U.S. Bank National Association v. Elliot Wilson

IN THE DISTRICT COURT OF OKLAHOMA COUNTY STATE OF OKLAHOMA U.S. BANK NATIONAL ASSOCIATION, Plaintiff, vs. ELLIOt WILSON; KELSIE WILSON; OKLAHOMA HOUSING FINANCE AGENCY; UNITED STATES OF AMERICA EX REL. SECRETARY OF HOUSING AND URBAN DEVELOPMENT; SERVICE FINANCE COMPANY; LIEN SOLUTIONS; UNKNOWN OCCUPANT, IF ANY; Defendants. PETITION IN FORECLOSURE COMES NOW the Plaintiff, U.S. Bank National Association, and for its cause of action against Defendants above named, alleges and states as follows, to wit: 1. Plaintiff is a business organized and existing under and by virtue of the laws of the United States of America. The real property, which is the subject of this action, is located in Oklahoma County, Oklahoma. 2. On December 5, 2022, Defendant(s), Elliot Wilson, Kelsie Wilson, in exchange for good and valuable consideration made a Promissory Note ("Note") for the principal sum of $250,282.00 with interest at a rate of 7.7500% per annum on the unpaid principal until the full amount of the principal has been paid in full. Attached hereto, and incorporated herein, as Exhibit "A" is a true and correct copy of said Note. 3. As a part of the same transaction, and to secure payment of said Note and the indebtedness represented thereby, the Defendant(s), Kelsie Wilson and Elliot Wilson wife and husband, then the owner of the real estate hereinafter described, made, executed and delivered to Mortgage Electronic Registration Systems Inc. acting solely as nominee for Gateway Mortgage, a division of Gateway First Bank, its successors and assigns his/her real estate mortgage ("Mortgage") in writing and therein and thereby mortgaged and conveyed to Mortgage Electronic Registration Systems Inc. acting solely as nominee for Gateway Mortgage, a division of Gateway First Bank, its successors and assigns the following described real estate situated in Oklahoma County, State of Oklahoma, to wit: LOT THIRTY-FOUR (34), IN BLOCK EIGHT (8), OF WILLOW CREEK ADDITION, TO THE CITY OF EDMOND, OKLAHOMA COUNTY, OKLAHOMA, ACCORDING TO THE RECORDED PLAT THEREOF. The Mortgage includes any improvements thereon and appurtenances, thereunto belonging, hereditaments and all other rights thereunto appertaining or belonging, and all fixtures then or thereafter attached or used in connection with said premises. 4. The Mortgage was duly executed and acknowledged according to law, the mortgage tax duly paid thereof and recorded on December 8, 2022, in the office of the County Clerk of Oklahoma County, Oklahoma. Attached hereto, and incorporated herein as Exhibit “B” is a true and correct copy of said recorded Mortgage. 5. Plaintiff has possession of the Note, and the Note has been duly indorsed to the Plaintiff. Plaintiff is the holder of the Note and was entitled to enforce the Note prior to, and is entitled to enforce the Note at and subsequent to the filing of this Petition. Plaintiff has complied with all of the terms, conditions precedent and provisions of said Note and Mortgage, and is duly empowered to bring this suit. 6. The Note and Mortgage provide that if default be made in the observance of certain terms and conditions of said Note shall, at the option of the holder of the Note and without notice or demand, render the entire unpaid balance of said Note at once due and payable on said Note, the unpaid interest thereon and all expenditures of the Mortgagee made thereunder, with interest thereon, and to have said premises sold and the proceeds applied to the payment of the indebtedness secured thereby, together with all legal and necessary expenses and all costs. 7. On March 1, 2025, the Defendant(s), Elliot Wilson, Kelsie Wilson, failed to make payment as agreed in said Note and Mortgage. Defendant(s) has therefore defaulted upon said Note and Mortgage, has failed to make sufficient payments to cure the default, and currently remains in default. In response to this default, Plaintiff accelerated all sums due under said Note and Mortgage. 8. Preliminarily to the bringing of this action, and as a necessary expense thereof, Plaintiff caused the abstract of title to be extended and certified to date, which costs are to be reimbursed by the Borrower under the terms of the Mortgage. 9. The Note provides that the makers shall pay the Noteholder a late charge. 10. After allowing all just credits, there is due to Plaintiff on said Note and Mortgage the principal sum of $245,506.05 with 7.7500% interest per annum thereon from February 1, 2025, until paid and late charges as provided in the note; for which amounts said Mortgage is a first, prior and superior lien upon the real estate and premises above described. 11. The Mortgage specifically provides that appraisement of said premises is expressly waived or not waived at the option of the mortgagee, and that such option is to be exercised at the time judgment is rendered in any foreclosure thereof. 12. Defendant(s), Unknown Occupant, if any, may claim some right, title and interest in and to the subject real estate. Any interest of any said Defendant(s) is junior and inferior to that of Plaintiff, and all said Defendant(s) shall come forward and so state their interest if any there be. 13. Defendant(s), United States of America ex rel. Secretary of Housing and Urban Development, may claim some right, title and interest in and to the subject real estate by way of a Partial Claim Mortgage recorded September 12, 2023 in Bok 15555 at Page 881, and a Partial Claim Mortgage recorded November 14, 2024 in Book 15923 at Page 1063. Any interest of any said Defendant(s) is junior and inferior to that of Plaintiff, and all said Defendant(s) shall come forward and so state their interest if any there be. 14. Defendant(s), Oklahoma Housing Finance Agency, may claim some right, title and interest in and to the subject real estate by way of a Subordinate Mortgage recorded December 8, 2022 in Book 15341 at Page 198. Any interest of any said Defendant(s) is junior and inferior to that of Plaintiff, and all said Defendant(s) shall come forward and so state their interest if any there be. 15. Defendant(s), Lien Solutions, may claim some right, title and interest in and to the subject real estate by way of a UCC Financing Statement recorded October 3, 2025 in Book 16248 at Page 368, and a UCC Financing Statement recorded September 19, 2025 in Book 16233 at Page 836. Any interest of any said Defendant(s) is junior and inferior to that of Plaintiff, and all said Defendant(s) shall come forward and so state their interest if any there be. WHEREFORE, Plaintiff prays for judgment in rem against all Defendant(s), and the aforementioned real estate, for the principal sum of $245,506.05 with interest thereon at 7.7500% interest per annum thereon from February 1, 2025 until paid; late charges, property inspections fees, BPOs fees, maintenance expenses, insufficient fund charges, escrow advances, real estate taxes, hazard insurance premiums, service fees, title expenses, loan charges, valuation fees, and any other expenses incurred by Plaintiff and chargeable under the terms of the Note and Mortgage; any amounts which Plaintiff may be required to advance for payment of taxes, insurance or preservation of the subject property; and any other expenses Plaintiff may incur subsequent to entry of judgment in this matter, together with all costs of this action including a reasonable attorney's fees. Plaintiff further prays all Defendants be required to appear and set forth any right, title claim or interest they have, or may have, in and to said real estate and premises, which they in any way claim is prior or superior to the Mortgage and lien of Plaintiff. Plaintiff further prays for judgment finding said Mortgage should be foreclosed; the same Mortgage be declared a valid first, prior and superior lien upon the real estate herein before described, in the amounts set forth above; ordering said real estate and premises sold, with or without appraisement, as Plaintiff shall elect at the time Judgment is rendered herein, as proved in said Mortgage, and by law, subject to any unpaid taxes, if any, to satisfy said Judgment; the proceeds arising therefrom be applied to the payment of the costs herein and to the payment and satisfaction of the Judgment, Mortgage and lien of Plaintiff, and the surplus, if any, be paid into the Court to abide the further order of the Court. Plaintiff further prays for judgment finding all right, title and interest of said Defendants, if any, in and to said real estate, be adjudged subject, inferior and junior, to the mortgage lien of Plaintiff, and that upon confirmation of said sale, Defendants herein, and all persons claiming by, through or under them since the commencement of this action, be forever barred, foreclosed and enjoined from asserting or claiming any right, title, interest, estate or equity of redemption in or to said premises, or any part thereof; and Plaintiff have such other and further relief as may be just and equitable. Respectfully submitted, ______________________________ Joseph H. Rogers, III, OBA# 21541 Arthur Demske, OBA# 35456 Bonial & Associates, P.C. 14841 Dallas Parkway, Suite 350 Dallas, Texas 75254 Phone: 1-800-766-7751 Fax: (405) 285-8951 Email: [email protected] WILKEUSB Attorneys for Plaintiff THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. THIS IS A COMMUNICATION TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. COLLATERAL CERTIFICATION Borrower Name: WILSON Loan Number: [REDACTED] Collateral File Documents NOTE ☒ Original ☐ Copy of Note ☐ Copy with Lost Note Affidavit Allonge/Endorsement ☐ Original ☐ Copy of Allonge/Endorsement MORTGAGE/DEED OF TRUST ☐ Original Recorded ☒ Copy of recorded Mortgage/Deed of Trust TITLE POLICY ☐ Original Title Policy ☐ Copy of Title Policy ASSIGNMENT 1 ☐ Original Recorded ☐ Copy of recorded Assignment Assignment Description: ASSIGNMENT 2 ☐ Original Recorded ☐ Copy of recorded Assignment Assignment Description: MODIFICATION AGREEMENT ☐ Original Recorded ☐ Copy of recorded Modification Agreement ☐ Original un-recorded ☐ Copy of un-recorded Modification Agreement LOCATION OF COLLATERAL FILE ☒ 800 Moreland St., Owensboro, KY 42301 ☐ 809 S. 60th Street, Suite 210, West Allis, WI 53214 I hereby certify that the collateral shown above for the stated borrower and loan number are being held at the location shown on this certification. NAME: Kara Conkwright DATE: 01/7/24 SIGNATURE: [signature] NOTE December 5, 2022 (Date) 1917 Willow Creek Rd Edmond, OK 73013-5937 (Property Address) Edmond, OKLAHOMA (City, State) 1. BORROWER'S PROMISE TO PAY In return for a loan that I have received, I promise to pay U.S. $250,282.00 (this amount is called "Principal"), plus interest, to the order of the Lender. The Lender is Gateway Mortgage, a division of Gateway First Bank. I will make all payments under this Note in the form of cash, check or money order. I understand that the Lender may transfer this Note. The Lender or anyone who takes this Note by transfer and who is entitled to receive payments under this Note is called the "Note Holder." 2. INTEREST Interest will be charged on unpaid principal until the full amount of Principal has been paid. I will pay interest at a yearly rate of 7.750%. The interest rate required by this Section 2 is the rate I will pay both before and after any default described in Section 6(B) of this Note. 3. PAYMENTS (A) Time and Place of Payments I will pay principal and interest by making a payment every month. I will make my monthly payment on the 1st day of each month beginning on February 1, 2023. I will make these payments every month until I have paid all of the principal and interest and any other charges described below that I may owe under this Note. Each monthly payment will be applied as of its scheduled due date and will be applied to interest and other items in the order described in the Security Instrument before Principal. If, on January 1, 2053, I still owe amounts under this Note, I will pay those amounts in full on that date, which is called the "Maturity Date." I will make my monthly payments at Gateway Mortgage, a division of Gateway First Bank 244 South Gateway Place Jenks, OK 74037 or at a different place if required by the Note Holder. (B) Amount of Monthly Payments My monthly payment will be in the amount of U.S. $1,793.05. 4. BORROWER'S RIGHT TO PREPAY I have the right to make payments of Principal at any time before they are due. A payment of Principal only is known as a "Prepayment." When I make a Prepayment, I will tell the Note Holder in writing that I am doing so. I may not designate a payment as a Prepayment if I have not made all the monthly payments due under the Note. I may make a full Prepayment or partial Prepayments without paying a Prepayment charge. The Note Holder will use my Prepayments to reduce the amount of Principal that I owe under this Note. However, the Note Holder may apply my Prepayment to any accrued and unpaid interest on the Prepayment amount before applying my Prepayment to reduce the Principal amount of the Note. If I make a partial Prepayment, there will be no changes in the due date or in the amount of my monthly payment unless the Note Holder agrees in writing to those changes. 5. LOAN CHARGES If a law, which applies to this loan and which sets maximum loan charges, is finally interpreted so that the interest or other loan charges collected or to be collected in connection with this loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from me which exceeded permitted limits will be refunded to me. The Note Holder may choose to make this refund by reducing the Principal I owe under this Note or by making a direct payment to me. If a refund reduces Principal, the reduction will be treated as a partial Prepayment. 6. BORROWER’S FAILURE TO PAY AS REQUIRED (A) Late Charge for Overdue Payments If the Note Holder has not received the full amount of any monthly payment by the end of 15 calendar days after the date it is due, I will pay a late charge to the Note Holder. The amount of the charge will be 4.000% of my overdue payment of principal and interest. I will pay this late charge promptly but only once on each late payment. (B) Default If I do not pay the full amount of each monthly payment on the date it is due, I will be in default. (C) Notice of Default If I am in default, the Note Holder may send me a written notice telling me that if I do not pay the overdue amount by a certain date, the Note Holder may require me to pay immediately the full amount of Principal which has not been paid and all the interest that I owe on that amount. That date must be at least 30 days after the date on which the notice is mailed to me or delivered by other means. (D) No Waiver By Note Holder Even if, at a time when I am in default, the Note Holder does not require me to pay immediately in full as described above, the Note Holder will still have the right to do so if I am in default at a later time. (E) Payment of Note Holder’s Costs and Expenses If the Note Holder has required me to pay immediately in full as described above, the Note Holder will have the right to be paid back by me for all of its costs and expenses in enforcing this Note to the extent not prohibited by applicable law. Those expenses include, for example, reasonable attorneys’ fees. 7. GIVING OF NOTICES Unless applicable law requires a different method, any notice that must be given to me under this Note will be given by delivering it or by mailing it by first class mail to me at the Property Address above or at a different address if I give the Note Holder a notice of my different address. Any notice that must be given to the Note Holder under this Note will be given by delivering it or by mailing it by first class mail to the Note Holder at the address stated in Section 3(A) above or at a different address if I am given a notice of that different address. 8. 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. The Note Holder may enforce its rights under this Note against each person individually or against all of us together. This means that any one of us may be required to pay all of the amounts owed under this Note. 9. WAIVERS I 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 the Note Holder to demand payment of amounts due. “Notice of Dishonor” means the right to require the Note Holder to give notice to other persons that amounts due have not been paid. 10. UNIFORM SECURED NOTE This Note is a uniform instrument with limited variations in some jurisdictions. In addition to the protections given to the Note Holder under this Note, a Mortgage, Deed of Trust, or Security Deed (the “Security Instrument”), dated the same date as this Note, protects the Note Holder from possible losses which might result if I do not keep the promises which I make in this Note. That Security Instrument describes how and under what conditions I may be required to make immediate payment in full of all amounts I owe under this Note. Some of those conditions are described as follows: 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, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 14 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED. Kelsie Wilson (Seal) Elliot Wilson (Seal) -Borrower -Borrower (Sign Original Only) Loan originator (Organization): Gateway Mortgage, a division of Gateway First Bank; NMLS #: 7233 Loan originator (Individual): Dustin Loehrs; NMLS #: 2032032 Pay to the order of: US Bank National Association Without Recourse Gateway Mortgage, a division of Gateway First Bank By: Kim Canady [ ] Jason McPherson SVP Post Closing & Transaction Mgmt [ ] Melinda Boysel Director, Collateral & Delivery [ ] Courtney Warren Senior Manager, Trailing Docs & Insuring [x] Kim Canady Supervisor, Doc Intake & Shipping Pay to the Order of ________________________________ Without Recourse U.S. Bank National Association Chad D. Butruff Vice President AKA STATEMENT Borrower Kelsie Wilson This is to certify that the undersigned BORROWER, whose name appears on documents related to the purchase and/or financing of the referenced property located at 1917 Willow Creek Rd, Edmond, OK 73013-5937, is one and the same person as: KELSIE APPLETON KELSIE E WILSON December 5, 2022 Date Kelsie Wilson State of Oklahoma County of Okahumpka This instrument was acknowledged before me on 12/5/22 by Kelsie Wilson. (Signature of Notary Officer) Title (and Rank) My commission expires: ________ My commission # ____________ (Seal, if any) AKA STATEMENT Borrower Elliot Wilson This is to certify that the undersigned BORROWER, whose name appears on documents related to the purchase and/or financing of the referenced property located at 1917 Willow Creek Rd, Edmond, OK 73013-5937, is one and the same person as: ELLIOt C WILSON December 5, 2022 Date Elliot Wilson State of Oklahoma County of Cleveland This instrument was acknowledged before me on 12/5/22 by Elliot Wilson. (Signature of Notary Officer) Title (and Rank) My commission expires: ____________ My commission # ____________________ (SEAL) STACEY J RAYCO #05060748 EXP 01/2025 STATE OF OKLAHOMA WHEN RECORDED, MAIL TO: Gateway Mortgage, a division of Gateway First Bank 244 South Gateway Place Jenks, OK 74037 This instrument was prepared by: Gateway Mortgage, a division of Gateway First Bank 244 South Gateway Place Jenks, OK 74037 NMLS# 7233; Originator: Dustin Loehrs, NMLS# 2032032 Loan Number: [Redacted] Received: $250.28 MTG TAX Rcpt #: [Redacted] Dated this 6th day of December, 2022. Forrest "Butch" Freeman Oklahoma Co. Treasurer By KSTEVEN, Deputy DefinitiONS Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 10, 12, 17, 19 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 15. (A) "Security Instrument" means this document, which is dated December 5, 2022, together with all Riders to this document. (B) "Borrower" is Kelsie Wilson AND Elliot Wilson wife and husband. Borrower is the mortgagor under this Security Instrument. (C) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the mortgagee under this Security Instrument. 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. (D) "Lender" is Gateway Mortgage, a division of Gateway First Bank, organized and existing under the laws of Oklahoma. Lender's address is 244 South Gateway Place, Jenks, OK 74037. (E) "Note" means the promissory note signed by Borrower and dated December 5, 2022. The Note states that Borrower owes Lender TWO HUNDRED FIFTY THOUSAND TWO HUNDRED EIGHTY-TWO AND NO/100 Dollars (U.S. $250,282.00) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than January 1, 2053. (F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (G) "Loan" means the debt evidenced by the Note, plus interest, late charges due under the Note, and all sums due under this Security Instrument, plus interest. (H) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower (check box as applicable): ☐ Adjustable Rate Rider ☐ Condominium Rider ☐ Planned Unit Development Rider ☐ Other(s) (specify): (I) "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. (J) "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. (K) "Electronic Funds 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 term includes, but is not limited to, point-of-sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (L) "Escrow Items" means those items that are described in Section 3. (M) "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) misrepresentations of, or omissions as to, the value and/or condition of the Property. (N) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (O) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts under Section 3 of this Security Instrument. (P) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. § 2601 et seq.) and its implementing regulation, Regulation X (12 C.F.R. Part 1024), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESPA" refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan" under RESPA. (Q) "Secretary" means the Secretary of the United States Department of Housing and Urban Development or his designee. (R) "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. 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 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 the County of Oklahoma: LOT THIRTY-FOUR (34), IN BLOCK EIGHT (8), OF WILLOW CREEK ADDITION, TO THE CITY OF EDMOND, OKLAHOMA COUNTY, OKLAHOMA, ACCORDING TO THE RECORDED PLAT THEREOF. Parcel ID Number: R182093090 which currently has the address of: 1917 Willow Creek Rd Edmond, OKLAHOMA 73013-5937 ("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 and canceling this Security Instrument. BORROWER COVENANTS that Borrower is lawfully seised 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. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest, Escrow Items, and Late Charges. Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and late charges due under the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and this Security Instrument shall be made in U.S. currency. However, 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; (c) 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 federal agency, instrumentality, or entity; or (d) Electronic Funds 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 14. Lender may return any payment or partial payment if the payment or partial payments are insufficient to bring the Loan current. Lender may accept any payment or partial payment insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial payments in the future, but Lender is not obligated to apply such payments at the time such payments are accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied funds. Lender may hold such unapplied funds until Borrower makes payment to bring the Loan current. If Borrower does not do so within a reasonable period of time, Lender shall either apply such funds or return them to Borrower. If not applied earlier, such funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure. No offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower from making payments due under the Note and this Security Instrument or performing the covenants and agreements secured by this Security Instrument. 2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all payments accepted and applied by Lender shall be applied in the following order of priority: First, to the Mortgage Insurance premiums to be paid by Lender to the Secretary or the monthly charge by the Secretary instead of the monthly mortgage insurance premiums; 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. Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due date, or change the amount of the Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due under the Note, until the Note is paid in full, a sum (the "Funds") to provide for payment of amounts due for: (a) taxes and assessments and other items which can attain priority over this Security Instrument as a lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c) premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance premiums to be paid by Lender to the Secretary or the monthly charge by the Secretary instead of the monthly Mortgage Insurance premiums. These items are called "Escrow Items." At origination or at any time during the term of the Loan, Lender may require that Community Association Dues, Fees, and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower’s obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower’s obligation to pay to Lender Funds for any or all Escrow Items at any time. Any such waiver may only be in writing. In the event of such waiver, Borrower shall pay directly, when and where payable, the amounts due for any Escrow Items for which payment of Funds has been waived by Lender and, if Lender requires, shall furnish to Lender receipts evidencing such payment within such time period as Lender may require. Borrower’s obligation to make such payments and to provide receipts shall for all purposes be deemed to be a covenant and agreement contained in this Security Instrument, as the phrase "covenant and agreement" is used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section 9 and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender any such amount. Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given in accordance with Section 14 and, upon such revocation, Borrower shall pay to Lender all Funds, and in such amounts, that are then required under this Section 3. Lender may, at any time, collect and hold Funds in an amount (a) sufficient to permit Lender to apply the Funds at the time specified under RESPA, and (b) not to exceed the maximum amount a lender can require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable Law. The Funds shall be held in an institution whose deposits are insured by a 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 shall apply the Funds to pay the Escrow Items no later than the time specified under RESPA. Lender shall not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such a charge. Unless an agreement is made in writing or Applicable Law requires interest to be paid on the Funds, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender can agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds as required by RESPA. If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to Borrower for the excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the shortage in accordance with RESPA, but in no more than 12 monthly payments. If there is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than 12 monthly payments. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to the Property which can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3. 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, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded; 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 can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter 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 and floods, for which Lender requires insurance. This insurance shall be maintained 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. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone determination, 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 which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or 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. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts 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 shall include a standard mortgage clause and shall name Lender as mortgagee and/or as additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall 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, provided that such inspection shall be undertaken promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters, or other third parties, retained by Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall 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 shall be applied in the order provided for in Section 2. If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance claim and related matters. If Borrower does not 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 either event, or if Lender acquires the Property under Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and (b) 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, insofar as such rights are applicable to the coverage of the Property. Lender may use the insurance proceeds either to repair or restore the Property or to pay amounts unpaid under the Note or this Security Instrument, whether or not then due. 6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within 60 days after the execution of this Security Instrument 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 this requirement shall cause undue hardship for the Borrower or unless extenuating circumstances exist which are beyond Borrower's control. 7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate or commit waste on the Property. Borrower shall maintain the Property in order to prevent the Property from deteriorating or decreasing in value due to its condition. Unless it is determined pursuant to Section 5 that repair or restoration is not economically feasible, Borrower shall promptly repair the Property if damaged to avoid further deterioration or damage. If insurance or condemnation proceeds are paid in connection with damage to, or the taking of, the Property, Borrower shall 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 single payment or in a series of progress payments as the work is completed. If the insurance or condemnation proceeds are not sufficient to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of such repair or restoration. If condemnation proceeds are paid in connection with the taking of the property, Lender shall apply such proceeds to the reduction of the indebtedness under the Note and this Security Instrument, first to any delinquent amounts, and then to payment of principal. Any application of the proceeds to the principal shall not extend or postpone the due date of the monthly payments or change the amount of such payments. Lender or its agent may make reasonable entries upon and inspections of the Property. If it has reasonable cause, Lender may inspect the interior of the improvements on the Property. Lender shall give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause. 8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application process, Borrower or any persons or entities acting at the direction of Borrower 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. Material representations include, but are not limited to, representations concerning Borrower's occupancy of the Property as Borrower's principal residence. 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b) there is a legal proceeding 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 which may attain priority over this Security Instrument or to enforce laws or regulations), or (c) 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 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 can include, but are not limited to: (a) paying any sums secured by a lien which has priority over this Security Instrument; (b) appearing in court; and (c) paying reasonable attorneys' fees to protect its interest in the Property and/or rights under this Security Instrument, including its secured position in a bankruptcy proceeding. Securing the Property includes, but is not limited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned on or off. Although Lender may take action under this Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or all actions authorized under this Section 9. Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall 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. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds. If the restoration or repair is not economically feasible or Lender's security would be lessened, the Miscellaneous Proceeds shall 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 shall be applied in the order provided for in Section 2. In the event of a total taking, destruction, or loss in value of the Property, the Miscellaneous Proceeds shall 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 in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before the partial taking, destruction, or loss in value divided by (b) the fair market value of the Property immediately before the partial taking, destruction, or loss in value. Any balance shall be paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is less than the amount of the sums secured immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are then due. If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opposing Party (as defined in the next sentence) offers to make an award to settle a claim for damages, Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized to collect and apply the Miscellaneous Proceeds either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due. "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard to Miscellaneous Proceeds. Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun 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 18, 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 impairment of Lender's interest in the Property or rights under this Security Instrument. The proceeds of any award or claim for damages that are attributable to the impairment of Lender's interest in the Property are hereby assigned and shall be paid to Lender. All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied in the order provided for in Section 2. 11. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender shall 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, shall not be a waiver of or preclude the exercise of any right or remedy. 12. Joint and Several Liability; Co-signers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who co-signs this Security Instrument but does not execute the Note (a "co-signer"): (a) is co-signing this Security Instrument only to mortgage, grant and convey the co-signer'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 can agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without the co-signer's consent. Subject to the provisions of Section 17, any Successor in Interest of Borrower who assumes Borrower's obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits under this Security Instrument. Borrower shall not be released from Borrower's obligations and liability under this Security Instrument unless Lender agrees to such release in writing. The covenants and agreements of this Security Instrument shall bind (except as provided in Section 19) and benefit the successors and assigns of Lender. 13. Loan Charges. Lender may charge Borrower fees for services performed in connection with Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument, including, but not limited to, attorneys' fees, property inspection and valuation fees. Lender may collect fees and charges authorized by the Secretary. Lender may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law. If the Loan is subject to a law which 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: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) 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 with no changes in the due date or in the monthly payment amount unless the Note holder agrees in writing to those changes. 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. 14. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. Except as otherwise required by Applicable Law, any notice to Borrower in connection with this Security Instrument shall be deemed to have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means. Notice to any one Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's change of address, then Borrower shall only report a change of address through that specified procedure. There may be only one designated notice address under this Security Instrument at any one time. Any notice to Lender shall be given by delivering it or by mailing it by first class mail to Lender's address stated herein unless Lender has designated another address by notice to Borrower. Any notice in connection with this Security Instrument shall not be deemed to have been given to Lender until actually received by Lender. If any notice required by this Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. 15. Governing Law; Severability; Rules of Construction. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. All rights and obligations contained in this Security Instrument are subject to any requirements and limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it might be silent, but such silence shall not be construed as a prohibition against agreement by contract. 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. As used in this Security Instrument: (a) words of the masculine gender shall mean and include corresponding neuter words or words of the feminine gender; (b) words in the singular shall mean and include the plural and vice versa; and (c) the word "may" gives sole discretion without any obligation to take any action. 16. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument. 17. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 17, "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 at a future date to a purchaser. 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, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 14 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 18. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower shall have the right to reinstatement of a mortgage. Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attorneys' fees, property inspection and valuation fees, and other fees incurred for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument; and (d) takes such action as Lender may reasonably require to assure that Lender's interest in the Property and rights under this Security Instrument, and Borrower's obligation to pay the sums secured by this Security Instrument, shall continue unchanged. However, Lender is not required to reinstate if: (i) Lender has accepted reinstatement after the commencement of foreclosure proceedings within two years immediately preceding the commencement of a current foreclosure proceedings; (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. Lender may require that Borrower pay such reinstatement sums and expenses in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) 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 federal agency, instrumentality or entity; or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, this Security Instrument and obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under Section 17. 19. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a partial interest in the Note (together with this Security Instrument) can be sold one or more times without prior notice to Borrower. A sale might result in a change in the entity (known as the "Loan Servicer") that collects Periodic Payments due under the Note and this Security Instrument and performs other mortgage loan servicing obligations under the Note, this Security Instrument, and Applicable Law. There also might be one or more changes of the Loan Servicer unrelated to a sale of the Note. 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 transfer of servicing. If the Note is sold and thereafter the Loan is serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser. Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an individual litigant or the member of a class) that arises from the other party's actions pursuant to this Security Instrument or that alleges that the other party has breached any provision of, or any duty owed by reason of, this Security Instrument, until such Borrower or Lender has notified the other party (with such notice given in compliance with the requirements of Section 14) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action. If Applicable Law provides a time period which must elapse before certain action can be taken, that time period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 17 shall be deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 19. 20. Borrower Not Third-Party Beneficiary to Contract of Insurance. Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower acknowledges and agrees that the Borrower is not a third party beneficiary to the contract of insurance between the Secretary and Lender, nor is Borrower entitled to enforce any agreement between Lender and the Secretary, unless explicitly authorized to do so by Applicable Law. 21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those substances defined as toxic or hazardous substances, pollutants, or wastes 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; (b) "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection; (c) "Environmental Cleanup" includes any response action, remedial action, or removal action, as defined in Environmental Law; and (d) an "Environmental Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property (a) that is in violation of any Environmental Law, (b) which creates an Environmental Condition, or (c) which, due to the presence, use, or release of a Hazardous Substance, creates a condition that adversely affects the value of the Property. 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 (including, but not limited to, hazardous substances in consumer products). Borrower shall promptly give Lender written notice of (a) 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, (b) any Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of release of any Hazardous Substance, and (c) any condition caused by the presence, use or release of a Hazardous Substance which 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 shall promptly take all necessary remedial actions in accordance with Environmental Law. Nothing herein shall create any obligation on Lender for an Environmental Cleanup. NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 22. Acceleration; Remedies. Lender shall give notice to Borrower as required by Applicable Law prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under Section 17 unless Applicable Law provides otherwise). The notice shall specify: (a) the default; (b) the action required to cure the default; (c) a date, not less than 35 days from the date the notice is given to Borrower, by which the default must be cured; (d) 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; and (e) any other information required by Applicable Law. The notice shall further inform Borrower of the right to reinstate after acceleration and the right to bring a court action to assert the non-existence of a default or any other defense of Borrower to acceleration and sale. If the default is not cured on or before the date specified in the notice, Lender at its option 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 shall be entitled to collect all costs and expenses incurred in pursuing the remedies provided in this Section 22, 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. 23. Release. Upon payment of all sums secured by this Security Instrument, Lender shall release this Security Instrument. Borrower shall pay any recordation costs unless Applicable Law provides otherwise. Lender may charge Borrower a fee for releasing this Security Instrument, but only if the fee is paid to a third party for services rendered and the charging of the fee is permitted under Applicable Law. 24. 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. 25. Assumption Fee. If there is an assumption of this loan, Lender may charge an assumption fee of Maximum allowed by the Secretary of HUD. 26. Notice of Power of Sale. 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 and covenants contained in this Security Instrument and in any Rider executed by Borrower and recorded with it. Witnesses: --------------------------------------------------------------- --------------------------------------------------------------- Witness Kelsie Wilson (Seal) -Borrower Elliot Wilson (Seal) -Borrower State of Oklahoma County of Cleveland This instrument was acknowledged before me on 12/15/2022 by Kelsie Wilson AND Elliot Wilson wife and husband. (name(s) of person(s)) (Signature of notarial officer) Title (and Rank) My commission expires: My commission # __________ (Seal, if any) STACEY J. ISAAC #0500748 EXP 01/20/25 STATE OF OLEOKNA Loan originator (Organization): Gateway Mortgage, a division of Gateway First Bank; NMLS #: 7233 Loan originator (Individual): Dustin Loehrs; NMLS #: 2032032 COLLATERAL CERTIFICATION Borrower Name: WILSON Loan Number: 9903270807 Collateral File Documents NOTE ☒ Original ☐ Copy of Note ☐ Copy with Lost Note Affidavit Allonge/Endorsement ☐ Original ☐ Copy of Allonge/Endorsement MORTGAGE/DEED OF TRUST ☐ Original Recorded ☐ Copy of recorded Mortgage/Deed of Trust TITLE POLICY ☐ Original Title Policy ☐ Copy of Title Policy ASSIGNMENT 1 ☐ Original Recorded ☐ Copy of recorded Assignment Assignment Description: ASSIGNMENT 2 ☐ Original Recorded ☐ Copy of recorded Assignment Assignment Description: MODIFICATION AGREEMENT ☐ Original Recorded ☐ Copy of recorded Modification Agreement ☐ Original un-recorded ☐ Copy of un-recorded Modification Agreement LOCATION OF COLLATERAL FILE ☒ 800 Moreland St., Owensboro, KY 42301 ☐ 809 S. 60th Street, Suite 210, West Allis, WI 53214 I hereby certify that the collateral shown above for the stated borrower and loan number are being held at the location shown on this certification. NAME: Kara Conkwright DATE: 2/17/2016 SIGNATURE: Multistate NOTE December 5, 2022 (Date) 1917 Willow Creek Rd Edmond, OK 73013-5937 (Property Address) NOTE MIN: 100287715006264977 9903270887 FHA Case Number: 421-6310616-000 Edmond, OKLAHOMA (City, State) 1. BORROWER'S PROMISE TO PAY In return for a loan that I have received, I promise to pay U.S. $250,282.00 (this amount is called "Principal"), plus interest, to the order of the Lender. The Lender is Gateway Mortgage, a division of Gateway First Bank. I will make all payments under this Note in the form of cash, check or money order. I understand that the Lender may transfer this Note. The Lender or anyone who takes this Note by transfer and who is entitled to receive payments under this Note is called the “Note Holder.” 2. INTEREST Interest will be charged on unpaid principal until the full amount of Principal has been paid. I will pay interest at a yearly rate of 7.750%. The interest rate required by this Section 2 is the rate I will pay both before and after any default described in Section 6(B) of this Note. 3. PAYMENTS (A) Time and Place of Payments I will pay principal and interest by making a payment every month. I will make my monthly payment on the 1st day of each month beginning on February 1, 2023. I will make these payments every month until I have paid all of the principal and interest and any other charges described below that I may owe under this Note. Each monthly payment will be applied as of its scheduled due date and will be applied to interest and other items in the order described in the Security Instrument before Principal. If, on January 1, 2053, I still owe amounts under this Note, I will pay those amounts in full on that date, which is called the “Maturity Date.” I will make my monthly payments at Gateway Mortgage, a division of Gateway First Bank 244 South Gateway Place Jenks, OK 74037 or at a different place if required by the Note Holder. (B) Amount of Monthly Payments My monthly payment will be in the amount of U.S. $1,793.05. 4. BORROWER'S RIGHT TO PREPAY I have the right to make payments of Principal at any time before they are due. A payment of Principal only is known as a “Prepayment.” When I make a Prepayment, I will tell the Note Holder in writing that I am doing so. I may not designate a payment as a Prepayment if I have not made all the monthly payments due under the Note. I may make a full Prepayment or partial Prepayments without paying a Prepayment charge. The Note Holder will use my Prepayments to reduce the amount of Principal that I owe under this Note. However, the Note Holder may apply my Prepayment to any accrued and unpaid interest on the Prepayment amount before applying my Prepayment to reduce the Principal amount of the Note. If I make a partial Prepayment, there will be no changes in the due date or in the amount of my monthly payment unless the Note Holder agrees in writing to those changes. 5. LOAN CHARGES If a law, which applies to this loan and which sets maximum loan charges, is finally interpreted so that the interest or other loan charges collected or to be collected in connection with this loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from me which exceeded permitted limits will be refunded to me. The Note Holder may choose to make this refund by reducing the Principal I owe under this Note or by making a direct payment to me. If a refund reduces Principal, the reduction will be treated as a partial Prepayment. 6. BORROWER'S FAILURE TO PAY AS REQUIRED (A) Late Charge for Overdue Payments If the Note Holder has not received the full amount of any monthly payment by the end of 15 calendar days after the date it is due, I will pay a late charge to the Note Holder. The amount of the charge will be 4.000% of my overdue payment of principal and interest. I will pay this late charge promptly but only once on each late payment. (B) Default If I do not pay the full amount of each monthly payment on the date it is due, I will be in default. (C) Notice of Default If I am in default, the Note Holder may send me a written notice telling me that if I do not pay the overdue amount by a certain date, the Note Holder may require me to pay immediately the full amount of Principal which has not been paid and all the interest that I owe on that amount. That date must be at least 30 days after the date on which the notice is mailed to me or delivered by other means. (D) No Waiver By Note Holder Even if, at a time when I am in default, the Note Holder does not require me to pay immediately in full as described above, the Note Holder will still have the right to do so if I am in default at a later time. (E) Payment of Note Holder's Costs and Expenses If the Note Holder has required me to pay immediately in full as described above, the Note Holder will have the right to be paid back by me for all of its costs and expenses in enforcing this Note to the extent not prohibited by applicable law. Those expenses include, for example, reasonable attorneys' fees. 7. GIVING OF NOTICES Unless applicable law requires a different method, any notice that must be given to me under this Note will be given by delivering it or by mailing it by first class mail to me at the Property Address above or at a different address if I give the Note Holder a notice of my different address. Any notice that must be given to the Note Holder under this Note will be given by delivering it or by mailing it by first class mail to the Note Holder at the address stated in Section 3(A) above or at a different address if I am given a notice of that different address. 8. 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. The Note Holder may enforce its rights under this Note against each person individually or against all of us together. This means that any one of us may be required to pay all of the amounts owed under this Note. 9. WAIVERS I 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 the Note Holder to demand payment of amounts due. "Notice of Dishonor" means the right to require the Note Holder to give notice to other persons that amounts due have not been paid. 10. UNIFORM SECURED NOTE This Note is a uniform instrument with limited variations in some jurisdictions. In addition to the protections given to the Note Holder under this Note, a Mortgage, Deed of Trust, or Security Deed (the "Security Instrument"), dated the same date as this Note, protects the Note Holder from possible losses which might result if I do not keep the promises which I make in this Note. That Security Instrument describes how and under what conditions I may be required to make immediate payment in full of all amounts I owe under this Note. Some of those conditions are described as follows: 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, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 14 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED. Kelsie Wilson (Seal) Elliot Wilson (Seal) -Borrower -Borrower (Sign Original Only) Loan originator (Organization): Gateway Mortgage, a division of Gateway First Bank; NMLS #: 7233 Loan originator (Individual): Dustin Loehrs; NMLS #: 2032032 Pay to the order of: US Bank National Association Without Recourse Gateway Mortgage, a division of Gateway First Bank By: [signature] Kim Canady ☐ Jason McPherson SVP Post Closing & Escrow/Doc Mgmt ☐ Melinda Boyssel Director, Collateral & Delivery ☐ Courtney Warren Senior Manager, Trailing Docs & Insuring ☑ Kim Canady Supervisor, Doc Intake & Shipping Pay to the Order of --------------------------------------------- Without Recourse U.S. Bank National Association --------------------------------------------- Chad D. Butruff Vice President AKA STATEMENT Borrower Kelsie Wilson This is to certify that the undersigned BORROWER, whose name appears on documents related to the purchase and/or financing of the referenced property located at 1917 Willow Creek Rd, Edmond, OK 73013-5937, is one and the same person as: KELSIE APPLETON KELSIE E WILSON December 5, 2022 Date State of Oklahoma County of Oklahoma This instrument was acknowledged before me on 12/5/2022 by Kelsie Wilson. (Signature of notarial officer) Title (and Rank) My commission expires: My commission # [Signature] Kelsie Wilson AKA STATEMENT Borrower Elliot Wilson This is to certify that the undersigned BORROWER, whose name appears on documents related to the purchase and/or financing of the referenced property located at 1917 Willow Creek Rd, Edmond, OK 73013-5937, is one and the same person as: ELLIOT C WILSON December 5, 2022 Date Elliot Wilson State of Oklahoma County of Cleveland This instrument was acknowledged before me on 12/5/22 by Elliot Wilson. (name(s) of person(s)) (Signature of Notary Officer) Title (and Rank) My commission expires: My commission # (Seal, if any) Page 1 of 1 When Recorded Return To: U.S. Bank National Association C/O Nationwide Title Clearing, LLC 2100 Alt. 19 North Palm Harbor, FL 34683 Loan Number 9903270807 Investor ID K49 ASSIGNMENT OF MORTGAGE FOR GOOD AND VALUABLE CONSIDERATION, the sufficiency of which is hereby acknowledged, the undersigned, MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. ("MERS"), AS MORTGAGEE, AS NOMINEE FOR GATEWAY MORTGAGE, A DIVISION OF GATEWAY FIRST BANK, ITS SUCCESSORS AND ASSIGNS, (ASSIGNOR), (MERS Address: P.O. Box 2026, Flint, Michigan 48501-2026) by these presents does convey, grant, assign, transfer and set over the described Mortgage, all liens, and any rights due or to become due thereon to U.S. BANK NATIONAL ASSOCIATION, WHOSE ADDRESS IS 4801 FREDERICA STREET, OWENSBORO, KY 42301, ITS SUCCESSORS AND ASSIGNS, (ASSIGNEE). Said Mortgage bearing the date 12/05/2022, made by KELSIE WILSON AND ELLIOT WILSON WIFE AND HUSBAND (current owner) to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS MORTGAGEE, AS NOMINEE FOR GATEWAY MORTGAGE, A DIVISION OF GATEWAY FIRST BANK, ITS SUCCESSORS AND ASSIGNS, and recorded in Book 15341 and Page 188, in the records of the County Clerk of OKLAHOMA County, OKLAHOMA, to wit; LOT THIRTY-FOUR (34), IN BLOCK EIGHT (8), OF WILLOW CREEK ADDITION, TO THE CITY OF EDMOND, OKLAHOMA COUNTY, OKLAHOMA, ACCORDING TO THE RECORDED PLAT THEREOF. IN WITNESS WHEREOF, MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. ("MERS"), AS MORTGAGEE, AS NOMINEE FOR GATEWAY MORTGAGE, A DIVISION OF GATEWAY FIRST BANK, ITS SUCCESSORS AND ASSIGNS has caused these presents to be signed by its VICE PRESIDENT this 28th day of February in the year 2023 MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. ("MERS"), AS MORTGAGEE, AS NOMINEE FOR GATEWAY MORTGAGE, A DIVISION OF GATEWAY FIRST BANK, ITS SUCCESSORS AND ASSIGNS By: ____________________________ April D. Ferguson VICE PRESIDENT STATE OF KENTUCKY COUNTY OF DAVIESS This foregoing instrument was acknowledged before me on this 28th day of February in the year 2023 by April D. Ferguson as VICE PRESIDENT of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. ("MERS"), AS MORTGAGEE, AS NOMINEE FOR GATEWAY MORTGAGE, A DIVISION OF GATEWAY FIRST BANK, ITS SUCCESSORS AND ASSIGNS. He/she/they is (are) personally known to me. Peri Butler Peri Butler Notary Public - STATE OF KENTUCKY Commission expires: 04/29/2023 Single Record Request Use this page to request a Certificate verifying Active Duty Status for an individual on a specified date. *Indicates a required field. Please note for a single record request an SSN OR Birthdate is required You may also enter BOTH an SSN and Birthdate *SSN *****8921 *Repeat SSN *****8921 *Birth Date MM/DD/YYYY (e.g 09/16/2012) *Last Name WILSON First Name KELSIE Middle Name Active Duty Status Date 02/27/2026 MM/DD/YYYY (The default will be set to today's date) Tips & Notes • Without a Social Security Number DMDC cannot authoritatively assert that this is the same individual that your query refers to Name and date of birth alone do not uniquely identify an individual • Check your data entry before submitting it • Response may take up to 15 seconds after clicking "Submit" Resources • Download Adobe Reader • Unexpected Results? This document was created solely by Quandis, Inc. using information submitted to SCRA. The information contained herein is for the exclusive and authorized use of the intended recipient. Department of Defense Manpower Data Center Status Report Pursuant to Servicemembers Civil Relief Act SSN: XXX-XX-XXXX Birth Date: Last Name: WILSON atty search First Name: KELSIE Middle Name: Status As Of: Feb-27-2026 Certificate ID: 36BK1KBSR21HVC3 <table> <tr> <th colspan="4">On Active Duty On Active Duty Status Date</th> </tr> <tr> <th>Active Duty Start Date</th> <th>Active Duty End Date</th> <th>Status</th> <th>Service Component</th> </tr> <tr> <td>NA</td> <td>NA</td> <td>No</td> <td>NA</td> </tr> <tr> <td colspan="4">This response reflects the individuals' active duty status based on the Active Duty Status Date</td> </tr> </table> <table> <tr> <th colspan="4">Left Active Duty Within 367 Days of Active Duty Status Date</th> </tr> <tr> <th>Active Duty Start Date</th> <th>Active Duty End Date</th> <th>Status</th> <th>Service Component</th> </tr> <tr> <td>NA</td> <td>NA</td> <td>No</td> <td>NA</td> </tr> <tr> <td colspan="4">This response reflects where the individual left active duty status within 367 days preceding the Active Duty Status Date</td> </tr> </table> <table> <tr> <th colspan="4">The Member or His/Her Unit Was Notified of a Future Call-Up to Active Duty on Active Duty Status Date</th> </tr> <tr> <th>Order Notification Start Date</th> <th>Order Notification End Date</th> <th>Status</th> <th>Service Component</th> </tr> <tr> <td>NA</td> <td>NA</td> <td>No</td> <td>NA</td> </tr> <tr> <td colspan="4">This response reflects whether the individual or his/her unit has received early notification to report for active duty</td> </tr> </table> Upon searching the data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, Space Force, NOAA, Public Health, and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense (DoD) that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Servicemembers Civil Relief Act (50 USC App. § 3901 et seq. as amended) (SCRA) (formerly known as the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced only a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual was on active duty for the active duty status date, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service. Service contact information can be found on the SCRA website's FAQ page (Q35) via this URL: https://scra.dmdc.osd.mil/scra/#/faqs. If you have evidence the person was on active duty for the active duty status date and you fail to obtain this additional Service verification, punitive provisions of the SCRA may be invoked against you. See 50 USC App. § 3921(c). This response reflects the following information: (1) The individual's Active Duty status on the Active Duty Status Date (2) Whether the individual left Active Duty status within 367 days preceding the Active Duty Status Date (3) Whether the individual or his/her unit received early notification to report for active duty on the Active Duty Status Date. More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC § 101(d) (1). Prior to 2010 only some of the active duty periods less than 30 consecutive days in length were available. In the case of a member of the National Guard, this includes service under a call to active service authorized by the President or the Secretary of Defense under 32 USC § 502(f) for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve (AGR) members must be assigned against an authorized mobilization position in the unit they support. This includes Navy Training and Administration of the Reserves (TARs), Marine Corps Active Reserve (ARs) and Coast Guard Reserve Program Administrator (RPAs). Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps). Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate. SCRA protections are for Title 10 and Title 14 active duty records for all the Uniformed Services periods. Title 32 periods of Active Duty are not covered by SCRA, as defined in accordance with 10 USC § 101(d)(1). Many times orders are amended to extend the period of active duty, which would extend SCRA protections. Persons seeking to rely on this website certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. Furthermore, some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted, but who have not actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of the SCRA extend beyond the last dates of active duty. Those who could rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected WARNING: This certificate was provided based on a last name, SSN/date of birth, and active duty status date provided by the requester. Providing erroneous information will cause an erroneous certificate to be provided. Single Record Request Use this page to request a Certificate verifying Active Duty Status for an individual on a specified date *Indicates a required field. Please note for a single record request an SSN OR Birthdate is required You may also enter BOTH an SSN and Birthdate *SSN ****1272 *Repeat SSN ****1272 *Birth Date MM/DD/YYYY (e.g 09/16/2012) *Last Name WILSON First Name ELLIOT Middle Name Active Duty Status Date 02/27/2026 MM/DD/YYYY (The default will be set to today’s date) Clear Submit Status Report Pursuant to Servicemembers Civil Relief Act SSN: XXX-XX-XXXX Birth Date: atty search Last Name: WILSON First Name: ELLIOT Middle Name: Status As Of: Feb-27-2026 Certificate ID: 09XNWX5YN41QFZF <table> <tr> <th colspan="4">On Active Duty On Active Duty Status Date</th> </tr> <tr> <th>Active Duty Start Date</th> <th>Active Duty End Date</th> <th>Status</th> <th>Service Component</th> </tr> <tr> <td>NA</td> <td>NA</td> <td>No</td> <td>NA</td> </tr> <tr> <td colspan="4">This response reflects the individuals' active duty status based on the Active Duty Status Date</td> </tr> </table> <table> <tr> <th colspan="4">Left Active Duty Within 367 Days of Active Duty Status Date</th> </tr> <tr> <th>Active Duty Start Date</th> <th>Active Duty End Date</th> <th>Status</th> <th>Service Component</th> </tr> <tr> <td>NA</td> <td>NA</td> <td>No</td> <td>NA</td> </tr> <tr> <td colspan="4">This response reflects where the individual left active duty status within 367 days preceding the Active Duty Status Date</td> </tr> </table> <table> <tr> <th colspan="4">The Member or His/Her Unit Was Notified of a Future Call-Up to Active Duty on Active Duty Status Date</th> </tr> <tr> <th>Order Notification Start Date</th> <th>Order Notification End Date</th> <th>Status</th> <th>Service Component</th> </tr> <tr> <td>NA</td> <td>NA</td> <td>No</td> <td>NA</td> </tr> <tr> <td colspan="4">This response reflects whether the individual or his/her unit has received early notification to report for active duty</td> </tr> </table> Upon searching the data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, Space Force, NOAA, Public Health, and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense (DoD) that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Servicemembers Civil Relief Act (50 USC App. § 3901 et seq, as amended) (SCRA) (formerly known as the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced only a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual was on active duty for the active duty status date, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service. Service contact information can be found on the SCRA website's FAQ page (Q35) via this URL: https://scra.dmdc.osd.mil/scra/#/faqs. If you have evidence the person was on active duty for the active duty status date and you fail to obtain this additional Service verification, punitive provisions of the SCRA may be invoked against you. See 50 USC App. § 3921(c). This response reflects the following information: (1) The individual's Active Duty status on the Active Duty Status Date (2) Whether the individual left Active Duty status within 367 days preceding the Active Duty Status Date (3) Whether the individual or his/her unit received early notification to report for active duty on the Active Duty Status Date. More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC § 101(d) (1). Prior to 2010 only some of the active duty periods less than 30 consecutive days in length were available. In the case of a member of the National Guard, this includes service under a call to active service authorized by the President or the Secretary of Defense under 32 USC § 502(f) for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve (AGR) members must be assigned against an authorized mobilization position in the unit they support. This includes Navy Training and Administration of the Reserves (TARs), Marine Corps Active Reserve (ARs) and Coast Guard Reserve Program Administrator (RPAs). Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps). Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate. SCRA protections are for Title 10 and Title 14 active duty records for all the Uniformed Services periods. Title 32 periods of Active Duty are not covered by SCRA, as defined in accordance with 10 USC § 101(d)(1). Many times orders are amended to extend the period of active duty, which would extend SCRA protections. Persons seeking to rely on this website certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. Furthermore, some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted, but who have not actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of the SCRA extend beyond the last dates of active duty. Those who could rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected WARNING: This certificate was provided based on a last name, SSN/date of birth, and active duty status date provided by the requester. Providing erroneous information will cause an erroneous certificate to be provided. Single Record Request Use this page to request a Certificate verifying Active Duty Status for an individual on a specified date. ** SSN is NOT required. Unless you are a financial institution or otherwise required to collect SSNs, you should not require individuals to provide you with their SSN for the sole purpose of conducting a query on this website. Searches can be conducted using Last Name and Date of Birth alone. Providing additional details such as First Name, Middle Name, or SSN, if already known, will increase the accuracy of the match. If you do provide SSN, Date of Birth is not required, however including it can further improve the accuracy of the match. **SSN 316138921 [✓ Show SSN] Repeat SSN 316138921 [✓ Show Repeated SSN] ** Date of Birth [Show] MM/DD/YYYY Last Name WILSON [✓] First Name Middle Name Active Duty Status Date 03/05/2026 Terms of Use Agreement Permissible Uses: Access to this website is restricted to financial institutions, collection agencies, and others with financial and legal transactions with eligible service members for the sole purpose of ensuring that those service members receive Servicemembers Civil Relief Act (SCRA) protections in accordance with 50 U.S.C. Chapter 50. All other use is strictly prohibited. VIOLATIONS OF THESE TERMS OF USE MAY RESULT IN IMMEDIATE TERMINATION OF ACCESS TO THE SERVICES OF THIS WEBSITE WITHOUT PRIOR NOTICE. UNAUTHORIZED ACCESS MAY SUBJECT YOU TO CRIMINAL PENALTIES INCLUDING POTENTIAL FINES AND IMPRISONMENT IF YOU MAKE A FALSE REPRESENTATION TO GAIN ACCESS TO THE SERVICES OFFERED ON THIS WEBSITE OR OBTAIN INFORMATION UNDER FALSE PRETENSES. 18 U.S.C. § 1001 By clicking the box marked "I Accept," you indicate that you have read and agree to the Terms of Use and that you certify, under penalty of perjury, that you are only using this website for the permissible uses identified in this Agreement. Tips & Notes • Without a Social Security Number, DMDC cannot authoritatively assert that this is the same individual that your query refers to. Name and date of birth alone do not uniquely identify an individual. • Check your data entry before submitting it. • Response may take up to 15 seconds after clicking "Submit". Resources • Download Adobe Reader (https://get.adobe.com/reader/) • Unexpected Results? Privacy Notice (/scra/services/content/documents/privacyActNotice) No Fear Act Notice (https://www.disa.mil/About/Legal-and-Regulatory/No-Fear-Act) USA.Gov (https://www.usa.gov/) Department of Defense Manpower Data Center Status Report Pursuant to Servicemembers Civil Relief Act SSN: XXX-XX-8921 Birth Date: Last Name: WILSON First Name: Middle Name: Status As Of: Mar-05-2026 Certificate ID: PHG72LV73LGB0Y5 <table> <tr> <th colspan="4">On Active Duty On Active Duty Status Date</th> </tr> <tr> <th>Active Duty Start Date</th> <th>Active Duty End Date</th> <th>Status</th> <th>Service Component</th> </tr> <tr> <td>NA</td> <td>NA</td> <td>No</td> <td>NA</td> </tr> <tr> <td colspan="4">This response reflects the individuals' active duty status based on the Active Duty Status Date</td> </tr> </table> <table> <tr> <th colspan="4">Left Active Duty Within 367 Days of Active Duty Status Date</th> </tr> <tr> <th>Active Duty Start Date</th> <th>Active Duty End Date</th> <th>Status</th> <th>Service Component</th> </tr> <tr> <td>NA</td> <td>NA</td> <td>No</td> <td>NA</td> </tr> <tr> <td colspan="4">This response reflects where the individual left active duty status within 367 days preceding the Active Duty Status Date</td> </tr> </table> <table> <tr> <th colspan="4">The Member or His/Her Unit Was Notified of a Future Call-Up to Active Duty on Active Duty Status Date</th> </tr> <tr> <th>Order Notification Start Date</th> <th>Order Notification End Date</th> <th>Status</th> <th>Service Component</th> </tr> <tr> <td>NA</td> <td>NA</td> <td>No</td> <td>NA</td> </tr> <tr> <td colspan="4">This response reflects whether the individual or his/her unit has received early notification to report for active duty</td> </tr> </table> Upon searching the data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, Space Force, NOAA, Public Health, and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense (DoD) that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Servicemembers Civil Relief Act (50 USC App. § 3901 et seq, as amended) (SCRA) (formerly known as the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced only a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual was on active duty for the active duty status date, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service. Service contact information can be found on the SCRA website's FAQ page (Q35) via this URL: https://scra.dmdc.osd.mil/scra/#/faqs. If you have evidence the person was on active duty for the active duty status date and you fail to obtain this additional Service verification, punitive provisions of the SCRA may be invoked against you. See 50 USC App. § 3921(c). This response reflects the following information: (1) The individual's Active Duty status on the Active Duty Status Date (2) Whether the individual left Active Duty status within 367 days preceding the Active Duty Status Date (3) Whether the individual or his/her unit received early notification to report for active duty on the Active Duty Status Date. More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC § 101(d) (1). Prior to 2010 only some of the active duty periods less than 30 consecutive days in length were available. In the case of a member of the National Guard, this includes service under a call to active service authorized by the President or the Secretary of Defense under 32 USC § 502(f) for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve (AGR) members must be assigned against an authorized mobilization position in the unit they support. This includes Navy Training and Administration of the Reserves (TARs), Marine Corps Active Reserve (ARs) and Coast Guard Reserve Program Administrator (RPAs). Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps). Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate. SCRA protections are for Title 10 and Title 14 active duty records for all the Uniformed Services periods. Title 32 periods of Active Duty are not covered by SCRA, as defined in accordance with 10 USC § 101(d)(1). Many times orders are amended to extend the period of active duty, which would extend SCRA protections. Persons seeking to rely on this website certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. Furthermore, some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted, but who have not actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of the SCRA extend beyond the last dates of active duty. Those who could rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected WARNING: This certificate was provided based on a last name, SSN/date of birth, and active duty status date provided by the requester. Providing erroneous information will cause an erroneous certificate to be provided. Single Record Request Use this page to request a Certificate verifying Active Duty Status for an individual on a specified date. ** SSN is NOT required. Unless you are a financial institution or otherwise required to collect SSNs, you should not require individuals to provide you with their SSN for the sole purpose of conducting a query on this website. Searches can be conducted using Last Name and Date of Birth alone. Providing additional details such as First Name, Middle Name, or SSN, if already known, will increase the accuracy of the match. If you do provide SSN, Date of Birth is not required, however including it can further improve the accuracy of the match. **SSN 307151272 ☑ Show SSN Repeat SSN 307151272 ☑ Show Repeated SSN **Date of Birth MM/DD/YYYY ☐ Show Last Name WILSON First Name Middle Name Active Duty Status Date 03/05/2026 Terms of Use Agreement Permissible Uses: Access to this website is restricted to financial institutions, collection agencies, and others with financial and legal transactions with eligible service members for the sole purpose of ensuring that those service members receive Servicemembers Civil Relief Act (SCRA) protections in accordance with 50 U .S.C. Chapter 50. All other use is strictly prohibited. VIOLATIONS OF THESE TERMS OF USE MAY RESULT IN IMMEDIATE TERMINATION OF ACCESS TO THE SERVICES OF THIS WEBSITE WITHOUT PRIOR NOTICE. UNAUTHORIZED ACCESS MAY SUBJECT YOU TO CRIMINAL PENALTIES INCLUDING POTENTIAL FINES AND IMPRISONMENT IF YOU MAKE A FALSE REPRESENTATION TO GAIN ACCESS TO THE SERVICES OFFERED ON THIS WEBSITE OR OBTAIN INFORMATION UNDER FALSE PRETENSES. 18 U.S.C. § 1001 By clicking the box marked "I Accept," you indicate that you have read and agree to the Terms of Use and that you certify, under penalty of perjury, that you are only using this website for the permissible uses identified in this Agreement. Tips & Notes • Without a Social Security Number, DMDC cannot authoritatively assert that this is the same individual that your query refers to. Name and date of birth alone do not uniquely identify an individual. • Check your data entry before submitting it. • Response may take up to 15 seconds after clicking "Submit". Resources • Download Adobe Reader (https://get.adobe.com/reader/) • Unexpected Results? Privacy Notice (/scra/services/content/documents/privacyActNotice) No Fear Act Notice (https://www.disa.mil/About/Legal-and-Regulatory/No-Fear-Act) USA.Gov (https://www.usa.gov/) Status Report Pursuant to Servicemembers Civil Relief Act SSN: XXX-XX-1272 Birth Date: Last Name: WILSON First Name: Middle Name: Status As Of: Mar-05-2026 Certificate ID: 13NM13P5ZRQJYKS <table> <tr> <th colspan="4">On Active Duty On Active Duty Status Date</th> </tr> <tr> <th>Active Duty Start Date</th> <th>Active Duty End Date</th> <th>Status</th> <th>Service Component</th> </tr> <tr> <td>NA</td> <td>NA</td> <td>No</td> <td>NA</td> </tr> <tr> <td colspan="4">This response reflects the individuals' active duty status based on the Active Duty Status Date</td> </tr> </table> <table> <tr> <th colspan="4">Left Active Duty Within 367 Days of Active Duty Status Date</th> </tr> <tr> <th>Active Duty Start Date</th> <th>Active Duty End Date</th> <th>Status</th> <th>Service Component</th> </tr> <tr> <td>NA</td> <td>NA</td> <td>No</td> <td>NA</td> </tr> <tr> <td colspan="4">This response reflects where the individual left active duty status within 367 days preceding the Active Duty Status Date</td> </tr> </table> <table> <tr> <th colspan="4">The Member or His/Her Unit Was Notified of a Future Call-Up to Active Duty on Active Duty Status Date</th> </tr> <tr> <th>Order Notification Start Date</th> <th>Order Notification End Date</th> <th>Status</th> <th>Service Component</th> </tr> <tr> <td>NA</td> <td>NA</td> <td>No</td> <td>NA</td> </tr> <tr> <td colspan="4">This response reflects whether the individual or his/her unit has received early notification to report for active duty</td> </tr> </table> Upon searching the data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, Space Force, NOAA, Public Health, and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense (DoD) that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Servicemembers Civil Relief Act (50 USC App. § 3901 et seq, as amended) (SCRA) (formerly known as the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced only a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual was on active duty for the active duty status date, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service. Service contact information can be found on the SCRA website's FAQ page (Q35) via this URL: https://scra.dmdc.osd.mil/scra/#/faqs. If you have evidence the person was on active duty for the active duty status date and you fail to obtain this additional Service verification, punitive provisions of the SCRA may be invoked against you. See 50 USC App. § 3921(c). This response reflects the following information: (1) The individual's Active Duty status on the Active Duty Status Date (2) Whether the individual left Active Duty status within 367 days preceding the Active Duty Status Date (3) Whether the individual or his/her unit received early notification to report for active duty on the Active Duty Status Date. More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC § 101(d)(1). Prior to 2010 only some of the active duty periods less than 30 consecutive days in length were available. In the case of a member of the National Guard, this includes service under a call to active service authorized by the President or the Secretary of Defense under 32 USC § 502(f) for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve (AGR) members must be assigned against an authorized mobilization position in the unit they support. This includes Navy Training and Administration of the Reserves (TARs), Marine Corps Active Reserve (ARs) and Coast Guard Reserve Program Administrator (RPAs). Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps). Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate. SCRA protections are for Title 10 and Title 14 active duty records for all the Uniformed Services periods. Title 32 periods of Active Duty are not covered by SCRA, as defined in accordance with 10 USC § 101(d)(1). Many times orders are amended to extend the period of active duty, which would extend SCRA protections. Persons seeking to rely on this website certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. Furthermore, some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted, but who have not actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of the SCRA extend beyond the last dates of active duty. Those who could rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected WARNING: This certificate was provided based on a last name, SSN/date of birth, and active duty status date provided by the requester. Providing erroneous information will cause an erroneous certificate to be provided. Consolidated Notes Log (NOTS) 9903270807 CONSOLIDATED NOTES LOG 03/05/26 08:53:24 K WILSON L:R F:A B:C R: DUE 03/01/25 TYPE F.H.A. ANA Y ARM Y ASM Y BLN Y BNK Y CCN Y COL Y ELC Y FOR Y HAZ Y LMT Y OCP MIP Y PIF Y PMT Y REO Y SER Y TAX Y TSK Y PIR Y DATE: MMDDYY PRINT: MSR Y YEN Y DTL Y * PF8 FOR MORE *------------------------------------------------------------- FOR 030526 XQJ REVIEWED ACCOUNT FOR SCRA REVDOO COL 030526 2GU REVIEWED ACCT SER 030426 WEB VPR BOND NOT REQ'D BONDNO UPDATED BY MCS SER 030426 WEB VPR NOT REQ'D VPRNOT UPDATED BY MCS FOR 030426 (S4 CUSTOMDEV DMC - FORECLOSURE (NIE ID# 147829816) SENT TO BONIAL & ASSOCIATES, P.C. AT 3/4/2026 10:36:05 AM BY TERESA SKINNER FOR 030426 (S4 TERESA SKINNER - PROCESS OPENED 3/4/2026 BY USER TERESA SKINNER. FOR 030426 (S4 TERESA SKINNER - USER HAS UPDATED THE SYSTEM FOR THE FOLLOWING EVENT: PETITION uploaded FOR CLIENT APPROVAL, COMPLETED ON 3/4/2026 AUTOCLOSE FROM DDF FOR 030426 (S4 TERESA SKINNER - USER HAS COMPLETED THE QA UPLOAD DATA FORM WITH THE FOLLOWING ENTRIES: UPLOAD FOR3 9903270807 FOR TRACKING 8Z4 K50/537 03/04/26 08:40:43 K WILSON L:R F:A B:C R: 03/01/25 TYPE F.H.A. 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M:F F:1 1917 WILLOW CREEK RD EDMOND OK 73013-5937 FHA# 703 421-6310616 ------------------------------------------------------------------------<MORE- ACT SCHED ACTUAL STEP STEP DESCRIPTION PRED FLT COST G R C L F P T 101926 218 CONVEYANCE DEADLINE 222 30 091926 209 CLEAN OUT ORDERED 222 0 100926 026 FIRST TIME ICC 209 20 082026 227 TITLE CLEAR 837 30 100926 210 IN CONVEYANCE CONDITION 209 20 110826 848 CONVEYANCE 27011-A 210 30 * 6 110826 849 DEED RECORDED TO INVESTOR 848 0 * 110826 212 CANCEL HAZARD INSURANCE 848 0 110826 211 CANCEL PROPERTY TAXES 212 0 110826 213 CANCEL PROP MAINTENANCE 212 0 111526 103 ACQUISITION CHECK REC'ED 848 7 122326 100 FINAL TITLE SUBMITTED 848 45 010627 214 TITLE APPROVAL REC'ED 100 14 012027 875 FINAL FHA/VA CLAIM SUBMIT 214 14 * 7 012727 104 CLAIM PYMT REC'ED 875 7 * 012727 105 WRITE OFF DATE 104 0 * 9 MAS1 LOAN 9903270807 MSP LOAN MASTER MAINT. DISPLAY 03/04/26 08:41:21 NAME K WILSON TYPE 11 1ST MTG,FHA RESIDENTIAL -- ADD4 -- ADDITIONAL CONTACT INFORMATION ----------------------------(PAGE 4)-- NON-OBLIGOR #1: DELETE: EXP DATE: NAME: CD TYPE ADDR1: ADDR2: STREET: CITY/ST: ZIP: CAR-RT: FOR ADDR N COMMENT: TEL#: EXT NON-OBLIGOR #2: DELETE: EXP DATE: NAME: CD TYPE ADDR1: ADDR2: STREET: CITY/ST: ZIP: CAR-RT: FOR ADDR N COMMENT: TEL#: EXT ---------------------------* ADDITIONAL MESSAGES *------------------(PF7/PF8: MORE)- -=SPOC=- PRESS PF14 FOR MEMOS PLS-CLIENT 002 LOAN LOSS MIT IND = Z PENDING REVIEW DISCHARGED CH7 BANKRUPTCY COMPLETED CH 7 BANKRUPTCY 3/5/2026 MAS1 LOAN 9903270807 MSP LOAN MASTER MAINT. & DISPLAY 03/04/26 08:41:22 NAME K WILSON TYPE 11 1ST MTG,FHA RESIDENTIAL GROUP -- NOT1 -- NOTE, CLOSING ---------------------------------------------------------------------- INTEREST PRINCIPAL ORIG MTG GROSS MOD MTG LOAN NEXT PYMT LOAN RATE % BALANCE AMOUNT AMOUNT TERM NUMBER TYPE 7.75000 245506.05 250282 246120 360 026 11 (WHOLE DOLLARS) CHARGE-OFF BAL CHARGE-OFF DATE MMDDYY CLOSING NOTE MATURITY PAYMENT 1ST PAYMT DATE DATE DATE DUE DATE DATE 120522 120522 0153 030125 020123 (MMDDYY) (MMDDYY) (MMYY) (MMDDYY) (MMDDYY) FUNDING DATE 121522 (MMDDYY) INTEREST DUE ESCROW DUE ORIGINATION RE COURSE PAYOFF FROM CLOSING FROM CLOSING FEE FLAG DATE EFF DATE .00 .00 (S,P) (MMYY) -------------------------* ADDITIONAL MESSAGES *-------------------------- -=SPOC=- PRESS PF14 FOR MEMOS PLS-CLIENT 002 LOAN LOSS MIT IND = Z PENDING REVIEW DISCHARGED CH7 BANKRUPTCY COMPLETED CH 7 BANKRUPTCY MAS1 LOAN 9903270807 MSP LOAN MASTER MAINT. & DISPLAY 03/04/26 08:41:23 NAME K WILSON TYPE 11 1ST MTG,FHA RESIDENTIAL GROUP -- USR3 -- EXPANDED USER FIELDS ------------------------- PF8: PAGE THREE --- 2 MONTHLY PROP H4HH COMPLET HMP2 SUB RECRS REMEDIA GROSS DT RPT DBT PMT VAL COD STRT DT HMP MOD DENIAL STAT INDEM TION INCOME OFFCL θ PIGGYBK LINK DATE # MONTH MOD ACTV IN PST MOD HMP2 CD DT RTD2 DT RPTD CHRGOFF LIEN EXTEND EXTENDD EXEC DT HLP/DMM B E DTI DECLINE TRIAL TRIAL H4HH VALUE VALUE LMFCLP TRIAL LM CFPB MATURED CODE NT S/S DT RT2 TERM DT TYPE DATE EXEC DT OBL MET LOAN ELIGIBL DENIAL OFFCL (MMDDYY) (MMDDYY) DT HAMP MA HAMP LOSS MI LM DENY COBORRW HMP NON HMP CD DIL H4HH ENDED NOTE CASE # DENIAL DATE FICO APRRVAL DECLINE DENIAL PROGRAM (MMDDYY) (MMDDYY) VALUE DLM IND HFA FHA SFLS TX50A6 TRIAL MI MTHY AMOUNT HAFA LIEN CD HLDR ID FLAG ORIG PMT AMT PMT AMT M87 16001 171.96 * ADDITIONAL MESSAGES * 999.99- 999.99- 99999.99- 99999.99- --=SPOC=- PRESS PF14 FOR MEMOS PLS-CLIENT 002 LOAN LOS MIT IND = Z PENDING REVIEW DISCHARGED CH7 BANKRUPTCY COMPLETED CH 7 BANKRUPTCY LMTN 9903270807 LMT PROCESS NOTES R ERS K50/537 03/04/26 08:41:25 K WILSON TRIAL DOCS SENT 03/01/25 TYPE F.H.A. MAN F 1917 WILLOW CREEK RD EDMOND OK 73013-5937 01/26/26 ------------------------* PROCESS NOTES *------------------------- 01/26/26 10:01:14 7ZY QC APPROVES LOSS MIT REVIEW CANCELLATION LETTER. R EVIEW ID: 166009495 01/22/26 13:58:04 5BZ IB CLL FRM MRGR1 MRS WANTED TO INFRM US THT THE PR PTY IS VACANT AND THT THEY SURRNDER IT IN THE BNKR PTCY SAID THT HER ATTRNY TOLD HER TO INFRM US OF T HE VACANCY FOR THE PAST 2 MTHS AND ALL UTLITIES HA VE BEEN TURNED OFF AS WELL I OPN REQTS FOR MTGREJ TO CLOSE OUT FRBR PLN MRS HAS NO OTHR QTNS 12/23/25 10:58:26 TSZ WAITING FOR DOCS REPORT REVIEW COMPLETED SR. EVAL AGREE WITH WFD RVW: 12/19/25 02:03:28 (WD) EVALUATOR REVIEW: FILE ALREADY COMMITTED/DECISION READY IN LMSR.X96 IS ALSO CODED. RECEIVED LOSS MIT CORRESPONDENCE DOCUMENTS ARE NOT NEEDED FOR REVIE W AND NO OTHER LM DOCS RECEIVED LMT1 TYPE ACTIVE F OR SO NO ACTION NEEDED, FILE PLACED IN WFD 12/06/25 12:06:35 N4Z RM REVIEW: OB CALLING LIST/ CALLED #254-400-4304 L VM/ FOLLOW UP UNEMPLOYMENT FORB PLAN 11/15/25 11:37:14 4V8 FB REPORT. BWR IS BNK. CALLD ATTRNY 1000-LFT VM MSSG. 3/5/2026 PL05 ONLINE LETTERWRITER RUN DATE 03/04/26 TIME 08:41:26 LETTER LOG HISTORY FILE DATE 03/05/26 LOAN NUMBER: 9903270807 <table> <tr> <th>DATE</th> <th>LETTER</th> <th>VER</th> <th>REQ</th> <th>DESCRIPTION</th> <th>STAT</th> </tr> <tr> <td>03/03/26</td> <td>NH XC113</td> <td>001</td> <td>VEN</td> <td>5 Day Notice to Secu</td> <td>03/03/26</td> </tr> <tr> <td>03/03/26</td> <td>NH XC113</td> <td>001</td> <td>VEN</td> <td>5 Day Notice to Secu</td> <td>03/03/26</td> </tr> <tr> <td>03/02/26</td> <td>NH HZ008</td> <td>001</td> <td>351</td> <td>VAC RISK CHG TO BORR</td> <td>02/27/26</td> </tr> <tr> <td>03/02/26</td> <td>NH HZ007</td> <td>001</td> <td>351</td> <td>VAC RISK CHG TO CARR</td> <td>02/27/26</td> </tr> <tr> <td>02/09/26</td> <td>NH ST049</td> <td>001</td> <td>VEN</td> <td>BK CONTRACTUAL STMT</td> <td>02/08/26</td> </tr> <tr> <td>02/05/26</td> <td>NH DM673</td> <td>001</td> <td>VEN</td> <td>FB Expiration Notice</td> <td>02/05/26</td> </tr> <tr> <td>02/04/26</td> <td>NH XC505</td> <td>001</td> <td>VEN</td> <td>Early Intervent Not</td> <td>02/04/26</td> </tr> <tr> <td>02/04/26</td> <td>NH XC505</td> <td>001</td> <td>VEN</td> <td>Early Intervent Not</td> <td>02/04/26</td> </tr> <tr> <td>02/04/26</td> <td>NH FC130</td> <td>001</td> <td>VEN</td> <td>FC Atty Assigned</td> <td>02/04/26</td> </tr> <tr> <td>T 02/03/26</td> <td>CLOSE</td> <td></td> <td>VMU</td> <td>REFERRAL TO ATTORNEY</td> <td></td> </tr> <tr> <td>T 02/02/26</td> <td>OPEN</td> <td></td> <td>VMU</td> <td>REFERRAL TO ATTORNEY</td> <td></td> </tr> <tr> <td>T 02/02/26</td> <td>CLOSE</td> <td></td> <td>VMU</td> <td>ATTORNEY LOANSPHERE SET-UP</td> <td></td> </tr> <tr> <td>F 02/02/26</td> <td>BEGIN</td> <td></td> <td>VMU</td> <td>ACTIVE FORECLOSURE</td> <td></td> </tr> <tr> <td>T 01/30/26</td> <td>CLOSE</td> <td></td> <td>HIZ</td> <td>REF COM REVIEW FCL -FHA</td> <td></td> </tr> <tr> <td>T 01/30/26</td> <td>OPEN</td> <td></td> <td>HIZ</td> <td>ATTORNEY LOANSPHERE SET-UP</td> <td></td> </tr> <tr> <td>T 01/29/26</td> <td>OPEN</td> <td></td> <td>9UC</td> <td>REF COM REVIEW FCL -FHA</td> <td></td> </tr> <tr> <td>PF: 1 SC F</td> <td>3 SEL</td> <td></td> <td></td> <td>5 PRNT 6 YEND 7 DATA</td> <td></td> </tr> <tr> <td colspan="6">12 FAX 13 ELOC DATA</td> </tr> </table> 3/5/2026 TAX2 9903270807 TAX AND LIEN INFORMATION 03/04/26 08:41:27 312 01 NAME K WILSON TYPE F.H.A. TAX NAME KELSIE WILSON PENDING PROP 1917 WILLOW CREEK RD EDMOND OK 73013 ST 35 COU 109 CITY 0000 YR MAN F GROUP -----MAIN------------------------------------------------------------------------------------------- TYP SEQ PAYEE TRM DUE DISB AMOUNT BILL NEW UNEV SEP VP OVR ACTION 312 01 35109 12 12-26 2566.96 2 0 N Y TAX COMPANY T MORTGAGEE ID TAX ID 182093090 ------------------------* PF2 FOR ADDITIONAL MESSAGES *-------------------------- -=SPOC=- PRESS PF14 FOR MEMOS PLS-CLIENT 002 LOAN ACTIVE FORECLOSURE FULL SETTLEMENT 07/03/23 LOSS MIT IND = Z PENDING REVIEW ------------------------------------------ PF24: TO TAXC -------- ------- TAX PAYEE ------ --------- DISBURSEMENT AND REFUND HISTORY -------- OKLAHOMA COUNTY TYP PAYEE DUE PAID CHECK # AMOUNT 312 35109 12-25 12-09-25 WIRE 2566.96- 320 ROBERT S KERR RM 307 OKLAHOMA CITY OK 73102 MAS1 LOAN 9903270807 MSP LOAN MASTER MAINT. & DISPLAY 03/04/26 08:41:28 NAME K WILSON TYPE 11 1ST MTG,FHA RESIDENTIAL GROUP -- MERS -- MORTGAGE ELECTRONIC REGISTRATION -------------------------------------- --------- REGISTRATION INFORMATION ------ --- FORECLOSURE INFORMATION --- MERS ORIG ORG ID 1002877 MIN NO: 1002877 1500626497 7 REG? D MIN STAT CD 06 FORC STAT ORIG NOTE HLD NM GATEWAY FIRST BANK REG DATE: 02/28/23 MOM IND: Y DATE ASSIGN FR MERS: 02/28/23 ORIG DATE REG: MM/DD/YY INT FND ORG ID W/G LEND ORG ID FHLB/FRB NOTE TYPE ------ RECONCILIATION INFORMATION ------ ---- INSPECTION INFORMATION ----- PORTFOLIO RECONCILIATION P PPC ORG ID 1014158 DATA VALIDATION P PPC TRACKING ENOTE: STAT CD DEACT CD CONTROLLER LOCATION (PF5: MERH)--------------------------------------------------------------- -=SPOC=- LOSS MIT IND = Z PENDING REVIEW DISCHARGED CH7 BANKRUPTCY REMOVED LOSS MITIGATION 3/5/2026 MAS1 LOAN 9903270807 MSP LOAN MASTER MAINT. & DISPLAY 03/04/26 08:41:29 NAME K WILSON TYPE 11 1ST MTG,FHA RESIDENTIAL GROUP -- BOR1 -- ADDITIONAL CO-BORROWERS -----------------------------(PF8: MORE) BOR #1: SSN/TIN: GC EC: CBR: NAME2: SSN/TIN: GC EC: CBR: ADDR: ADDR: STREET: CTY/ST: ZIP: CAR-RT: FOREIGN ADD: TEL#: EXT CONS INFO1: CONS INFO2: DOB1: / / DOB2: / / DELETE: BOR #2: SSN/TIN: GC EC: CBR: NAME2: SSN/TIN: GC EC: CBR: ADDR: ADDR: STREET: CTY/ST: ZIP CAR-RT: FOREIGN ADD: TEL#: EXT CONS INFO1: CONS INFO2: DOB1: / / DOB2: / / DELETE: ------------------* ADDITIONAL MESSAGES *------------------ PRESS (PF6) TO LOCATE FIRST OPEN DATA ENTRY POSITION. PRESS (PF7/PF8) TO SCROLL UP/DOWN THRU CO-BORROWERS (1-9). -=SPOC=- PRESS PF14 FOR MEMOS 3/5/2026 MAS1 LOAN 9903270807 MSP LOAN MASTER MAINT. & DISPLAY 03/04/26 08:41:30 NAME K WILSON TYPE 11 1ST MTG,FHA RESIDENTIAL -- SEC1 -- PIGGYBACK 2ND MORTGAGE ------------------------------------------------------------- HI LO ORIGINAL PRINCIPAL INTEREST P&I DIST LOAN NEXT TYP TYP MTG AMT BALANCE RATE PAYMENT TYPE TERM PAY # 2 0 .00 .00000 .00 0 0 (1-9) (1,2) INV CAT INVESTOR ANNUAL LEVEL PERSON GENERATE DEFRD LOAN NUMBER SERV FEE SERV FEE CODE COUPONS BAL .000000 .00 0 (0,1,3,5) CURRENT PRIN BALANCE DATE ADJ (+/-) REASON ADJ BALANCE REDUCTION AMT .00 MMDDYY .00 .00 FORBEARANCE AMT .00 MMDDYY .00 .00 -----------------------------* ADDITIONAL MESSAGES ------------------------------ --SPOC=- PLS-CLIENT 002 LOAN PRESS PF14 FOR MEMOS DISCHARGED CH7 BANKRUPTCY LOSS MIT IND = Z PENDING REVIEW COMPLETED CH 7 BANKRUPTCY DLQ1 9903270807 QX DELINQUENCY OWNR n/a 03/04/26 08:41:31 11 F.H.A. PER/CLS/OFF F/ /LM AGE: 3Y 3M IR: 7.7500 INV: K50 DUE(13) 31,446.50 DUE 03/01/25(2)(02/10) ASSUM: ACQ:02/01/23 LATE CHRG 71.72 PAYMT @ 2,448.00 P: 1917 WILLOW CREEK RD BAD CK FEES .00 L/C AMT 71.72 EDMOND OK 73013 OTHER FEES .00 PAYMT + LC 2,519.72 M: TOT DUE 31,518.22* PRIN BAL 245,506.05 SUSPENSE .00 P&I 1,793.05 6907 LIONS PARK NET DUE 31,518.22 DLQ 1 TIME,PAY 32 DAY SAN ANTONIO TX 78252 C/S 003 KELSIE WILSON C1 PRI MOB MTGR1 254-400-4304 C/D 01/24 ELLIOT WILSON M2 MOBILE CO-MTGR2 254-400-4331 *PHONE NO* -IMD:N---------------------- * ADDITIONAL MESSAGES * -------------------WU: P ----- DISCHARGED CH7 BANKRUPTCY NEXT CONTACT DT 031026 -=SPOC=- PRESS PF14 FOR MEMOS -COM2----------------------* COMMENTS *---------------------------------------- DATE USR CONTACT RESPONSE REASON RECALL F/B REMIND MMDD26 030526 2GU REVIEWED ACCT 030326 PWM MTGR VRBL VAC MRTG VERBAL VACANT 030226 Y2I PST LEGAL REV 030226 LAX <CCURS AND USB GAINS POSSESSION> 030226 LAX <BWR CI WANTING TO CHECK ON THE FC STATUS, ADV FC ST> 3/5/2026 MSR1 9903270807 MILITARY SERVICE RELIEF WKST 03/04/26 08:41:32 K WILSON E WILSON 03/01/25 TYPE F.H.A. K50 / 537 TPB 245,506.05 IR 7.75000 P&I 1,793.05 B/D SUBSIDY 0.00 DT 1 -DAT1------------------------------------------* DATES ------------------------------------------ MS STAT: LAST UPDATED BY: DATE MM/DD/YY CURRENT MS RATE: DEL ORDER TYPE:ENF/ PROTECTION RPTG TERM DEPLOYMENT PROTECTION HEADER ORI/EXT/REL/CHG BEG DATE DATE MOS/WKS/DAYS END DATE END DATE MMDDYY MMDDYY MMDDYY MMDDYY MMDDYY PAYMENT DUE DATES DELETE NOTES: BEG DEPLOY END PROT END EST MMDDYY MMDDYY MMDDYY DTS -------------------------* ADDITIONAL MESSAGES *-------------------------- *** NEW MILITARY - ENTER INFO *** -=SPOC=- PRESS PF14 FOR MEMOS PLS-CLIENT 002 LOAN LOSS MIT IND = Z PENDING REVIEW -----~WWND------------------------* WORK WINDOWS *-----------------------(MORE) ACT1: CUSTOMER SERVICE ACTIVITY BILR: INDIVIDUAL BILL REQUEST CBR1: CREDIT BUREAU REPORTING DAT1: RELIEF PROTECTION DATES DAT2: DATES 2 DOD1: DEPARTMENT OF DEFENSE INFO: SERVICEMEMBER INFO LTRS: SEND LETTER NOTE: PROCESS NOTES PIM1: PERSON IN MILITARY PL18: ADD LETTER LOG HISTORY PMTA: FEE ADJUSTMENT MSR1 9903270807 MILITARY SERVICE RELIEF WKST 03/04/26 08:41:33 K WILSON E WILSON 03/01/25 TYPE F.H.A. TPB 245,506.05 IR 7.75000 P&I 1,793.05 B/D SUBSIDY 0.00 DT 1 K50 / 537 -DAT2-------------------------------*DATES 2*-------------------------- MS STAT: LAST UPDATED BY: DATE MM/DD/YY CURRENT MS RATE: DENIAL INVESTOR WAIVER OF RIGHTS FC PROT ATP DATE REASON NOTIFY REIMB DATE TYPE END DATE FC DATE MMDDYY MMDDYY MMDDYY MMDDYY MMDDYY MMDDYY ------------------------* ADDITIONAL MESSAGES *------------------------ *** NEW MILITARY - ENTER INFO *** --SPOC=-- PRESS PF14 FOR MEMOS PLS-CLIENT 002 LOAN LOSS MIT IND = Z PENDING REVIEW ----~WND-----------------* WORK WINDOWS *----------------------(MORE) ACT1: CUSTOMER SERVICE ACTIVITY BILR: INDIVIDUAL BILL REQUEST CBR1: CREDIT BUREAU REPORTING DAT1: RELIEF PROTECTION DATES DAT2: DATES 2 DOD1: DEPARTMENT OF DEFENSE INFO: SERVICEMEMBER INFO LTRS: SEND LETTER NOTE: PROCESS NOTES PIM1: PERSON IN MILITARY PL18: ADD LETTER LOG HISTORY PMTA: FEE ADJUSTMENT LMT1 9903270807 LMT SETUP R ERS K50/537 03/04/26 08:41:34 K WILSON TRIAL DOCS SENT 03/01/25 TYPE F.H.A. M:F F:1 1917 WILLOW CREEK RD EDMOND OK 73013-5937 GRP -STAT-------------------------------* STATUS *------------------------------- FILE L/M L/M STAT TEMPLATE PROC EXT STAGE TYPE REFERRAL LOCATION IND SPOC R LOSSMIT ERS L07 FOR ER67G Z 080 COMP/REMV APPROVED/ MOD PREV CLAIM SETUP DATE DENIED REASON EFF MOD TYP DFLT 050125 012826 012826 93 1224 16 16 ----------------------* ADDITIONAL MESSAGES *--------------------------- NEXT CONTACT DT 031026 PRESS PF14 FOR MEMOS PLS-CLIENT 002 LOAN LOSS MIT IND = Z PENDING REVIEW DISCHARGED CH7 BANKRUPTCY -----~DESC-----------------* LMT DESCRIPTIONS *-------------------------- LMT STATUS: REMOVAL 01-28-26 A/D REASN: BRW WITHDREW INTEREST LOSS TYPE: FOR RMVL DATE: 01-28-26 REFERRAL: ER67G APRV/DENY: 01-28-26 TEMPLATE: LOSSMIT DEFAULT: UNEMPLOYMENT ATTORNEY: PROP DAMG: LMT SETUP: 05-01-25 PROPRIETOR: DGG RE INVESTMENTS LLC PROCESSOR: EARLY RESOLUTION L/M SPOC: JENNIFER GARCIA SER1 9903270807 CUSTOMER SERVICE INV K50/537 03/04/26 08:41:34 KELSIE WILSON 316-13-8921 OC TYPE F.H.A. MAN F ELLIOT WILSON 307-15-1272 IR 7.75000 BR LM 254-400-4304 1917 WILLOW CREEK RD EDMOND OK 73013-5937 B 254-400-4331 BONDNO < VPR BOND NOT REQ'D >: 03/04/26 -----~LOAN----------------------* LOAN INFORMATION *------------------------- ---- 03/01/25 PMT --- LAST PAID DATE DUE AMOUNT (13 MONTHS) 1ST P&I 1793.05 PAYMENT WU: P *COUN TPY 235.93 HAZARD 11/12/25 12/25 3281.00- HOMESITE *HAZ 239.08 MIP/PMI 03/02/26 01/27 168.40- *MI 171.96 COUNTY 12/09/25 12/25 2566.96- *OV/SH 7.98 ESC DISB 03/18/25 00/00 109.18- CI .00 TOT PMT 2448.00 ANALYZED COUP MO 03/17/25 06 LC DUE 71.72 ------- BALANCES -------- OTH FEES .00 PRINCIPAL 245,506.05 BILL PROD TOT DUE 31518.22 ESCROW 6,382.89- 03/04/26 -- PENDING PAYMENT -- SUSPENSE .00 2025 PRN 411.00 06/25 2410.25 RES ESC .00 2025 TAX 2,566.96 .00 2025 INT 3,175.10 ---* PF2 FOR ADDL MESSAGES *------------------------------------------------------ NEXT CONTACT DT 031026 ==SPOC=- PRESS PF14 FOR MEMOS PLS-CLIENT 002 LOAN ACTIVE FORECLOSURE FULL SETTLEMENT 07/03/23 USER ID: LAST UPDATE: LIFE OF LOAN: <table> <tr> <th>MEMO#</th> <th>DESTINATION</th> <th>EXPIRATION DATE</th> <th>PROCESSING EXCEPTION (Y/N) Y</th> <th>USER DELETE (Y/N) N</th> <th>LAST UPDATED</th> </tr> <tr> <td>1</td> <td>ALL</td> <td>01/01/58</td> <td>(Y/N) Y</td> <td>(Y/N) N</td> <td>3WS 09/13/23</td> </tr> <tr> <td colspan="6">COMPLETED MOD: COVID RECOVERY<br>1ST PMT: 10/01/23<br>NEW MATURITY: 01/01/53<br>CAP: 0.00<br>PARTIAL CLAIM: 16569.28</td> </tr> </table> <table> <tr> <th>MEMO#</th> <th>DESTINATION</th> <th>EXPIRATION DATE</th> <th>PROCESSING EXCEPTION (Y/N) Y</th> <th>USER DELETE (Y/N) N</th> <th>LAST UPDATED</th> </tr> <tr> <td>2</td> <td>ALL</td> <td>01/01/58</td> <td>(Y/N) Y</td> <td>(Y/N) N</td> <td>4HJ 11/18/24</td> </tr> <tr> <td colspan="6">COMPLETED MOD: COVID RECOVERY<br>1ST PMT: 12/01/24<br>NEW MATURITY: 01/01/53<br>CAP: 0.00<br>PARTIAL CLAIM: 15340.10</td> </tr> </table> ADDITIONAL MEMO PAD DATA 3/5/2026 LMT3 9903270807 LMT TRACKING ERS K50/537 03/04/26 08:41:36 K WILSON L:R F:A B:C R: 03/01/25 TYPE F.H.A. M:F F:1 1917 WILLOW CREEK RD EDMOND OK 73013-5937 FHA# 703 421-6310616 ACT SCHED ACTUAL STEP STEP DESCRIPTION PRED FLT COST G R C L F P T 050225 050125 L01 LOAN SETUP IN WORKSTATION 1 * Z 050125 070725 G10 FILE CLAIM W/HUD OR USDA L01 0 200.00 050125 071025 G11 L.M. CLAIM PMT RECEIVED L01 0 200.00 050125 050825 L73 COMPLETE DOD SEARCH L01 0 050125 050825 X02 VERIFIED REV FOR JR LIENS L01 0 * 050125 050125 L92 LM APPLICATION RECEIVED L01 0 * 050125 050125 X96 GK 2ND RVW -PKG COMP L01 0 * 050125 050125 X49 PKG SUBSTL COMP L01 0 * 050125 050225 E22 PROCESSOR COMPLETED RVW L01 0 * 050125 050225 E36 ELIGIBLE FOR DECISION L01 0 * 050125 050825 E25 CALCULATE INCOME L01 0 * 050125 050825 H30 READY FOR UW CHECKER L01 0 050125 050825 E52 RUN MOD NEG/BITB/CALC L01 0 050125 050825 X04 DECISIONED - APPROVED L01 0 * 050125 050825 D64 UW VALID PROCEED 2 INVEST L01 0 050125 052625 D88 APPEAL EXPIRE DATE L01 0 050125 050925 X56 APPROVAL NOTIFICATION SNT L01 0 * 3/5/2026 TAX1 9903270807 TAX AND LIEN INFORMATION 03/04/26 08:41:37 NAME K WILSON DIV CONTRACT NUMBER BRANCH TYPE F.H.A. PT PT85070873 000 DATE 12-20-22 STATE 35 COUNTY 109 CITY 0000 TAX CO T SERV TYPE C NORM TYP SEQ ESC ANA DESC PAYEE TRM DUE DISB AMOUNT BILL NEW UNEVEN 312 01 COUNTY TAX 35109 12 12-26 2,566.96 2 0 TAX ID# 182093090 PDBA 9903270807 GRP XQJ PAYMENT DEFERRED INFORMATION 03/04/26 08:41:38 NAME K WILSON -PDBA--------EFF DT-----CURRENT BAL-TP---ADJUSTMENT-------UPDATED BAL-REASON PRINCIPAL MM/DD/YY .00 PR +_________.__ INTEREST MM/DD/YY .00 IN +_________.__ ESCROW ADV MM/DD/YY .00 EA +_________.__ CORP ADV MM/DD/YY .00 CA +_________.__ FEES MM/DD/YY .00 FE +_________.__ PREV INV PR MM/DD/YY .00 PP +_________.__ PREV INV IN MM/DD/YY .00 PI +_________.__ * ADDITIONAL MESSAGES * --SPOC=-- PRESS PF14 FOR MEMOS PLS-CLIENT 002 LOAN LOSS MIT IND = Z PENDING REVIEW DISCHARGED CH7 BANKRUPTCY COMPLETED CH 7 BANKRUPTCY -----~BALS----------------------* LOAN BALANCES *-------------------------- ESCROW .00 ESC ADV 6,382.89 DEF'D INT .00 SUSPENSE .00 LATE CHARGE 71.72 CAP STAT .00 RESTRICTED ESC .00 NSF .00 OTHER FEES .00 1ST PRIN 245,506.05 HUD .00 ANALYZED OVER/SHORT 2ND PRIN .00 REP RES .00 03/25 109.18 TOT PRIN 245,506.05 INT DUE .00 DEFICIT .00 CA MTGR RECOV 10,724.87 CA NREC 951.58- CA 3RD RECOV 30.00 DL PRC BAL .00 PMTDEF TOT .00 NBID 9903270807 NON-BORROWER INFORMATION 03/05/26 08:41:38 BWR NAME K WILSON INV K50/537 TYPE 11 F.H.A MAN F CUR PMT 03/01/25 PB 245,506.05 IR 7.75000 ----------------------- NON-BORROWER IDENTIFICATION AND TRACKING ---------------------- NB# 01 NAME SSN/TIN CZN X-ADDR1 DOB ASSOC BWR X-ADDR2 RELATIONSHIP X-ADDR3 NB TP STREET CITY/ST ZIP FA (Y/N) EMAIL1 EC EMAIL2 EC PHONE NO EXT CD C/R C/R DT M NTC TYPES PH#1 MMDDYY PROP OCC (Y/N) MMDDYY PH#2 MMDDYY SI RSN PH#3 MMDDYY SI 1ST CONTACT MMDDYY SI INSTRN MMDDYY ID VER MMDDYY SI CONF (Y/N) C-DT MMDDYY SI ACK SENT MMDDYY ACK RECD MMDDYY SI PROP: LG INT DT MMDDYY INTN ATTY KEY (NADD) ATTY NTC TYPES REM (Y) R/R (Q/V) LAST CHG BY DATE MMDDYY --- PF20 - PFKEYS ---------- PF2 - MORE MESSAGES -------------------------------------- --=SPOC=- PRESS PF14 FOR MEMOS DENI GROUP XQJ PRINCIPAL AND INTEREST ADJUSTMENTS 03/04/26 08:41:39 LOAN 9903270807 NAME K WILSON CURRENT ADJUSTMENT CORRECTED BALANCE AMOUNT BALANCE $ 245506.05 +0000000000.00 $ 0000000000.00 2ND PRINCIPAL BAL 0.00 +00000000.00 00000000.00 PAID YTD 0.00 +000000.00 00000000.00 INTEREST PAID YTD 0.00 +000000.00 00000000.00 DISCOUNT BAL 0.00 +000000.00 00000000.00 ORIGINAL DISCOUNT BAL 0.00 +00000000.00 00000000.00 INTEREST DUE BAL 0.00 +000000.00 00000000.00 DUE DATE 030125 +000 000000 (MMDDYY) REASON 1ST PRIN 2ND PRIN NEXT PAYMENT NUMBER 026 +000 0000 DISCOUNT AMORT.: CODE MONTHS ACCRUAL >> STOP DAYS CODE (A,B,C) (001-999) EFF DT LAST PAYMENT 021025 (MMDDYY) REMAINING TERM SEE MEMO PAD 3/5/2026