fifth [and sixth] sentence[s] of the first paragraph of the Security Instrument is[are] hereby amended to read in its[their] entirety as follows: Borrower owes Lender the principal sum of one hundred forty thousand five hundred seventy and 34/100, (U.S. Dollars) ($140,670.34). This debt is evidenced by Borrower's note dated the same date as the Security Instrument, as amended and restated as of the date herewith ("Note"), which provides for monthly payments, with the full debt, if not paid earlier, due and payable on February 1, 2043. The Borrower(s) shall comply with all other covenants, agreements and requirements of the Security Instrument. Nothing in this Agreement shall be understood or construed to be a satisfaction or release in whole or in part of the Security Instrument. Except as otherwise specifically provided in this Agreement, the Security Instrument shall remain unchanged, and the Borrower(s) and Bank of America, N.A. shall be bound by, and comply with all of the terms and provisions thereof, as amended by this Agreement, and the Security Instrument shall remain in full force and effect and shall continue to be a first lien on the above-described property. All capitalized terms not defined herein shall have the same meanings as set forth in the Security Instrument. SIGNED AND ACCEPTED THIS 8th DAY OF February 2013 BY ROBERT A BLIZZARD (ALL SIGNATURES MUST BE ACKNOWLEDGED) State of Oklahoma, County of Tulsa. On this 8th day of February 2013 before me the undersigned, a Notary Public in and for said State, personally appeared ROBERT A BLIZZARD known to me, or proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the foregoing instrument and acknowledged that Robert Blizzard executed the same. Witness my hand and official seal. Tutul Fazal Notary Signature Tutul Fazal Notary Public Printed Name Place Seal Here June 02, 2015 Notary Public Commission Expiration Date DO NOT WRITE BELOW THIS LINE THIS SECTION IS FOR INTERNAL Bank of America, N.A. USE ONLY Bank of America, N.A., for itself or as successor by merger to BAC Home Loans Servicing, LP By: Urban Settlement Services, LLC, its attorney in fact By: [signature] Dated: FEB 27 2013 Name: Andre Bandeller Title: ASSISTANT SECRETARY [Space below this line for Acknowledgement] STATE OF Colorado COUNTY OF Arvada On 2/27/2013 before me, Phillip Her Notary Public, personally appeared Andre Bandeller personally known to me (or proved to me on the basis of satisfactory evidence) to be the person(s) whose name(s) is/are subscribed to the within Instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signatures (s) on the instrument the person(s), or entity upon behalf of which the person(s) acted, executed the instrument. WITNESS my hand and official seal. Notary Signature PHILLIP HER NOTARY PUBLIC, STATE OF COLORADO My Comm. Expires December 27, 2015 Exhibit A Legal Description Lot Nineteen (19), Block One (1), LONGVIEW LAKE ESTATES, BLOCKS 1 THRU 14, INCLUSIVE, an Addition in Tulsa County, State of Oklahoma, according to the Recorded Plat thereof. This Document Prepared By: MONICA VELA CARRINGTON MORTGAGE SERVICES, LLC CARRINGTON DOCUMENT SERVICES 1690 SOUTH DOUGLASS ROAD, SUITES 110 & 200-A ANAHEIM, CA 92806 1-866-374-9660 When Recorded Mail To: CARRINGTON MORTGAGE SERVICES, LLC C/O LOSS MITIGATION POST CLOSING DEPARTMENT 1690 SOUTH DOUGLASS ROAD, SUITES 110 & 200-A ANAHEIM, CA 92806 Tax/Parcel #: [6 spaces above This Line for Recording Data] Original Principal Amount: $122,100.00 Unpaid Principal Amount: $101,663.11 New Principal Amount: $107,651.97 New Money (Cap): $8,987.96 FHA/VAMRHG Case # : LOAN MODIFICATION AGREEMENT This Loan Modification Agreement ("Agreement"), made this 31st day of JULY, 2015, between ROBERT A BLIZZARD, DIVORCED ("Borrower"), whose address is 2917 S 98TH EAST AVE, TULSA, OKLAHOMA 74129 and CARRINGTON MORTGAGE SERVICES, LLC AS SERVICER AND AUTHORIZED AGENT OF BANK OF AMERICA, N.A. ("Lender"), whose address is 1690 SOUTH DOUGLASS ROAD, SUITES 110 & 200-A, ANAHEIM, CA 92806 amends and supplements (1) the Mortgage, Deed of Trust or Security Deed (the "Security Instrument"), dated MARCH 30, 2009 and recorded on APRIL 8, 2009 in INSTRUMENT NO. 2009033176, TULSA COUNTY, OKLAHOMA, and (2) the Note, in the original principal amount of U.S. $122,100.00, bearing the same date as, and secured by, the Security Instrument, which covers the real and personal property described in the Security Instrument and defined therein as the "Property," located at 29178 98TH EAST AVE, TULSA, OKLAHOMA 74129 The real property described is located in TULSA County, OKLAHOMA and being set forth as follows: LEGAL DESCRIPTION: SEE EXHIBIT "A" ATTACHED HERETO AND MADE A PART HEREOF. In consideration of the mutual promises and agreements exchanged, the parties hereto agree as follows (notwithstanding anything to the contrary contained in the Note or Security Instrument): 1. As of SEPTEMBER 1, 2013 the amount payable under the Note and the Security Instrument (the "Unpaid Principal Balance") is U.S. $107,581.67, consisting of the amount(s) loaned to Borrower by Lender, plus capitalized interest in the amount of U.S. $5,987.96 and other amounts capitalized, which is limited to esrows and any legal fees and related foreclosure costs that may have been accrued for work completed. This Unpaid Principal Balance has been reduced by the principal sum of $79,928.07. 2. Borrower promises to pay the Unpaid Principal Balance, plus interest, to the order of Lender. Interest will be charged on the Unpaid Principal Balance at the yearly rate of 7.1250%, from SEPTEMBER 1, 2025. The yearly rate of 7.1250% will remain in effect until principal and interest are paid in full. Borrower promises to make the total modified monthly mortgage payment of U.S. $1,343.36, beginning on the 1ST DAY OF OCTOBER, 2014, and continuing thereafter on the same day of each succeeding month until principal and interest are paid in full. Borrower's payment consists of payments for principal and interest of U.S. $678.78, plus payments for property taxes, hazard insurance, and any other permissible esrow items of US $664.58. Borrower understands that the modified monthly mortgage payment is subject to change if there is an increase or decrease in property taxes, insurance, or any other permissible esrow items. The esrow payments may be adjusted periodically in accordance with applicable law and therefore the total monthly payment may change accordingly. If on SEPTEMBER 1, 2065 (the "Maturity Date"), Borrower still owes amounts under the Note and the Security Instrument, as amended by this Agreement, Borrower will pay those amounts in full on the Maturity Date. 3. If all or any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in the Borrower is sold or transferred and the Borrower is not a natural person) without the Lender's prior written consent, the Lender may require immediate payment in full of all sums secured by this Security Instrument. If the Lender exercises this option, the Lender shall give the Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is delivered or mailed within which the Borrower must pay all sums secured by this Security Instrument. If the Borrower fails to pay these sums prior to the expiration of this period, the Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on the Borrower. 4. The Borrower also will comply with all other covenants, agreements, and requirements of the Security Instrument, including without limitation, the Borrower's covenants and agreements to make all payments of taxes, insurance premiums, assessments, esrow items, impounds, and all other payments that the Borrower is obligated to make under the Security Instrument; however, the following terms and provisions are forever cancelled, null and void, as of the date specified in Paragraph No. 1 above: (a) all terms and provisions of the Note and Security Instrument (if any) providing for implementing, or relating to, any change or adjustment in the rate of interest payable under the Note; and (b) all terms and provisions of any adjustable rate rider, or other instrument or document that is affixed to, wholly or partially incorporated into, or is part of, the Note or Security Instrument and that contains any such terms and provisions as those referred to in (a) above. 5. If the Borrower is currently subject to the protections of any automatic stay in bankruptcy, or have obtained a discharge in bankruptcy proceeding without reaffirming the mortgage loan debt, nothing in this Agreement or any other document executed in connection with this Agreement shall be construed as an attempt by Lender to impose personal liability under the Note and Mortgage/Deed of Trust Subordinate Mortgage/Deed of Trust. In such case, this Agreement is entered into in the ordinary course of business between the Lender and the Borrower in lieu of pursuit of its own relief to enforce the lien. This Agreement does not revive the Borrower's personal liability under the Note and Mortgage/Deed of Trust Subordinate Mortgage/Deed of Trust, nor is it an attempt to collect, recover, or offset any such debt as a personal liability of Borrower under the Note and Mortgage/Deed of Trust Subordinate Mortgage/Deed of Trust. 6. Nothing in this Agreement shall be understood or construed to be a satisfaction or release in whole or in part of the Note and Security Instrument. Except as otherwise specifically provided in this Agreement, the Note and Security Instrument will remain unchanged, and Borrower and Lender will be bound by, and comply with, all of the terms and provisions thereof, as amended by this Agreement. 7. Borrower agrees to make and execute other documents or papers as may be necessary to effectuate the terms and conditions of this Agreement which, if approved and accepted by Lender, shall bind and beure to the heirs, executors, administrators, and assigns of the Borrower. 8. Borrower agrees that any costs, fees and/or expenses incurred in connection with servicing the loan that may be legally charged to the account, but have not been charged to the account as of the Modification Effective Date, may be charged to the account at a later date and shall be the Borrower's responsibility to pay in full. For example, if the loan is in foreclosure there may be foreclosure fees and costs that have been incurred but not yet assessed to the account as of the date the Modification Effective Date; Borrower will remain liable for any such costs, fees and/or expenses. In Witness Whereof, I have executed this Agreement. [Signature] ROBERT A BLIZZARD Borrower: ROBERT A BLIZZARD Date 4-22-25 __________________________ [Space Below This Line for Acknowledgements] BORROWER ACKNOWLEDGMENT STATE OF OKLAHOMA COUNTY OF TODACA The instrument was acknowledged before me this 17th day of August 2015 (date) by ROBERT A BLIZZARD. This notarial act was an online notarial act. [Notary Signature] Notary Printed Name: Lizabeth Mendez Aguas My Commission expires: DEC 13, 2026 LIZBETH MENDOZA AGUAS Notary Public - State of Oklahoma Commission Number 22016583 My Commission Expires Dec 13, 2026 In Witness Whereof, the Lender has executed this Agreement. CARRINGTON MORTGAGE SERVICES, LLC AS SERVICIER AND AUTHORIZED AGENT OF BANK OF AMERICA, N.A. By: ___________________________ (print name) Vanessa Garcia, Manager, Loss Mitigation Carrington Mortgage Services, LLC Attorney in Fact Date: AUG 26 2025 LENDER ACKNOWLEDGMENT A notary public or other officer completing this certificate verifies only the identity of the individual who signed the document to which this certificate is attached, and not the truthfulness, accuracy, or validity of that document. State of ______________________ ) County of _____________________ ) On _______________ before me _____________________________ Notary Public, personally appeared ____________________________, who proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on the instrument the person(s), or the entity upon behalf of which the person(s) acted, executed the instrument. I certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct. WITNESS my hand and official seal Signature ___________________________ Signature of Notary Public ___________________________ (Seal) see attached CALIFORNIA ALL-PURPOSE CERTIFICATE OF ACKNOWLEDGMENT A notary public or other officer completing this certificate verifies only the identity of the individual who signed the document to which this certificate is attached, and not the truthfulness, accuracy, or validity of that document. State of _California ) County of .Orange ) On _8/26/23_ before me, ___SHAYLA HICKMAN_____ NOTARY PUBLIC personally appeared ________________________________ Vanessa Garnios ________________________________ who proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on the instrument the person(s), or the entity upon behalf of which the person(s) acted, executed the instrument. I certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct. WITNESS my hand and official seal. Notary Public Signature SHAYLA HICKMAN (Notary Public Seal) ADDITIONAL OPTIONAL INFORMATION DESCRIPTION OF THE ATTACHED DOCUMENT (Node or description of attached documents) (Node or description of attached documents continued) Number of Pages _______ Date__________ CAPACITY CLAIMED BY THE SIGNER ☐ Individual(s) ☐ Corporate Officer ☐ Partner(s) ☐ Attorney-In-Fact ☐ Trustee(s) ☐ Other ____________ INSTRUCTIONS FOR COMPLETING THIS FORM This form complies with current California statutes regarding notary wording and, if needed, should be completed and attached to the document. Acknowledgments from other states may be compliant for additional legal use so long as the wording does not violate California law. • State and County information must be the State and County where the document signer(s) personally appeared before the notary public for their signature. • Date of acknowledgment must be the date that the signer(s) personally appeared. • Date must also be the same date the acknowledgment is signed. • The notary public must print name and date here. • You may use different form for each signer instead of blank (separate space). • Prior the notary(s) of document signer(s) who personally appeared at the time of acknowledgment. • Any unused portion of a signed form by encroaching from (Title) indicated or signing on incorrect form. Failure to properly indicate this information may lead to rejection of documented recording. • The notary and verification must be clear and photographically recognizable. • Notary and verification must be clearly printed. If there is precision exigency, reveal if a sufficient level proof, otherwise omission a different acknowledgment form. • Signature of the notary public must match the signature on file with the notary of the county where. • Additional information is not required but could help in ensure this acknowledgment is not misused or attached to a different document. • Indicate title or type of attached document, number of pages and date. • Indicate the capacity claimed by the signer. If the claimed capacity is a corporate officer, indicate the title (e.g., CEO, CFO, Secretary). • Securely attach this document to the signed documents with a staple. 2018 Version EXHIBIT A BORROWER(S): ROBERT A BLIZZARD, DIVORCED LOAN NUMBER: ____________ LEGAL DESCRIPTION: The land referred to in this document is situated in the CITY OF TULSA, COUNTY OF TULSA, STATE OF OKLAHOMA, and described as follows: LOT NINETEEN (19), BLOCK ONE (1), LONGVIEW LAKE ESTATES, BLOCKS 1-THRU 14, AN ADDITION IN TULSA COUNTY, STATE OF OKLAHOMA, ACCORDING TO THE RECORDED PLAT NO. 2946. ALSO KNOWN AS: 19178 98TH EAST AVE, TULSA, OKLAHOMA 74129