FREEDOM MORTGAGE CORPORATION v. CHRISTOPHER M BRIGGS

IN THE DISTRICT COURT OF KAY COUNTY STATE OF OKLAHOMA FREEDOM MORTGAGE CORPORATION, Plaintiff, v. CHRISTOPHER M BRIGGS, TERESA C BRIGGS, UNITED STATES OF AMERICA EX REL., SECRETARY OF HOUSING AND URBAN DEVELOPMENT, STATE OF OKLAHOMA EX REL OKLAHOMA TAX COMMISSION, JOHN DOE OCCUPANT, IF ANY AND ARDMORE FINANCE, Defendants. PETITION COMES NOW the Plaintiff, Freedom Mortgage Corporation, and for its cause of action against the Defendants named above, alleges and states as follows: 1. The Plaintiff was at all times hereinafter mentioned, and now is, duly organized, existing, and authorized to bring this action. That the subject real property is situated in Kay County, Oklahoma. Therefore, this court has jurisdiction over the parties and subject matter. Further, venue is properly laid pursuant to 12 O.S. 131 & 142. 2. On May 14, 2015, the original executor(s) for good and valuable consideration, executed and delivered to the Payee, a written Promissory Note promising to pay the holder thereof, the original principal sum of $76,587.00 with interest thereon at the rate of 4.50000% per annum and other charges payable as provided therein. A true and correct copy of the Note is attached hereto as Exhibit “A” and incorporated herein by reference and made a part hereof. 3. The Loan was subsequently modified pursuant to the Loan Modification Agreement, dated October 6, 2022, recorded in the office of the County Clerk in Kay County, Oklahoma, in book 1918, at page 868. The terms of the Modification Agreement increased the principal balance to $67,942.74 and lowered the interest rate to 3.1250%. A true and correct copy of the Loan Modification Agreement is attached hereto as Exhibit “B”. 4. The Loan was subsequently modified pursuant to the Loan Modification Agreement, dated February 21, 2023, recorded in the office of the County Clerk in Kay County, Oklahoma, in book 1928, at page 763. The terms of the Modification Agreement increased the principal balance to $62,703.87 and increased the interest rate to 5.750%. A true and correct copy of the Loan Modification Agreement is attached hereto as Exhibit “C”. 5. The Loan was subsequently modified pursuant to the Loan Modification Agreement, dated June 8, 2023, recorded in the office of the County Clerk in Kay County, Oklahoma, in book 1937, at page 651. The terms of the Modification Agreement increased the principal balance to $64,851.34 and increased the interest rate to 6.6250%. A true and correct copy of the Loan Modification Agreement is attached hereto as Exhibit “D”. 6. The Loan was subsequently modified pursuant to the Loan Modification Agreement, dated June 13, 2025, recorded in the office of the County Clerk in Kay County, Oklahoma, in book 2000, at page 316. The terms of the Modification Agreement increased the principal balance to $70,941.03 and increased the interest rate to 7.2500%. A true and correct copy of the Loan Modification Agreement is attached hereto as Exhibit “E”. 7. As part of the same transaction, and to secure the indebtedness owed under the Promissory Note, the owner(s) of the hereinafter-described real estate made, executed, and delivered to Plaintiff a written real estate purchase money mortgage and therein and thereby mortgage and conveyed the following described real estate situated in Kay County, State of Oklahoma, to-wit: Lot 19, Block 1, Anlo Park Addition to the City of Ponca City, Kay County, State of Oklahoma, according to the recorded plat thereof. PROPERTY ADDRESS: 1609 Bradbary Ln, Ponca City, OK 74601 together with all the buildings, fixtures, appurtenances, hereditaments and improvements now or hereafter erected on the property and all other rights appertaining or belonging thereunto said property. 8. On May 18, 2015, said mortgage, duly executed and acknowledged according to law with mortgage tax paid thereon, was duly recorded in the office of the County Clerk of Kay County, Oklahoma, in Book 1679 Page 0972. Said Mortgage is a good and valid first lien. A true and correct copy of the Mortgage is attached hereto as Exhibit “F” and incorporated herein by reference and made a part hereof. 9. Said Mortgage is a good and valid first lien. The Mortgage was subsequently assigned to Freedom Mortgage Corporation , by virtue of an assignment of mortgage (the “Assignment of Mortgage”) recorded on September 23, 2019 in Official records Book 1817 at Page 0145. A true and correct copy of the Assignment of Mortgage is attached hereto as Exhibit “G” and incorporated herein by reference and made a part hereof. 10. Plaintiff is in possession of, is the holder of, and is entitled to enforce said note. 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. 11. The Note and Mortgage provide that if default occurs in the payment of any of the monthly installments, or on failure or neglect to keep or perform any of the other conditions and covenants of the mortgage, that the entire principal, accrued interest, and all other sums secured by said mortgage, shall at once become due and payable, at the option of the holder thereof, and the holder shall be entitled to foreclose said mortgage and recover the unpaid principal 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 expense and all costs. 12. That default has occurred in that the monthly installment payment due on September 1, 2025, or subsequent payments have not been paid as provided by the Note and Mortgage. That the Plaintiff hereby declares the whole of said indebtedness due and payable, and elects to have the Mortgage foreclosed and the mortgage premises sold to satisfy the indebtedness; and that the option to waive or not waive appraisement of said premises will be exercised at the time of foreclosure judgment. 13. That there is due and owing on said Note and Mortgage the principal sum of $70,890.50 with accrued interest thereon at the rate of 7.25000% per annum or at the current adjustable rate from August 1, 2025, until paid; together with accrued and accruing abstracting expenses, late charges, property preservation expenses, costs of this action, advances for taxes, advances for insurance premiums, a reasonable attorney’s fee, and any other necessary funds advanced hereafter through completion of this action, as provided for in said Note and Mortgage. 14. That the following Defendants may claim an interest in the subject property, the exact nature of which is unknown except as hereinafter stated, but that any interest of the defendant(s) are junior, inferior and subject to the lien created and established by the Mortgage in favor of Plaintiff. The defendant(s) should appear and defend in this action and prove the superiority of his interest in the Property to that of Plaintiff. Failing that, the defendant’s right, title and interests in or to the Property should be declared junior and inferior to those of Plaintiff, and the same ordered foreclosed subject to Plaintiff’s Mortgage and mortgage lien. John Doe may be claiming some right, title and/or interest in and to the Property, which may include an interest by reason of occupancy, ownership, or otherwise. Teresa C Briggs may be claiming some right, title and/or interest in and to the Property, which may include an interest by reason of marriage, homestead interest, ownership or otherwise. State of Oklahoma ex rel., Oklahoma Tax Commission, by reason of certain tax lien as recorded in book 1977, page 620, records of said county and state. Ardmore Finance, by reason of certain Journal Entry of judgment as recorded in case number SC-2025-276 and case number SC-2025-277, records of said county and state. United States of America ex rel, Secretary of Housing and Urban Development, by reason of that certain subordinate mortgage recorded on 10/6/2022 in book 1918, page 862, records of said county and state, which is attached hereto and marked as Exhibit “H”. United States of America ex rel, Secretary of Housing and Urban Development, by reason of that certain subordinate mortgage recorded on 2/21/2023 in book 1928, page 758, records of said county and state, which is attached hereto and marked as Exhibit “I”. United States of America ex rel, Secretary of Housing and Urban Development, by reason of that certain partial claim mortgage recorded on 10/30/2023 in book 1948, page 191, records of said county and state, which is attached hereto and marked as Exhibit “J”. United States of America ex rel, Secretary of Housing and Urban Development, by reason of that certain subordinate mortgage recorded on 6/13/2025 in book 2000, page 309, records of said county and state, which is attached hereto and marked as Exhibit “K”. WHEREFORE, premises considered, Plaintiff prays for judgment in rem against the Defendant(s), in the principal sum of $70,890.50, with interest accruing at the rate of 7.25000% per annum or at the current adjustable rate from August 1, 2025, until paid, together with accrued and accruing abstracting expenses, late charges, property preservation expenses, costs of this action, advances for taxes, advances for insurance premiums, a reasonable attorney’s fee, and any other necessary funds advanced hereafter through completion of this action, as provided for in said Note and Mortgage. That Plaintiff further have judgment in rem against all Defendants adjudging Plaintiff’s mortgage to be a valid and subsisting first lien on the real estate and premises described for the full amount of the judgment; that said mortgage be foreclosed, that said real estate be sold, with or without appraisement, at sheriff’s sale to satisfy the indebtedness secured thereby. That all of said Defendant’s be required to appear and set forth any right, title, claim or interest which they have, or may have, in and to said real estate and premises; that the Court adjudicate that all of said claims are subject, junior, and inferior to the mortgage, lien and judgment of this Plaintiff; and that upon confirmation of said sale, the Defendants herein and each of them, 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 and to said premises or any part thereof; and that it recover such other and further relief as may be just and equitable. MARINOSCI LAW GROUP, P.C. Arnetta J. Porter OBA# 34757 2601 NW Expressway, Suite 710W Oklahoma City, OK 73112 Telephone: (405) 252-9500 Facsimile: (405) 242-4395 Email: [email protected] ATTORNEYS FOR PLAINTIFF IN THE DISTRICT COURT OF KAY COUNTY STATE OF OKLAHOMA FREEDOM MORTGAGE CORPORATION, Plaintiff, v. ) Case No. CHRISTOPHER M BRIGGS, TERESA C BRIGGS, UNITED STATES OF AMERICA EX REL., SECRETARY OF HOUSING AND URBAN DEVELOPMENT, STATE OF OKLAHOMA EX REL OKLAHOMA TAX COMMISSION, JOHN DOE OCCUPANT, IF ANY AND ARDMORE FINANCE, Defendants. PETITION COMES NOW the Plaintiff, Freedom Mortgage Corporation, and for its cause of action against the Defendants named above, alleges and states as follows: 1. The Plaintiff was at all times hereinafter mentioned, and now is, duly organized, existing, and authorized to bring this action. That the subject real property is situated in Kay County, Oklahoma. Therefore, this court has jurisdiction over the parties and subject matter. Further, venue is properly laid pursuant to 12 O.S. 131 & 142. 2. On May 14, 2015, the original executor(s) for good and valuable consideration, executed and delivered to the Payee, a written Promissory Note promising to pay the holder thereof, the original principal sum of $76,587.00 with interest thereon at the rate of 4.50000% per annum and other charges payable as provided therein. A true and correct copy of the Note is attached hereto as Exhibit “A” and incorporated herein by reference and made a part hereof. 3. The Loan was subsequently modified pursuant to the Loan Modification Agreement, dated 10/6/2022, recorded in the office of the County Clerk in Kay County, Oklahoma, in book 1918, at page 868. The terms of the Modification Agreement increased the principal balance to $67,942.74 and lowered the interest rate to 3.1250%. A true and correct copy of the Loan Modification Agreement is attached hereto as Exhibit “B”. 4. The Loan was subsequently modified pursuant to the Loan Modification Agreement, dated 2/21/2023, recorded in the office of the County Clerk in Kay County, Oklahoma, in book 1928, at page 763. The terms of the Modification Agreement increased the principal balance to $62,703.87 and increased the interest rate to 5.750%. A true and correct copy of the Loan Modification Agreement is attached hereto as Exhibit “C”. 5. The Loan was subsequently modified pursuant to the Loan Modification Agreement, dated 6/8/2023, recorded in the office of the County Clerk in Kay County, Oklahoma, in book 1937, at page 651. The terms of the Modification Agreement increased the principal balance to $64,851.34 and increased the interest rate to 6.6250%. A true and correct copy of the Loan Modification Agreement is attached hereto as Exhibit “D”. 6. The Loan was subsequently modified pursuant to the Loan Modification Agreement, dated 6/13/2025, recorded in the office of the County Clerk in Kay County, Oklahoma, in book 2000, at page 316. The terms of the Modification Agreement increased the principal balance to $70,941.03 and increased the interest rate to 7.25000%. A true and correct copy of the Loan Modification Agreement is attached hereto as Exhibit “E”. 7. As part of the same transaction, and to secure the indebtedness owed under the Promissory Note, the owner(s) of the hereinafter-described real estate made, executed, and delivered to Plaintiff a written real estate purchase money mortgage and therein and thereby mortgage and conveyed the following described real estate situated in Kay County, State of Oklahoma, to-wit: Lot 19, Block 1, Anlo Park Addition to the City of Ponca City, Kay County, State of Oklahoma, according to the recorded plat thereof. PROPERTY ADDRESS: 1609 Bradbary Ln, Ponca City, OK 74601 together with all the buildings, fixtures, appurtenances, hereditaments and improvements now or hereafter erected on the property and all other rights appertaining or belonging thereunto said property. 8. On May 18, 2015, said mortgage, duly executed and acknowledged according to law with mortgage tax paid thereon, was duly recorded in the office of the County Clerk of Kay County, Oklahoma, in Book 1679 Page 0972. Said Mortgage is a good and valid first lien. A true and correct copy of the Mortgage is attached hereto as Exhibit “F” and incorporated herein by reference and made a part hereof. 9. The Mortgage was subsequently assigned to Freedom Mortgage Corporation , by virtue of an assignment of mortgage (the “Assignment of Mortgage”) recorded on September 23, 2019 in Official records Book 1817 at Page 0145. A true and correct copy of the Assignment of Mortgage is attached hereto as Exhibit “G” and incorporated herein by reference and made a part hereof. 10. Plaintiff is in possession of, is the holder of, and is entitled to enforce said note. 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. 11. The Note and Mortgage provide that if default occurs in the payment of any of the monthly installments, or on failure or neglect to keep or perform any of the other conditions and covenants of the mortgage, that the entire principal, accrued interest, and all other sums secured by said mortgage, shall at once become due and payable, at the option of the holder thereof, and the holder shall be entitled to foreclose said mortgage and recover the unpaid principal 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 expense and all costs. 12. That default has occurred in that the monthly installment payment due on September 1, 2025, or subsequent payments have not been paid as provided by the Note and Mortgage. That the Plaintiff hereby declares the whole of said indebtedness due and payable, and elects to have the Mortgage foreclosed and the mortgage premises sold to satisfy the indebtedness; and that the option to waive or not waive appraisement of said premises will be exercised at the time of foreclosure judgment. 13. That there is due and owing on said Note and Mortgage the principal sum of $70,890.50 with accrued interest thereon at the rate of 7.25000% per annum or at the current adjustable rate from August 1, 2025, until paid; together with accrued and accruing abstracting expenses, late charges, property preservation expenses, costs of this action, advances for taxes, advances for insurance premiums, a reasonable attorney’s fee, and any other necessary funds advanced hereafter through completion of this action, as provided for in said Note and Mortgage. 14. That the following Defendants may claim an interest in the subject property, the exact nature of which is unknown except as hereinafter stated, but that any interest of the defendant(s) are junior, inferior and subject to the lien created and established by the Mortgage in favor of Plaintiff. The defendant(s) should appear and defend in this action and prove the superiority of his interest in the Property to that of Plaintiff. Failing that, the defendant’s right, title and interests in or to the Property should be declared junior and inferior to those of Plaintiff, and the same ordered foreclosed subject to Plaintiff’s Mortgage and mortgage lien. John Doe may be claiming some right, title and/or interest in and to the Property, which may include an interest by reason of occupancy, ownership, or otherwise. Teresa C Briggs may be claiming some right, title and/or interest in and to the Property, which may include an interest by reason of marriage, homestead interest, ownership or otherwise. State of Oklahoma ex rel., Oklahoma Tax Commission, by reason of certain tax lien as recorded in book 1977, page 620, records of said county and state. Ardmore Finance, by reason of certain statements of judgment as recorded in case number SC-2025-276 and case number SC-2025-277, records of said county and state. United States of America ex rel, Secretary of Housing and Urban Development, by reason of that certain subordinate mortgage recorded on 10/6/2022 in book 1918, page 862, records of said county and state, which is attached hereto and marked as Exhibit “H”. United States of America ex rel, Secretary of Housing and Urban Development, by reason of that certain subordinate mortgage recorded on 2/21/2023 in book 1928, page 758, records of said county and state, which is attached hereto and marked as Exhibit “I”. United States of America ex rel, Secretary of Housing and Urban Development, by reason of that certain partial claim mortgage recorded on 10/30/2023 in book 1948, page 191, records of said county and state, which is attached hereto and marked as Exhibit “J”. United States of America ex rel, Secretary of Housing and Urban Development, by reason of that certain subordinate mortgage recorded on 6/13/2025 in book 2000, page 309, records of said county and state, which is attached hereto and marked as Exhibit “K”. WHEREFORE, premises considered, Plaintiff prays for judgment in rem against the Defendant(s), in the principal sum of $70,890.50, with interest accruing at the rate of 7.25000% per annum or at the current adjustable rate from August 1, 2025, until paid, together with accrued and accruing abstracting expenses, late charges, property preservation expenses, costs of this action, advances for taxes, advances for insurance premiums, a reasonable attorney’s fee, and any other necessary funds advanced hereafter through completion of this action, as provided for in said Note and Mortgage. That Plaintiff further have judgment in rem against all Defendants adjudging Plaintiff’s mortgage to be a valid and subsisting first lien on the real estate and premises described for the full amount of the judgment; that said mortgage be foreclosed, that said real estate be sold, with or without appraisement, at sheriff’s sale to satisfy the indebtedness secured thereby. That all of said Defendant's be required to appear and set forth any right, title, claim or interest which they have, or may have, in and to said real estate and premises; that the Court adjudicate that all of said claims are subject, junior, and inferior to the mortgage, lien and judgment of this Plaintiff; and that upon confirmation of said sale, the Defendants herein and each of them, 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 and to said premises or any part thereof; and that it recover such other and further relief as may be just and equitable. MARINOSCI LAW GROUP, P.C. Arnetta J. Porter OBA# 34757 2601 NW Expressway, Suite 710W Oklahoma City, OK 73112 Telephone: (405) 252-9500 Facsimile: (405) 242-4395 Email: [email protected] ATTORNEYS FOR PLAINTIFF Loan Number: [REDACTED] Borrower: BRIGGS MIN: [REDACTED] FHA Case Number: [REDACTED] NOTE May 14, 2015 PONCA CITY OKLAHOMA [Date] [City] [State] 1609 BRADBARY LN, PONCA CITY, OKLAHOMA 74601 [Property Address] 1. BORROWER'S PROMISE TO PAY In return for a loan that I have received, I promise to pay U.S. $76,587.00 (this amount is called "Principal"), plus interest to the order of the Lender. The Lender is OPEN MORTGAGE, LLC and its successors and assigns. 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 4.500%. 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 first day of each month beginning on July 1, 2015. 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 June 1, 2045, 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 14101 Highway 290 West, Bldg. #1300, Austin, TX 78737 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. $388.06. 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 my 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: Grounds for Acceleration of Debt. (A) Default Lender may, except as limited by regulations issued by the Secretary in the case of payment defaults, require immediate payment in full of all sums secured by the Security Instrument and due under this Note if: (i) Borrower defaults by failing to pay in full any monthly payment required by this Note and the Security Instrument prior to or on the due date of the next monthly payment, or (ii) Borrower defaults by failing, for a period of thirty days, to perform any other obligations contained in the Security Instrument securing this Note. (B) Sale Without Credit Approval Lender shall, if permitted by applicable law (including Section 341(d) of the Garn-St. Germain Depository Institutions Act of 1982, 12 U.S.C. 1701j-3(d)) and with the prior approval of the Secretary, require immediate payment in full of all the sums due under this Note and secured by the Security Instrument if: (i) All or part of the Property, or a beneficial interest in a trust owning all or part of the Property, is sold or otherwise transferred (other than by devise or descent), and (ii) The Property is not occupied by the purchaser or grantee as his or her principal residence, or the purchaser or grantee does so occupy the Property but his or her credit has not been approved in accordance with the requirements of the Secretary. (C) No Waiver If circumstances occur that would permit Lender to require immediate payment in full, but Lender does not require such payments, Lender does not waive its rights with respect to subsequent events. (D) Regulations of HUD Secretary In many circumstances regulations issued by the Secretary will limit Lender's rights in the case of payment defaults to require immediate payment in full and foreclosure if not paid. This Note and the Security Instrument do not authorize acceleration or foreclosure if not permitted by regulations of the Secretary. (E) Mortgage Not Insured Borrower agrees that should the Security Instrument and this Note secured thereby not be eligible for insurance under the National Housing Act within 60 days from the date hereof, Lender may, at its option and notwithstanding anything in paragraph 10, require immediate payment in full of all sums secured by the Security Instrument. A written statement of any authorized agent of the Secretary dated subsequent to 60 days from the date hereof, declining to insure the Security Instrument and this Note secured thereby, shall be deemed conclusive proof of such ineligibility. Notwithstanding the foregoing, this option may not be exercised by Lender when the unavailability of insurance is solely due to Lender's failure to remit a mortgage insurance premium to the Secretary. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Note. [Seal] CHRISTOPHER M BRIGGS [Sign Original Only] PAY TO THE ORDER OF SUN WEST MORTGAGE COMPANY, INC. WITHOUT RECO URSE OPEN MORTGAGE, LLC By: __________________________ Printed Name: Woody Woodruff Title: CFO Date: 5-20-15 Pay to the order of without recourse Freedom Mortgage Corporation Maria Gallucci Corporate Secretary ALLONGE FOR NOTE ENDORSEMENT BORROWERS: CHRISTOPHER M BRIGGS LOAN AMOUNT: $76,587.00 DATE OF NOTE: May 14, 2015 LOAN #: [Redacted] PROPERTY ADDRESS: 1609 BRADBARY LN PONCA CITY, OKLAHOMA 74601-2514 KAY COUNTY FREEDOM MORTGAGE CORPORATION PAY TO THE ORDER OF ___________________________ WITHOUT RECOUSE, SUN WEST MORTGAGE COMPANY, INC., A CALIFORNIA CORPORATION BY ____________________________ JENNIFER VALLINAYAGAM - COO ALLONGE FOR NOTE ENDORSEMENT BORROWERS: CHRISTOPHER M BRIGGS LOAN AMOUNT: $76,587.00 DATE OF NOTE: May 14, 2015 LOAN #: [REDACTED] PROPERTY ADDRESS: 1609 BRADBARY LN PONCA CITY, OKLAHOMA 74601-2514 KAY COUNTY PAY TO THE ORDER OF SUN WEST MORTGAGE COMPANY, INC., A CALIFORNIA CORPORATION, WITHOUT RE COURSE, OPEN MORTGAGE LLC, BY SUN WEST MORTGAGE COMPANY, INC., A CALIFORNIA CORPORATION, AS ATTORNEY-IN-FACT BY [Signature] JENNIFER VALLINAYAGAM - COO Investor Loan Recording Requested By: Freedom Mortgage Corporation 907 Pleasant Valley Avenue Mount Laurel, NJ 08054 After Recording Returns To: Freedom Mortgage Corporation/C/O Mortgage Connect Document Solutions 6860 North Argonne Street, Unit A Denver, CO 80249 This document was prepared by Freedom Mortgage Corporation Michele Rice - 10500 Kincaid Drive Suite 111 Fishers IN 46037-9764 (855) 690-5900 Original Principal Amount: $76,587.00 Unpaid Principal Amount: $69,712.83 New Principal Amount: $67,942.74 Total Capitalized Amount: $0.00 LOAN MODIFICATION AGREEMENT (FHA-Insured) (FHA COVID-19 Combination Partial Claim and Loan Modification) This Loan Modification Agreement ("Agreement") between CHRISTOPHER M BRIGGS AND TERESA C BRIGGS, A HUSBAND AND WIFE whose address is 1609 BRADBARY LN, PONCA CITY, OK 74601-2514 ("Borrower" or "I") and FREEDOM MORTGAGE CORPORATION whose address is 907 Pleasant Valley Avenue, Mount Laurel, NJ 08054 ("Lender"), is effective 03/01/2022, and amends and supplements (1) the Mortgage, Deed of Trust or Security Deed (the "Security Instrument"), made by CHRISTOPHER M BRIGGS AND TERESA C BRIGGS, A HUSBAND AND WIFE to MERS AS NOMINEE FOR OPEN MORTGAGE, LLC for $76,587.00 and interest, dated 05/14/2015 and recorded on Date 05/18/2015 in Book or Liber 1679, at page(s) 0972 or as Document/Instrument Number I-2015-004249, in the Records of Kay, OKLAHOMA, and (2) the Note bearing the same date as and secured by the Security Instrument, which was entered into as security for the performance of the Note and encumbers the real and personal property described and defined in the Security Instrument as the "Property," located at 1609 BRADBARY LN PONCA CITY, OK 74601-2514. See Exhibit A for Legal Description Important Disclosures: The Federal Housing Administration (FHA) requires that Lender provide you with information designed to help you understand the modified mortgage terms that are being 1 If more than one Borrower or Mortgagor is executing this document, each is referred to as "Borrower" or "I." For purposes of this document, words signifying the singular (such as "Borrower" or "I") shall include the plural and vice versa where appropriate. offered to you Lender is required to provide you with clear and understandable written information about the terms, costs, and risks of the modified mortgage in a timely manner to enable Borrower to make informed decisions. This information is included below. Please read it carefully. If my representations in Section 1 below continue to be true in all material respects, then this Loan Modification Agreement ("Agreement") will, as set forth in Section 3 below, amend and supplement (1) the Mortgage on the Property and (2) the Note secured by the Mortgage. The Mortgage and Note together as they may previously have been amended, are referred to as the "Loan Documents". Capitalized terms used in this Agreement and not defined here have the meaning given to them in the Loan Documents. If there is more than one borrower or mortgagor executing this document, each is referred to as "[I]". Words signifying the singular (such as "[I]") shall include the plural (such as "we"), and vice versa where appropriate. 1. My Representations. I certify, represent to Lender, and agree as follows: A. I live in, and plan to continue to live in, the Property as my principal residence. The Property has not been condemned and has no material adverse physical condition(s). The Property has no more than four units. B. I am not a borrower on any other FHA-insured mortgage. C. Except as approved in writing by the FHA or Lender, there has been no change in the ownership of the Property after I signed the Loan Documents. D. If I received a discharge in a Chapter 7 Bankruptcy proceeding subsequent to the execution of the Loan Documents, Lender agrees that I will not have personal liability on the debt pursuant to this Agreement. 2. Acknowledgements and Preconditions to Modification. I understand and acknowledge that: A. As a precondition to receiving this proposed modification of the Loan Documents, I must accept and fully execute the required subordinate mortgage loan (also called a Partial Claim Note and Security Instrument). I have reviewed and approved the terms of such subordinate loan. B. Lender has no obligation to make any modification of the Loan Documents if any of the requirements under this Agreement has not been met. C. Prior to the Modification Effective Date (as defined in Section 3), if Lender determines that any of my representations in Section 1 are no longer true and correct, (1) the Loan Documents will not be modified, (2) this Agreement will not be valid, and (3) Lender will have all of the rights and remedies provided by the Loan Documents. D. The Loan Documents will not be modified unless and until (1) Lender approves this Agreement and (2) the Modification Effective Date (as defined in Section 3 below) has occurred. VIEW ADDITIONAL LAND RECORDS AT OKCOUNTYRECORDS.COM 3. The Modification. If all of my representations in Section 1 above continue to be true in all material respects and all preconditions to the modification set forth in Section 2 above have been met, the Loan Documents will automatically become modified on 03/01/2022 (the "Modification Effective Date") and all unpaid late charges, penalties, and fees that remain unpaid will be waived. If I have failed to make any payments that are a precondition to this modification, this modification will not take effect. A. The new Maturity Date will be: 03/01/2052 B. The new principal balance of my Note will be $67,942.74 (the "New Principal Balance"). In servicing your loan, the Lender may have incurred third-party fees or charges that were not included in the terms of this Agreement. If so, these fees and charges will appear on your monthly statement under "Fees and Charges." These fees and charges will not accrue interest or late fees. You may pay these fees and charges at any time. If not previously paid, you must pay these fees and charges at the earliest of (1) the date you sell or transfer an interest in the Property, (2) the date you pay the entire New Principal Balance, or (3) the Maturity Date. C. I promise to pay the New Principal Balance, plus interest, to the order of Lender. D. The annual interest rate on the New Principal Balance will be 3.125%, beginning 03/01/2022, both before and after any new default. This fixed interest rate will remain in effect until the principal and interest and all of the obligations due under the Modified Loan Documents are paid in full. E. On 04/01/2022 and on the first day of each month thereafter until all of the obligations due under the Modified Loan Documents are paid in full, Borrower must make monthly payments of $472.26 (each, a "Monthly Payment"). Each Monthly Payment includes principal and interest of $291.05, plus the current required escrow payment of $186.21. My required escrow payments will likely adjust periodically in accordance with applicable law. If an escrow adjustment occurs, my total monthly payment would change accordingly. F. I will be in default if I do not comply with the terms of the Modified Loan Documents. 4. Additional Agreements. Lender and I agree to the following: A. I accept the risks of entering into this Agreement. These risks include (but are not limited to) (1) The subordinate lien will require a balloon payment when I pay off, sell, or refinance the Property, which may make these things more difficult to do. The subordinate lien may also make it more difficult to get additional subordinate lien financing. (2) My modified loan will have a fixed interest rate that will not change. As a result, if the interest rate in my Loan Documents could go up and down based on changes in an index, my new fixed interest rate might sometimes be higher than I would have paid before this modification. B. I authorize Lender to attach an Exhibit A to this loan modification, which will include a Legal Description, recording information of the original security instrument, and any other relevant information required by a County Clerk (or other recordation office) to allow for recording if and when Lender seeks recordation. C. All persons who signed the Loan Documents or their authorized representative(s) have signed this Agreement, unless (1) a borrower or co-borrower is deceased; (2) the borrower and co-borrower are divorced and the Property has been transferred to one spouse in the divorce decree, in which event the spouse who no longer has an interest in the Property need not sign this Agreement (although the non-signing spouse may continue to be held liable for the obligation under the Loan Documents); or (3) Lender waived this requirement in writing. D. This Agreement supersedes the terms of any modification, forbearance, trial period plan, or workout plan that I entered into with Lender before the date of this Agreement. E. All terms and provisions of the Loan Documents, except as expressly modified by this Agreement, remain in full force and effect and I will comply, with all covenants, agreements, and requirements of the Loan Documents, including (but not limited to) my agreement to pay all taxes, insurance premiums, assessments, Escrow Items, impounds, and all other similar obligations, the amounts of which may change in accordance with the terms of my Modified Loan Documents. F. The Modified Loan Documents are duly valid, binding agreements, enforceable in accordance with their terms and are hereby ratified and confirmed. G. I will fully cooperate with Lender in obtaining any title endorsement(s) or similar title insurance product(s) and/or any subordination agreement(s) that are necessary or required by Lender’s procedures and/or the Modification to ensure that the Mortgage, as modified by this Agreement, is in first-priority lien position and is fully enforceable. The terms of this Agreement will not become effective, and this Agreement will be null and void, if Lender does not receive such title endorsement(s), title insurance product(s), and/or subordination agreement(s) on or before the Modification Effective Date. H. I know that I am only entitled to loss mitigation terms that comply with the Modification. Therefore, if Lender discovers any error in the terms of this Agreement or in the required subordinate mortgage loan, I authorize the Lender to advise me of the error. If I do not accept the corrected terms, at Lender’s option, this Agreement becomes void and of no legal effect. If I accept the corrected terms, I will execute and promptly return to Lender the revised and additional documents that will (1) consummate the intended terms and conditions of this Agreement and/or (2) correct the terms and conditions of this Agreement (a “Corrected Agreement”). If I do not sign and deliver a Corrected Agreement or any additional document required by Lender to comply with the Modification, the terms of the original Loan Documents shall continue in full force and effect, such terms will not be modified by this Agreement, and I may not be eligible for the Modification. A. Lender will collect and record, as applicable, personal information about me, including, but not limited to, my name, address, telephone number, social security number, credit score, income, payment history, government monitoring information, and information about account balances and activity ("Personal Information"). In addition, I consent to the disclosure of my Personal Information and the terms of this Agreement by Lender to (1) any investor, insurer, guarantor, or servicer that owns, guarantees, or services my financial obligation (if applicable) mortgage; (2) companies that perform support services for the Modification, and (3) any HUD-certified housing counseling agency. B. If any documents related to the Loan Documents and/or this Agreement is lost, misplaced, or otherwise missing, I will comply with Lender's request to execute, acknowledge, initial, and deliver to Lender any documents Lender deems necessary ("Replacement Documents"). I will deliver the Replacement Documents to Lender within ten days after I receive Lender's written request for such Replacement Documents. By SIGNING BELOW, Borrower accepts and agrees to the terms contained in this Security Instrument and in any rider(s) executed by Borrower and recorded with it. Sign here to execute Modification Agreement Christopher M Briggs (Must be signed exactly as printed) Signature Date (MM/DD/YYYY) Sign here to execute Modification Agreement Teresa C Briggs (Must be signed exactly as printed) Signature Date (MM/DD/YYYY) Witness Signature Beatriz Wynn Witness Printed Name 02/14/2022 Witness Signature Date (MM/DD/YYYY) STATE OF Oklahoma COUNTY OF Kay On the ______ day of February, 2022 before me, the undersigned, a Notary Public in and for said State, personally appeared Christopher M Briggs and Teresa C Briggs, personally known to me (or proved to me on the basis of satisfactory evidence) to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on the instrument, the person or entity upon behalf of which the person or entity acted, executed the instrument. WITNESS my hand and official seal. Beatriz Wynn (Signature) Notary Public: Beatriz Wynn (Printed Name) My commission expires: 01-16-2024 (Please ensure seal does not overlap any language or print) MORTGAGE TAX PAID $0.00 REC # 455 DATE OCT 7 2022 KAY COUNTY, OK CHRISTY KENNEDY, TREASURER DEPUTY Andrea Stephens VIEW ADDITIONAL LAND RECORDS AT OKCOUNTYRECORDS.COM DO NOT WRITE BELOW THIS LINE. THIS SECTION IS FOR INTERNAL USE ONLY NOT AN OFFICIAL COPY Freedom Mortgage Corporation By: Mortgage Connect Document Solutions, LLC, its attorney in fact By: Name: Stephanie Casillas Title: Attorney In Fact Date: February 18th, 2022 [Space below this line for Acknowledgement] STATE OF Colorado COUNTY OF Denver On 18th day of February in the year 2022 before me, David Thao Notary Public, personally appeared Stephanie Casillas, Attorney In Fact of Mortgage Connect Document Solutions, LLC, Attorney In Fact for Freedom Mortgage Corporation, personally known to me (or proved to me on the basis of satisfactory evidence) to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on the instrument the person(s), or entity upon behalf of which the person(s) acted, executed the instrument. WITNESS my hand and official seal. Notary Signature David Thao Notary Public Printed Name (exactly as printed on seal) Notary Public Commission Expiration Date September 11th, 2024 (Please ensure seal does not overlap any language or print) DAVID THAO NOTARY PUBLIC STATE OF COLORADO NOTARY ID 20204031657 MY COMMISSION EXPIRES SEPTEMBER 11, 2024 VIEW ADDITIONAL LAND RECORDS AT OKCOUNTYRECORDS.COM EXHIBIT A Lot 19, Block 7, cowboy Park Addition to the City of Ponca City, Kay County, State of Oklahoma, according to the recorded plat thereof. Being the same property as conveyed from Carolyn Ann Powell, an unmarried person to Christopher M. Briggs and Teresa C. Briggs, husband and wife, as joint tenants and not as tenants in common, with full right of survivorship as set forth in Deed instrument #I-2015-004248 dated 05/18/2015, recorded 05/18/2015, Kay County, OKLAHOMA. NOT AN OFFICIAL COPY VIEW ADDITIONAL LAND RECORDS AT OKCOUNTYRECORDS.COM Investor Loan: _____ Recording Requested By: Freedom Mortgage Corporation 907 Pleasant Valley Avenue Mount Laurel, NJ 08054 After Recording Return To: Mortgage Connect Document Solutions Denver, CO 80249 This document was prepared by Freedom Mortgage Corporation Michele Rice, 10500 Kings Island Drive, Suite 111. Fishers IN 46037-9764 (855)69025900 Space Above This Line For Recording Data Original Principal Amount: $76,587.00 Unpaid Principal Amount: $67,599.50 New Principal Amount: $62,703.87 Consideration Amount (For Recording Purposes Only): $0.00 LOAN MODIFICATION AGREEMENT (FHA-Insured) (FHA COVID-19 Combination Partial Claim and Loan Modification) This Loan Modification Agreement ("Agreement") between CHRISTOPHER M BRIGGS AND TERESA C BRIGGS, A HUSBAND AND WIFE whose address is 1609 BRADBARY LN PONCA CITY, OK 74601-2514 ("Borrower" or "T") and FREEDOM MORTGAGE CORPORATION whose address is 907 Pleasant Valley Avenue, Mount Laurel, NJ 08054 ("Lender"), is given on 08/26/2022, and amends and supplements (1) the Mortgage, Deed of Trust or Security Deed (the "Security Instrument"), made by CHRISTOPHER M BRIGGS AND TERESA C BRIGGS, A HUSBAND AND WIFE to MERS AS NOMINEE FOR OPEN MORTGAGE, LLC for $76,587.00 and interest, dated 05/14/2015 and recorded on Date 05/18/2015 in Book or Liber 1679, at page(s) 0972, or as Document/Instrument Number I-2015-004249, in the Records of Kay, OKLAHOMA; and (2) the Note bearing the same date as and secured by the Security Instrument, which was entered into as security for the performance of the Note and encumbers the real and personal property described and defined in the Security Instrument as the "Property," located at 1609 BRADBARY LN PONCA CITY, OK 74601-2514. Important Disclosures: The Federal Housing Administration (FHA) requires that Lender provide you with information designed to help you understand the modified mortgage terms that are being offered to you. Lender is required to provide you with clear and understandable written information about the modification or other refinancing terms in a timely manner to CHECK ADDITIONAL LAND RECORDS AT OKCOUNTYRECORDS.COM enable Borrower to make informed decisions. This information is included below. Please read it carefully. If my representations in Section 1 below continue to be true in all material respects, then this Loan Modification Agreement ("Agreement") will, as set forth in Section 3 below, amend and supplement (1) the Mortgage on the Property and (2) the Note secured by the Mortgage. The Mortgage and Note together, as they may previously have been amendments, are referred to as the "Loan Documents." Capitalized terms used in this Agreement and not defined here have the meanings given to them in the Loan Documents. Where there is more than one borrower or mortgagee executing this document, each is referred to as "Borrower," signifies the singular ("I") unless the context indicates otherwise, and vice versa where appropriate. 1. My Representations. I identify, represent to Lender, and agree as follows: A. I live in, and plan to continue to live in, the Property as my principal residence. The Property has not been condemned and has no material adverse physical condition(s). The Property has no more than four units. B. I am not a borrower on any other FHA-insured mortgage. C. Except as approved in writing by the FHA or Lender, there has been no change in the ownership of the Property after I signed the Loan Documents. D. If I received a discharge in a Chapter 7 Bankruptcy proceeding subsequent to the execution of the Loan Documents, Lender agrees that I will not have personal liability on the debt pursuant to this Agreement. 2. Acknowledgements and Preconditions to Modification. I understand and acknowledge that: A. As a precondition to receiving this proposed modification of the Loan Documents, I must accept and fully execute the required subordinate mortgage loan (also called a Partial Claim Note and Security Instrument). I have reviewed and approved the terms of such subordinate loan. B. Lender has no obligation to make any modification of the Loan Documents if any of the requirements under this Agreement has not been met. C. Prior to the Modification Effective Date (as defined in Section 3), if Lender determines that any of my representations in Section 1 are no longer true and correct, (1) the Loan Documents will not be modified, (2) this Agreement will not be valid, and (3) Lender will have all of the rights and remedies provided by the Loan Documents. D. The Loan Documents will not be modified unless and until (1) Lender approves this Agreement and (2) the Modification Effective Date (as defined in Section 3 below) has 3. The Modification (all of my representations in Section 1 above continue to be true in all material respects; and all preconditions to the modification set forth in Section 2 above have been met) the Loan Documents will automatically become modified on 09/01/2022 (the "Modification Effective Date") and all unpaid late charges, penalties, and fees that remain unpaid will be waived. If I have failed to make any payments that are a precondition to this modification, this modification will not take effect. The new Maturity Date will be 09/01/2062 B. The new principal balance of my Note will be $42,703.53 ("the New Principal Balance"). In servicing your loan, the Lender may have incurred third-party fees or charges that were not included in the terms of this Agreement. If so, these fees and charges will appear on your monthly statement under "Fees and Charges." These fees and charges will not accrue interest or late fees. You may pay these fees and charges at any time. If not previously paid, you must pay these fees and charges at the earliest of (1) the date you sell or transfer an interest in the Property, (2) the date you pay the entire New Principal Balance, or (3) the Maturity Date. C. I promise to pay the New Principal Balance, plus interest, to the order of Lender. D. The annual interest rate on the New Principal Balance will be 5.750%, beginning 09/01/2022, both before and after any new default. This fixed interest rate will remain in effect until the principal and interest and all of the obligations due under the Modified Loan Documents are paid in full. E. On 10/01/2022 and on the first day of each month thereafter until all of the obligations due under the Modified Loan Documents are paid in full, Borrower must make monthly payments of $552.58 (each, a "Monthly Payment"). Each Monthly Payment includes principal and interest of $334.14, plus the current required escrow payment of $218.44. My required escrow payments will likely adjust periodically in accordance with applicable law. If an escrow adjustment occurs, my total monthly payment would change accordingly. F. I will be in default if I do not comply with the terms of the Modified Loan Document. G. OTHER DEFERRED AMOUNTS: Lender will advance any shortfall between the actual payments I made after 09/01/2022 (including any missed payments) and payments that are due under the modification. This advance amount totals $10,850.86 and is referred to as "Other Deferred Amounts," and is not eligible for forgiveness. This Other Deferred Amount is not part of the principal balance of my modified loan, and I will not pay interest or make monthly payments on these Other Deferred Amounts, but I must pay off such amounts at the earliest of the end of my mortgage term, when I refinance my loan, or when I sell my home. 4. Additional Agreements. Lender and I agree to the following: A. I accept the terms of entering into this Agreement. These terms include (but are not limited to) (1) The subordinate lien will require a balloon payment when I pay off, sell, or refinance the Property, which may make these things more difficult to do. The subordinate lien may also make it more difficult to get additional subordinated lien financing. (2) My modified loan will have a fixed interest rate that will not change. As a result, if the interest rate in my Loan Documents could go up and down based on changes in an index, my new fixed interest rate might sometimes be higher than I would have paid before this modification. B. I authorize Lender to attach an Exhibit A to this Loan Modification, which will include a Legal Description, recording information for the original security instrument, and any other relevant information required by a County Clerk (or other recordation office) to allow for recording of and when Lender seeks recordation. C. All persons who signed the Loan Documents or their authorized representative(s) have signed this Agreement, unless (1) a borrower or co-borrower is deceased; (2) the borrower and co-borrower are divorced and the Property has been transferred to one spouse in the divorce decree, in which event the spouse who no longer has an interest in the Property need not sign this Agreement (although the non-signing spouse may continue to be held liable for the obligation under the Loan Documents); or (3) Lender waived this requirement in writing. D. This Agreement supersedes the terms of any modification, forbearance, trial period plan, or workout plan that I entered into with Lender before the date of this Agreement. E. All terms and provisions of the Loan Documents, except as expressly modified by this Agreement, remain in full force and effect and I will comply, with all covenants, agreements, and requirements of the Loan Documents, including (but not limited to) my agreement to pay all taxes, insurance premiums, assessments, Escrow items, impounds, and all other similar obligations, the amounts of which may change in accordance with the terms of my Modified Loan Documents. F. The Modified Loan Documents are duly valid, binding agreements, enforceable in accordance with their terms and are hereby ratified and confirmed. G. I will fully cooperate with Lender in obtaining any title endorsement(s) or similar title insurance product(s) and/or any subordination agreement(s) that are necessary or required by Lender’s procedures and/or the Modification to ensure that the Mortgage, as modified by this Agreement, is in first-priority lien position and is fully enforceable. The terms of this Agreement will not become effective and this Agreement will be null and void, if Lender does not receive such title endorsement(s), and/or insurance product(s), and/or bond notice certificate(s) on or before the Modification Effective Date. H. I know that I am only entitled to loan modification terms that comply with the Modification. Therefore, if I ever discover any error in the terms of this Agreement and the required subordinate agreements, I must authorize the Lender to correct me of the error. If I do not accept the corrected terms, at Lender's option, this Agreement becomes Void and of no legal effect. If I accept the corrected terms, I will execute and promptly return to Lender the revised and/or additional documents that will (1) consummate the intended terms and conditions of this Agreement and (2) correct the term and conditions of this Agreement ("Corrected Agreement"). If I do not sign and deliver a Corrected Agreement for any additional documents required by Lender to comply with the Modification the term of the original Loan Documents shall continue in full force and effect, such terms will not be modified by this Agreement, and I may not be eligible for the Modification. I. Lender will collect and record, as applicable, personal information about me, including, but not limited to, my name, address, telephone number, social security number, credit score, income, employment history, government monitoring information, and information about account balances and activity ("Personal Information"). In addition, I consent to the disclosure of my Personal Information and the terms of this Agreement by Lender to (1) any investor, insurer, guarantor, or servicer that owns, insures, guarantees, or services my first lien or subordinate lien (if applicable) mortgage loan(s), (2) companies that perform support services for the Modification, and (3) any HUD-certified housing counseling agency. J. If any document related to the Loan Documents and/or this Agreement is lost, misplaced, or otherwise missing, I will comply with Lender's request to execute, acknowledge, initial, and deliver to Lender any documents Lender deems necessary ("Replacement Documents"). I will deliver the Replacement Documents to Lender within ten days after I receive Lender's written request for such Replacement Documents. VIEW ADDITIONAL LAND RECORDS AT OKCOUNTYRECORDS.COM By SIGNING BELOW, Borrower accepts and agrees to the terms contained in this Security Instrument and in any agreement executed by Borrower and recorded with it. Sign here to execute Modification Agreement Christopher M Briggs (Must be signed exactly as printed) 2/21/2022 Signature Date (MM/DD/YYYY) Teresa C Briggs (Must be signed exactly as printed) 2/21/2022 Signature Date (MM/DD/YYYY) WITNESS Signature Witness Printed Name Witness Signature Date (MM/DD/YYYY) Shonda Stephens (Space below this line for Acknowledgment) STATE OF Oklahoma COUNTY OF Kay On the 21st day of September in the year 2022 before me, the undersigned, a Notary Public in and for said State, personally appeared Christopher M Briggs and Teresa C Briggs, personally known to me (or proved to me on the basis of satisfactory evidence) to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on the instrument, the person or entity upon behalf of which the person or entity acted, executed the instrument. WITNESS my hand and official seal. (Signature) Shane Berman Notary Public: Shane Berman (Printed Name) My commission expires: 3-23-23 (Notary Public Seal) (Please ensure seal does not overlap any language or print) VIEW ADDITIONAL LAND RECORDS AT OKCOUNTYRECORD.COM NOT AN OFFICIAL COPY Freedom Mortgage Corporation By: Mortgage Connect Document Solutions, LLC, its Attorney In Fact By: Name: David Thao Title: Attorney In Fact Date: September 29th, 2022 POA: BK [redacted] PG [redacted] NST: 202 [redacted] [Space below this line for Acknowledgement] STATE OF Colorado COUNTY OF Denver On 29th day of September in the year 2022 before me, Rosalie Peyton Notary Public, personally appeared David Thao, Attorney In Fact of Mortgage Connect Document Solutions, LLC, Attorney In Fact for Freedom Mortgage Corporation, personally known to me (or proved to me on the basis of satisfactory evidence) to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on the instrument the person(s), or entity upon behalf of which the person(s) acted, executed the instrument. WITNESS my hand and official seal. Notary Signature Rosalie Peyton Notary Public Printed Name (exactly as printed on seal) Notary Public Commission May 26th, 2025 Expiration Date (Please ensure seal does not overlap any language or print) VIEW ADDITIONAL LAND RECORDS AT OKCOUNTRYRECORDS.COM NOT AN OFFICIAL COPY VIEW ADDITIONAL LAND RECORDS AT OKCOUNTYRECORDS.COM NOT AN OFFICIAL COPY Investor Loan Recording Requested By: Freedom Mortgage Corporation 907 Pleasant Valley Avenue Mount Laurel, NJ 08054 After Recording Return To: Freedom Mortgage Corporation Mortgage Connect L.P. Attn: Loan Mod Processing Team 600 Clubhouse Drive Moon Township, PA 15108 APN/Tax ID: Recording Number: This document was prepared by Freedom Mortgage Corporation, 10500 Kilcaid Drive, Suite 111, Fishers IN Original Principal Amount: $76,587.00 Unpaid Principal Amount: $62,397.72 New Principal Amount: $64,851.34 Consideration Amount (For Recording Purposes Only): $2,453.62 Original Security Instrument recorded on Date 05/18/2015 in Book or Liber 1679, at page(s) 0972, or as Document/Instrument Number I-2015-004249, in the Records of Kay, OKLAHOMA. LOAN MODIFICATION AGREEMENT (FHA-Insured) (FHA COVID-19 Combination Partial Claim and Loan Modification) This Loan Modification Agreement ("Agreement") between CHRISTOPHER M BRIGGS AND TERESA C BRIGGS, A HUSBAND AND WIFE whose address is 1609 BRADBARY LN, PONCA CITY, OK 74601-2514 ("Borrower" or "I") and FREEDOM MORTGAGE CORPORATION whose address is 907 Pleasant Valley Avenue, Mount Laurel, NJ 08054 ("Lender"), is given on 03/11/2021 and effective 05/01/2023, and amends and supplements (1) the Mortgage, Deed of Trust or Security Deed (the "Security Instrument"), made by CHRISTOPHER M BRIGGS AND TERESA C BRIGGS, A HUSBAND AND WIFE to MERS AS NOMINEE FOR OPEN MORTGAGE, LLC for $76,587.00 and interest, dated 05/14/2015 and recorded on Date 05/18/2015 in Book or Liber 1679, at page(s) 0972, or as Document/Instrument Number I-2015-004249, in the Records of Kay, OKLAHOMA, and (2) the Note bearing the same date as and secured by the Security Instrument, which was entered into as security for the performance of the Note and encumbers the real and personal property described and defined in the Security Instrument as the "Property," located at 1609 BRADBARY LN PONCA CITY, OK 74601-2514. See Exhibit A for Legal Description 1 If more than one Borrower or Mortgagee is executing this document, each is referred to as "Borrower" or "I." For purposes of this document, words signifying the singular (such as "Borrower" or "I") shall include the plural (such as "Borrowers" or "we") and vice versa where appropriate. Page 1 of 7 VIEW ADDITIONAL LAND RECORDS AT OKCOUNTYRECORDS.COM Important Disclosure: The Federal Housing Administration (FHA) requires that Lender provide you with information designed to help you understand the modified mortgage terms that are being offered to you. Lender is required to provide you with clear and understandable written information about the benefits, costs, and risks of the modified agreement in a timely manner to enable Borrower to make informed decisions. This information is included below. Please read it carefully. If my representations in Section 1 below continue to be true in all material respects, then this Loan Modification Agreement ("Agreement") will, as set forth in Sections II through VI below, amend and supplement (1) the Mortgage on the Property and (2) the Note secured by the Mortgage. The Mortgage and Note together, as they may previously have been amended, are referred to as the "Loan Documents". Capitalized terms used in this Agreement and not defined here have the meanings given to them in the Loan Documents. If there is more than one borrower or payor executing this document, each is referred to as "I". Words signifying the singular (such as "I") shall include the plural (such as "we") and vice versa where appropriate. 1. My Representations. I certify, represent and warrant as follows: A. I live in, and plan to continue to live in, the property as my principal residence. The Property has never been abandoned, and has no material adverse physical condition(s). The Property has no more than four units. B. I am not a borrower on any other FHA-insured mortgage. C. Except as approved in writing by the FHIA or Lender, there has been no change in the ownership of the Property after I signed the Loan Documents. D. If I received a discharge in a Chapter 7 Bankruptcy proceeding subsequent to the execution of the Loan Documents, Lender agrees that I will not have personal liability on the debt pursuant to this Agreement. 2. Acknowledgements and Preconditions to Modification. I understand and acknowledge that: A. As a precondition to receiving this proposed modification of the Loan Documents, I must accept and fully execute the required subordinate mortgage loan (also called a Partial Claim Note and Security Instrument) I have reviewed and approved the terms of such subordinate loan. B. Lender has no obligation to make any modification of the Loan Documents if any of the requirements under this Agreement has not been met. C. Prior to the Modification Effective Date (as defined in Section 3), if Lender determines that any of my representations in Section 1 are no longer true and correct, (1) the Loan Documents will not be modified, (2) this Agreement will not be valid, and (3) Lender will have all of the rights and remedies provided by the Loan Documents. NOTARY OFFICIAL D. The Loan Documents will not be modified unless and until (1) I endorse approves this Agreement and (2) the Modification Effective Date (as defined in Section 2 below) has occurred. 3. The Modification: If all of my representations in Section 1 above continue to be true in all material respects and all preconditions to the modification set forth in Section 2 above have been met, the Loan Documents will automatically become, modified on 05/01/2023 (the "Modification Effective Date") and all unpaid late charges, penalties, and fees that remain unpaid will be waived if I have failed to make any payment that was a precondition to this modification. This modification will not take effect: A. The new Maturity Date will be: 05/01/2049. B. The new principal balance of my Note will be $64,651.34 ("the "New Principal Balance"). In servicing your loan, the Lender may have incurred third-party fees or charges that were not included in the terms of this Agreement. If so, these fees and charges will appear on your monthly statement under "Fees and Charges." These fees and charges will not accrue interest or late fees. You may pay these fees and charges at any time. If not previously paid you must pay these fees and charges at the earliest of (1) the date you sell or transfer an interest in my Property, (2) the date you pay the entire New Principal Balance, or (3) the Maturity Date. C. I promise to pay the New Principal Balance, plus interest, to the order of Lender. D. The annual interest rate on the New Principal Balance will be 6.625%, beginning 05/01/2023, both before and after any new default. This fixed interest rate will remain in effect until the principal and interest and all of the obligations due under the Modified Loan Documents are paid in full. E. On 06/01/2023 and on the first day of each month thereafter until all of the obligations due under the Modified Loan Documents are paid in full, Borrower must make monthly payments of $608.07 (each, a "Monthly Payment"). Each Monthly Payment includes principal and interest of $415.25, plus the current required escrow payment of $192.82. My required escrow payments will likely adjust periodically in accordance with applicable law. If an escrow adjustment occurs, my total monthly payment would change accordingly. F. I will be in default if I do not comply with the terms of the Modified Loan Documents. G. OTHER DEFERRED AMOUNTS: Lender will advance any shortfall between the actual payments I made after 05/01/2023 (including any missed payments) and payments that are due under the modification. This advance amount totals $17,428.20 and is referred to as "Other Deferred Amounts," and is not eligible for forgiveness. This Other Deferred Amount is not part of the principal balance of my modified loan, and I will not pay interest or make monthly payments on these Other Deferred Amounts, but I must pay off such amounts at the earliest of the end of my mortgage term, when I refinance my loan, or when I sell my home. 4. Additional Agreements, Liens and Risks: The following: A. I acknowledge that I am entering into this Agreement. These risks include (but are not limited to): (1) The subordinate lien will require a balloon payment when I pay off, sell or refinance the Property, which may make these things more difficult to do. The subordinate lien may also make it more difficult to get additional subordinate lien financing. (2) My modified loan will have a fixed interest rate that will not change. As a result, if the interest rate in my Loan Documents could go up and down based on changes in indices, my new fixed interest rate might sometimes be higher than I would have paid before this modification. B. I authorize Lender to attach an Exhibit A to this loan modification, which will include a Legal Description, recording information of the original security instrument, and any other relevant information required by a County Clerk (or other recordation office) to allow for recording if and when Lender seeks recording. C. All persons who signed the Loan Documents or their authorized representative(s) have signed this Agreement unless: (1) a borrower or co-borrower is deceased; (2) the borrower and co-borrower are divorced and the Property has been transferred to one spouse in the divorce decree, in which event the spouse who no longer has an interest in the Property need not sign this Agreement (although the non-signing spouse may continue to be held liable for the obligation under the Loan Documents); or (3) lender waived this requirement in writing. D. This Agreement supersedes the terms of any modification, forbearance, trial period plan, or workout plan that I entered into with Lender before the date of this Agreement. E. All terms and provisions of the Loan Documents, except as expressly modified by this Agreement, remain in full force and effect and I will comply, with all covenants, agreements, and requirements of the Loan Documents, including (but not limited to) my agreement to pay all taxes, insurance premiums, assessments, Escrow Items, impounds, and all other similar obligations, the amounts of which may change in accordance with the terms of my Modified Loan Documents. F. The Modified Loan Documents are duly valid, binding agreements, enforceable in accordance with their terms and are hereby ratified and confirmed. G. I will fully cooperate with Lender in obtaining any title endorsement(s) or similar title insurance product(s) and/or any subordination agreement(s) that are necessary or required by Lender's procedures and/or the Modification to ensure that the Mortgage, as modified by this Agreement, is in first-priority lien position and is fully enforceable. The terms of this Agreement will not become effective, and this Agreement will be null and void, if Lender does not receive such title endorsement(s), title insurance product(s), and/or subordination agreement(s) on or before the Modification Effective Date. H. I know that I am only entitled to the modification terms and conditions of this Modification. Therefore, if Lender discovers any error in the terms of this Agreement or the required documents for the loan, I authorize the Lender to add me as the guarantor. If I do not accept these corrected terms, as a Lender's option, this Agreement will be invalidated and no legal effect will be given to the corrected terms. I will secure and promptly return to Lender the revised and additional documents that will (1) consummate the intended terms and conditions of this Agreement and/or (2) correct the terms and conditions of this Agreement ("Corrected Agreement"). If I do not sign and deliver the Corrected Agreement for any additional documents required by Lender to comply with the Modification, the terms of the original Loan Documents shall continue in full force and effect. Such terms will not be modified by this Agreement, and I may not be eligible for the Modification. I. Lender will collect and record, as applicable, personal information about me, including, but not limited to, my name, address, telephone number, social security number, credit score, income, employment history, government-issued identification, and information about accounts balances and activity ("Personal Information"). In addition, I consent to the disclosure of my Personal Information and the terms of this Agreement by Lender to (1) any investor, insurer, underwriter, or servicer that owns, insures, guarantees, or services my first lien or subordinate lien(s)(if applicable) mortgage loan(s), (2) companies that perform support services for the Modification, and (3) any HUD-certified housing counseling agency. J. If any document related to the Loan Documents and/or this Agreement is lost, misplaced, or otherwise missing, I will comply with Lender's request to execute, acknowledge, initial, and deliver to Lender any documents Lender deems necessary ("Replacement Documents"). I will deliver the Replacement Documents to Lender within ten days after I receive Lender's written request for such Replacement Documents. By SIGNING BELOW Borrower accepts and agrees to the terms contained in this Security Instrument and in any Rider(s) executed by Borrower and recorded with it. Sign here to executeModification Agreement Christopher M Briggs (Must be signed exactly as printed) 04/11/2023 Signature Date (MM/DD/YYYY) Sign here to executeModification Agreement Teresa C Briggs (Must be signed exactly as printed) 04/11/2023 Signature Date (MM/DD/YYYY) Witness Signature Lacey Warner Witness Printed Name Witness Signature Date (MM/DD/YYYY) STATE OF Oklahoma COUNTY OF Kay On the ___11th____ day of April__________ in the year 2023 before me, the undersigned, a Notary Public in and for said State, personally appeared Christopher M Briggs and Teresa C Briggs, personally known to me (or proved to me on the basis of satisfactory evidence) to be the person(s) whose name(s) were subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on the instrument, the person or entity upon behalf of which the person or entity acted, executed the instrument. WITNESS my hand and official seal. (Signature) Notary Public: Lacey Botting (Printed Name) My commission expires: 05/31/2024 (Notary Public Seal) (Please ensure seal does not overlap any language or print) VIEW ADDITIONAL LAND RECORDS AT OKCOUNTYRECORDS.COM NOT AN OFFICIAL COPY Freedom Mortgage Corporation By: Mortgage Connect, L.P., its attorney in fact Stephanie Waddell AVP, Scan/Ship Coordinator Date: 04/11/2023 (Space below this line for Acknowledgement) STATE OF Pennsylvania COUNTY OF Allegheny On _______ day of April in the year 2023 before me, Jamie Nicole Miles, Notary Public, personally appeared Stephanie Waddell, AVP, Scan/Ship Coordinator of Mortgage Connect, L.P., Attorney In Fact for Freedom Mortgage Corporation, personally known to me (or proved to me on the basis of satisfactory evidence) to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on the instrument the person(s), or entity upon behalf of which the person(s) acted, executed the instrument. WITNESS my hand and official seal. Jamie Nicole Miles Notary Signature Jamie Nicole Miles Notary Public Printed Name (exactly as printed on seal) 10/07/2024 Notary Public Commission Expiration Date (Please ensure seal does not overlap any language or print!) VIEW ADDITIONAL LAND RECORDS AT OKCOUNTYRECORDS.COM Exhibit "D" NOT AN OFFICIAL COPY EXHIBIT A Lot 19, Block 1, Anlo Park Addition to the City of Ponca City, Kay County, State of Oklahoma, according to the recorded Plat thereof. Being the same property as conveyed from Carolyn Ann Powell, a minor, signed by her mother, Christopher M. Powell, her father, and husband and wife, as joint tenants and not as tenants in common, with full right of survivorship as set forth in Deed Instrument Book 105-009448 dated 05/14/24; recorded 07/18/2011, Kay County, OKLAHOMA. VIEW ADDITIONAL LAND RECORDS AT OKCOUNTYRECORDS.COM Investor Loan Recording Requested By: Freedom Mortgage Corporation 951 Yamato Road Boca Raton, FL 33431 After Recording Return To: Freedom Mortgage Corporation C/O: Mortgage Control, LP Attn: Loan Mod Processing Team 600 Clubhouse Drive Moon Township, PA 15162 APN/Tax ID: 0040-00-001-019-O-000-00 Recording Number: This document was prepared by Freedom Mortgage Corporation, 11988 Exit 5 Pkwy Bldg 4, Fishers, IN 46037-7939, 855-690-5500. Space Above This Line For Recording Data Original Principal Amount: $76,587.00 Unpaid Principal Amount: $63,771.68 New Principal Amount: $70,941.03 Consideration Amount (For Recording Purposes Only): $7,169.35 Loan Number: FHA Case No.: Original Security Instrument recorded on Date 05/18/2015 in Book or Libor 1629, at page(s) 0977, and/or as Document/Instrument Number ____________, in the Records of Kay County, OKLAHOMA. LOAN MODIFICATION AGREEMENT This Loan Modification Agreement ("Agreement") between CHRISTOPHER M. BRIGGS AND TERESA C. BRIGGS, A HUSBAND AND WIFE whose address is 1609 BRADBARY LN, PONCA CITY, OK 74601-2514 ("Borrower" or "I") and FREEDOM MORTGAGE CORPORATION whose address is 951 Yamato Road, Boca Raton, FL 33431 ("Lender"), is given on 05/07/2015, and amends and supplements (1) the Mortgage, Deed of Trust or Security Deed (the "Security Instrument"), made by CHRISTOPHER M. BRIGGS AND TERESA C. BRIGGS, A HUSBAND AND WIFE to MORTGAGE ELECTRONIC REGISTRATION "If more than one Borrower or Mortgagor is executing this document, each is referred to as "Borrower" or "I." For purposes of this document, words signifying the singular (such as "Borrower" or "I") shall include the plural (such as "Borrowers" or "we") and vice versa where appropriate. BOOK 2000 PAGE SYSTEMS, INC. ("MERS") AS MORTGAGEE, AS NOMINEE FOR OPEN MORTGAGE, LLC ITS SUCCESSORS AND ASSIGNS for $76,587.00 and interest, dated 04/15/2015 and recorded on Date 05/18/2015 in Book or Liber 1679, at page(s) 0972, and/or as Document/Instrument Number _______, in the Records of Kay County, OKLAHOMA, and (2) the Note bearing the same date as and secured by the Security Instrument, which was entered into as security for the performance of the Note and encumbers the real and personal property described and defined in the Security Instrument as the "Property," located at 1609 BRADBURY LN PONCA CITY, OK 74641-2514. See Exhibit A for Legal Description. Important Disclosures: The Federal Housing Administration ("FHA") requires that Lender provide you with information designed to help you understand the modified mortgage terms that are being offered to you. Lender is required to provide you with clear and understandable written information about the terms, costs, and risks of the modified mortgage in a timely manner to enable Borrower to make informed decisions. This information is included below. Please read it carefully. If my representations in Section I below continue to be true in all material respects, then this Loan Modification Agreement ("Agreement") will, as set forth in Section 3 below, amend and supplement (1) the Mortgage, Deed of Trust, or Security Deed ("Security Instrument") on the Property and (2) the Original Note secured by the Security Instrument. The Security Instrument and Original Note together, as they may previously have been amended, are referred to as the "Loan Documents." Capitalized terms used in this Agreement and not defined here have the meaning given to them in the Loan Documents. 1. My Representations. I certify, represent to Lender, and agree as follows: A. The Property has no more than four units, it has not been condemned, and it has no material adverse physical condition(s). B. I currently have sufficient income to support the financial obligations under the Loan Documents, as modified by this Agreement. C. Under penalty of perjury, any documents or information I may have provided to Lender in connection with qualifying for this particular FHA loan modification program ("Program") and this Agreement are to the best of my knowledge accurate and complete. D. Except as approved in writing by the FHA or Lender, there has been no change in the ownership of the Property after I signed the Loan Documents. E. If I received a discharge in a Chapter 7 Bankruptcy proceeding subsequent to the execution of the Loan Documents, Lender agrees that I will not have personal liability on the debt pursuant to this Agreement. 2. Acknowledgements and Preconditions to Modification. I understand and acknowledge that: A. As a precondition to receiving this proposed modification of the Loan Documents, I must accept and fully execute the required subordinate mortgage loan (also called a Partial Claim Note and Security Instrument). I have reviewed and approved the terms of such subordinate loan. B. Lender has no obligation to make any modification of the Loan Documents if any of the requirements under this Agreement have not been met. C. Prior to the Modification Effective Date (as defined in Section 3), if Lender determines that any of my representations in Section 1 are no longer true and correct, (1) the Loan Documents will not be modified, (2) this Agreement will not be valid, and (3) Lender will have all of the rights and remedies provided by the Loan Documents. D. The Loan Documents will not be modified unless and until (1) Lender approves this Agreement and (2) the Modification Effective Date (as defined in Section 3 below) has occurred. 3. The Modification. If all of my representations in Section 1 above continue to be true in all material respects and all preconditions to the modification set forth in Section 2 above have been met, the Loan Documents will automatically become modified on 06/01/2025 (the "Modification Effective Date") and all unpaid late charges, penalties, and fees that remain unpaid will be waived. If I have failed to make any payments that are a precondition to this modification, this modification will not take effect. A. The new Maturity Date will be: 06/01/2065 B. As of the Modification Effective Date, the new principal balance of my Original Note will be $70,941.03 (the "New Principal Balance"). In servicing your loan, the Lender may have incurred third-party fees or charges that were not included in the terms of this Agreement. If so, these fees and charges will appear on your monthly statement under "Fees and Charges." These fees and charges will not accrue interest or late fees. You may pay these fees and charges at any time. If not previously paid, you must pay these fees and charges at the earliest of (1) the date you sell or transfer an interest in the Property, (2) the date you pay the entire New Principal Balance, or (3) the Maturity Date. C. I promise to pay the New Principal Balance, plus interest, to the order of Lender. D. Interest at the fixed rate of 7.250% will begin to accrue on the New Principal Balance as of 06/01/2025 and my first new monthly payment on the New Principal Balance will be due on 07/01/2025. My fully amortizing payment schedule for the modified Loan is as follows: <table> <tr> <th>Years</th> <th>Interest Rate</th> <th>Monthly Principal and Interest Payment Amount</th> <th>Estimated Monthly Escrow Payment Amount*</th> <th>Total Monthly Payment**</th> <th>Payment Begins On</th> <th>Number of Monthly Payments</th> </tr> <tr> <td>40 years</td> <td>7.250%</td> <td>$453.79</td> <td>$271.45, may adjust periodically</td> <td>$725.24, may adjust periodically</td> <td>07/01/2025</td> <td>480</td> </tr> </table> * The escrow payments may be adjusted periodically in accordance with applicable law. Therefore, my total monthly payment may change accordingly. The total monthly payment amount shown does not include the cost for any optional products that may be on the mortgage loan. The terms in this Section 3.D. supersedes any provisions to the contrary in the Loan Documents, including (but not limited to) provisions for an adjustable- or step-interest rate. E. I will be in default if I do not comply with the terms of the Loan Documents, as modified by this Agreement. F. The interest rate set forth in Section 3.D. above shall apply even in the event of default and if the Loan Documents permitted a default rate of interest. 4. Additional Agreements. Lender and I agree to the following: A. I accept the risks of entering into this Agreement. These risks include (but are not limited to): (1) The subordinate lien will require a balloon payment when I pay off, sell, or refinance the Property, which may make these things more difficult to do. The subordinate lien may also make it more difficult to get additional subordinate lien financing. (2) My modified loan will have a fixed interest rate that will not change. As a result, if the interest rate in my Loan Documents could go up and down based on changes in an index, my new fixed interest rate might sometimes be higher than I would have had before this modification. B. I authorize Lender to attach an Exhibit A to this Agreement, which will include a Legal Description, recording information of the original security instrument, and any other relevant information required by a County Clerk's Office (or other recordation office) to allow for recording if and when Lender seeks recordation. C. All persons who signed the Loan Documents or their authorized representative(s) have signed this Agreement, unless (1) a borrower or co-borrower is deceased; (2) the borrower and co-borrower are divorced and the Property has been transferred to one spouse in the divorce decree, in which event the spouse who no longer has an interest in the Property need not sign this Agreement (although the non-signing spouse may continue to be held liable for the obligation under the Loan Documents); or (3) Lender has waived this requirement in writing. This Agreement may be executed in separate counterparts, each of which shall be deemed an original. D. This Agreement supersedes the terms of any modification, forbearance, trial period plan, or loan workout plan that I entered into with Lender before the Modification Effective Date of this Agreement. E. All terms and provisions of the Loan Documents, except as expressly modified by this Agreement, remain in full force and effect and I will comply, with all covenants, agreements, and requirements of the Loan Documents, including (but not limited to) my agreement to pay all taxes, insurance premiums, assessments, Escrow Items, impounds, and all other similar obligations, the amounts of which may periodically change in accordance with the terms of my Loan Documents. Except as otherwise specifically provided in, and as expressly modified by, this Agreement, Lender and I will be bound by, and will comply with, all of the terms and conditions of the Loan Documents. F. The Loan Documents are duly valid, binding agreements, enforceable in accordance with their terms and are hereby reaffirmed. G. On and after the Modification Effective Date, Lender will allow the transfer and assumption of the Loan, including this Agreement, only as permitted under FHA guidelines. Except as noted herein, this Agreement may not be assigned to, or assumed by, a buyer or transferee of the Property. H. If any pending foreclosure action is dismissed or withdrawn as a result of entering into this Agreement, Borrower will remain liable for and bear his/her/their own fees and costs incurred in connection with such foreclosure proceedings, if permitted by applicable law. I. The mortgage insurance premiums on the loan, if applicable, may increase and the date on which Borrower may request cancellation of mortgage insurance may change as a result of modifying the loan. J. Any Borrower who co-signed the Security Instrument but did not execute the Original Note (a "Co-signer") and has not assumed the debt: (a) is co-signing this Agreement only to acknowledge the Agreement; (b) is not personally obligated to pay the sums secured by the Security Instrument; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or make any accommodations with regard to the terms of the Original Note or the Security Instrument without the Co-signer's consent. K. On and after the Modification Effective Date, any provision in the Original Note (or in any addendum or amendment to the Original Note) that allowed for the assessment of a penalty for full or partial prepayment of the Original Note, is null and void. L. I will cooperate fully with Lender in obtaining any title endorsement(s) or similar title insurance product(s) and/or any subordination agreement(s) that are necessary or required by Lender's procedures and/or the Program to ensure that the Security Instrument, as modified by this Agreement, is in first lien priority position and is fully enforceable. The terms of this Agreement will not become effective, and this Agreement will be null and void, if Lender does not receive such title endorsement(s), title insurance product(s), and/or subordination agreement(s) on or before the Modification Effective Date. M. I know that I am only entitled to loss mitigation terms that comply with the Program. Therefore, if Lender discovers any error in the terms of this Agreement or in the required subordinate mortgage loan, I authorize the Lender to advise me of the error. If I do not accept the corrected terms, at Lender's option, this Agreement becomes void and of no legal effect. If I accept the corrected terms, I will execute and promptly return to Lender the revised and additional documents that will (1) consummate the intended terms and conditions of this Agreement and/or (2) correct the terms and conditions of this Agreement ("Corrected Agreement"). If I do not sign and deliver a Corrected Agreement or any additional document required by Lender to comply with the Program, the terms of the original Loan Documents shall continue in full force and effect, such terms will not be modified by this Agreement, and I may not be eligible for the Modification. N. Lender may collect and record, as applicable, personal information about me, including, but not limited to, my name, address, telephone number, social security number, credit score, income, payment history, government monitoring information, and information about account balances and activity ("Personal Information"). In addition, I consent to the disclosure of my Personal Information and the terms of this Agreement by Lender to (1) any government entity that regulates Lender; (2) any investor, insurer, guarantor, or servicer that owns, insures, guarantees, or services my first lien or subordinate lien (if applicable) mortgage loan(s); (3) companies that perform support services for FHA or Lender; and, (4) any HUD-certified housing counseling agency. O. If any document related to the Loan Documents and/or this Agreement is lost, misplaced, misstated, inaccurately reflects the true and correct terms and conditions of the loan as modified, or is otherwise missing, I will comply with Lender's request to execute, acknowledge, initial, and deliver to Lender any documentation Lender deems necessary ("Replacement Documents"). If the original promissory note is replaced, Lender hereby indemnifies me against any loss associated with a demand on the original note. I will deliver the Replacement Documents within ten days after I receive Lender's written request for such replacement. P. CORRECTION AGREEMENT. The undersigned Borrower(s), for and in consideration of the approval, closing and funding of this agreement, hereby grants Freedom Mortgage Corporation, as lender, limited power of attorney to correct and/or initial all typographical or clerical errors discovered in the Agreement required to be signed. In the event this limited power of attorney is exercised, the undersigned will be notified and receive a copy of the document executed or initialed on their behalf. This provision may not be used to modify the interest rate, modify the term, modify the outstanding principal balance or modify the undersigned's monthly principal and interest payments as modified by this Agreement. Any of these specified changes must be executed directly by the undersigned. This limited power of attorney shall remain in effect for the life of the loan beginning with the effective date of the undersigned borrower's agreement, or the date any and all documents that the lender requires to be recorded have been successfully recorded at the appropriate office, whichever is later. Borrower agrees to make and execute such other documents or papers as necessary or required to effectuate the terms and conditions of this Agreement which, if approved and accepted by Lender, shall bind and inure to their heirs, executors, administrators, and assigns of the Borrower. Borrower(s) agree(s) to assume all costs including, by way of illustration and not limitation, actual expenses, legal fees and marketing losses for failing to comply with correction requests in the above noted time period, unless prohibited by applicable law. Q. RETURN EXECUTED AGREEMENT. Borrower must deliver to Freedom Mortgage Corporation a properly signed agreement and all enclosed documents without alteration by 06/05/2025. If Borrower does not return a properly signed agreement and all enclosed documents by this date and make the first monthly payment pursuant to the terms of this agreement, Freedom Mortgage Corporation may deny or cancel this agreement. If the Borrower returns a properly signed agreement by said date, payments pursuant to the agreement are due as outlined in this agreement. Freedom Mortgage Corporation may deny or cancel this agreement if Borrower fails to make the first payment due pursuant to this agreement. All Borrowers are required to sign and date this Agreement in blue or black ink only as the Borrowers' name appears below. If signed using any other color or method, the document may not be accepted and another copy of the Agreement may be sent to the Borrower to be signed. By signing below, all Borrowers certify they have read this Agreement in its entirety, that all Borrowers know and understand the meaning and intent of this Agreement and that all Borrowers enter into this Agreement knowingly and voluntarily. By signing below, all Borrowers agree to all terms and conditions described on every page of this Agreement. By SIGNING BELOW, Borrower accepts and agrees to the terms contained in this Security Instrument and in any rider(s) executed by Borrower and recorded with it. [Signature] Christopher M. Briggs (Must be signed exactly as printed) 6/14/2025 Signature Date (MM/DD/YYYY) [Signature] Teresa C. Briggs (Must be signed exactly as printed) 6/14/2025 Signature Date (MM/DD/YYYY) (Space below this line for Acknowledgement) STATE OF Oklahoma COUNTY OF Kay On the ____________ day of June ____________________ in the year 2023 before me, the undersigned, Notary Public (or [ ] if an Online Notary Public), in and for said State, personally appeared by physical presence (or [ ] if by online notarization/use of audio/video communication technology) Christopher M. Briggs and Teresa C. Briggs, personally known to me or proved to me on the basis of satisfactory evidence of identification to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they voluntarily executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on the instrument, the person or entity upon behalf of which the person or entity acted, executed the instrument for its stated purpose. Personally Known ___ OR Type of Identification Produced: [blacked out] WITNESS my hand and official seal. (Signature) Notary Public: Liam Morgan (Printed Name) My commission expires: 2/14/2025 (Notary Public Seal) (Please ensure seal does not overlap any language or print) MORTGAGE TAX PAID $720 REC # 1138 DATE JUN 13 2025 KAY COUNTY OK RHONDA STEPHENS TREASURER DEPUTY Leah Anne Slater DO NOT WRITE BELOW THIS LINE. ********************************************************************** THIS SECTION IS FOR INTERNAL USE ONLY Freedom Mortgage Corporation By: Mortgage Connect, L.P., its attorney in fact [Signature] Cody Null Name:Cody Null Date 06/10/2025 Title: Assistant Vice President _________________________/Space below this line for Acknowledgement/ STATE OF Pennsylvania COUNTY OF Allegheny On 10 day of June in the year 2025 before me, Rhonda Mae Shaffer Notary Public, personally appeared, Cody Null, Assistant Vice President of Mortgage Connect, L.P., Attorney in Fact for Freedom Mortgage Corporation, personally known to me (or proved to me on the basis of satisfactory evidence) to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on the instrument the person(s), or entity upon behalf of which the person(s) acted, executed the instrument. WITNESS my hand and official seal. Rhonda Mae Shaffer Notary Signature Rhonda Mae Shaffer Notary Public Printed Name (exactly as printed on seal) Notary Public Commission 12/23/2025 Expiration Date (Please ensure seal does not overlap any language or print) Commonwealth of Pennsylvania - Notary Seal RHONDA MAE SHAPPER - Notary Public Allegheny County My Commission Expires December 21, 2015 Commission Number 1419595 EXHIBIT A The following described real property situated in Kay County, State of Oklahoma: Lot 19, Block 1, Anio Park Addition to the City of Ponca City, Kay County, State of Oklahoma, according to the recorded plat thereof RETURN TO: STEWART ESCROW & TITLE 1922 LAKE RD. PONCA CITY, OK. 74604 After Recording Return To: OPEN MORTGAGE, LLC 14101 Highway 290 West, Bldg. #1300 Austin, TX 78737 [Space Above This Line For Recording Data] State of Oklahoma Loan Number: ____________ Borrower: BRIGGS MIN: ____________ FHA Case Number: ____________ MORTGAGE THIS MORTGAGE ("Security Instrument") is given on May 14, 2015. The Mortgagor is CHRISTOPHER M BRIGGS AND TERESA C BRIGGS, A HUSBAND AND WIFE ("Borrower"). This Security Instrument is given to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. ("MERS"), (solely as nominee for Lender, as hereinafter defined, and Lender’s successors and assigns), as beneficiary. 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. OPEN MORTGAGE, LLC ("Lender") is organized and existing under the laws of the State of Texas, and has an address of 14101 Highway 290 West, Bldg. #1300, Austin, TX 78737. Borrower owes Lender the principal sum of SEVENTY-SIX THOUSAND FIVE HUNDRED EIGHTY-SEVEN AND 00/100 Dollars (U.S. $76,587.00). This debt is evidenced by Borrower's note dated the same date as this Security Instrument ("Note"), which provides for monthly payments, with the full debt, if not paid earlier, due and payable on June 1, 2045. This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modifications of the Note; (b) the payment of all other sums, with interest, advanced under paragraph 7 to protect the security of this Security Instrument; and (c) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to MERS (solely as nominee for Lender and Lender's successors and assigns) and to the successors and assigns of MERS, with power of sale, the following described property located in KAY County, Oklahoma: LOT 19, BLOCK 1, ANLO PARK ADDITION TO THE CITY OF PONCA CITY, KAY COUNTY, STATE OF OKLAHOMA, ACCORDING TO THE RECORDED PLAT THEREOF. Parcel ID Number: 004000001019000000 which currently has the address of 1609 BRADBARY LN (Street) PONCA CITY, OKLAHOMA 74601 ("Property Address"): (City) (Zip Code) TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property." Borrower understands and agrees that MERS holds only legal title to the interests granted by Borrower in this Security Instrument; but, if necessary to comply with law or custom, MERS (as nominee for Lender and Lender's successors and assigns) has the right: to exercise any or all of those interests, including, but not limited to, the right to foreclose and sell the Property; and to take any action required of Lender including, but not limited to, releasing or canceling this Security Instrument. BORROWER COVENANTS that Borrower is lawfully 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 and Late Charge. Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and late charges due under the Note. 2. Monthly Payment of Taxes, Insurance, and Other Charges. Borrower shall include in each monthly payment, together with the principal and interest as set forth in the Note and any late charges, a sum for (a) taxes and special assessments levied or to be levied against the Property, (b) leasehold payments or ground rents on the Property, and (c) premiums for insurance required under paragraph 4. In any year in which the Lender must pay a mortgage insurance premium to the Secretary of Housing and Urban Development ("Secretary"), or in any year in which such premium would have been required if Lender still held the Security Instrument, each monthly payment shall also include either: (i) a sum for the annual mortgage insurance premium to be paid by Lender to the Secretary, or (ii) a monthly charge instead of a mortgage insurance premium if this Security Instrument is held by the Secretary, in a reasonable amount to be determined by the Secretary. Except for the monthly charge by the Secretary, these items are called "Escrow Items" and the sums paid to Lender are called "Escrow Funds." Lender may, at any time, collect and hold amounts for Escrow Items in an aggregate amount not to exceed the maximum amount that may be required for Borrower's escrow account under the Real Estate Settlement Procedures Act of 1974, 12 U.S.C. § 2601 et seq. and implementing regulations, 12 C.F.R. Part 1024, as they may be amended from time to time ("RESPA"), except that the cushion or reserve permitted by RESPA for unanticipated disbursements or disbursements before the Borrower's payments are available in the account may not be based on amounts due for the mortgage insurance premium. If the amounts held by Lender for Escrow Items exceed the amounts permitted to be held by RESPA, Lender shall account to Borrower for the excess funds as required by RESPA. If the amounts of funds held by Lender at any time are not sufficient to pay the Escrow Items when due, Lender may notify the Borrower and require Borrower to make up the shortage as permitted by RESPA. The Escrow Funds are pledged as additional security for all sums secured by this Security Instrument. If Borrower tenders to Lender the full payment of all such sums, Borrower's account shall be credited with the balance remaining for all installment items (a), (b), and (c) and any mortgage insurance premium installment that Lender has not become obligated to pay to the Secretary, and Lender shall promptly refund any excess funds to Borrower. Immediately prior to a foreclosure sale of the Property or its acquisition by Lender, Borrower's account shall be credited with any balance remaining for all installments for items (a), (b), and (c). 3. Application of Payments. All payments under paragraphs 1 and 2 shall be applied by Lender as follows: First, to the mortgage insurance premium to be paid by Lender to the Secretary or to the monthly charge by the Secretary instead of the monthly mortgage insurance premium; Second, to any taxes, special assessments, leasehold payments or ground rents, and fire, flood and other hazard insurance premiums, as required; Third, to interest due under the Note; Fourth, to amortization of the principal of the Note; and Fifth, to late charges due under the Note. 4. Fire, Flood and Other Hazard Insurance. Borrower shall insure all improvements on the Property, whether now in existence or subsequently erected, against any hazards, casualties, and contingencies, including fire, for which Lender requires insurance. This insurance shall be maintained in the amounts and for the periods that Lender requires. Borrower shall also insure all improvements on the Property, whether now in existence or subsequently erected, against loss by floods to the extent required by the Secretary. All insurance shall be carried with companies approved by Lender. The insurance policies and any renewals shall be held by Lender and shall include loss payable clauses in favor of, and in a form acceptable to, Lender. In the event of loss, Borrower shall give Lender immediate notice by mail. Lender may make proof of loss if not made promptly by Borrower. Each insurance company concerned is hereby authorized and directed to make payment for such loss directly to Lender, instead of to Borrower and to Lender jointly. All or any part of the insurance proceeds may be applied by Lender, at its option, either (a) to the reduction of the indebtedness under the Note and this Security Instrument, first to any delinquent amounts applied in the order in paragraph 3, and then to prepayment of principal, or (b) to the restoration or repair of the damaged Property. Any application of the proceeds to the principal shall not extend or postpone the due date of the monthly payments which are referred to in paragraph 2, or change the amount of such payments. Any excess insurance proceeds over an amount required to pay all outstanding indebtedness under the Note and this Security Instrument shall be paid to the entity legally entitled thereto. In the event of foreclosure of this Security Instrument or other transfer of title to the Property that extinguishes the indebtedness, all right, title and interest of Borrower in and to insurance policies in force shall pass to the purchaser. 5. Occupancy, Preservation, Maintenance and Protection of the Property; Borrower's Loan Application; Leaseholds. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within sixty days after the execution of this Security Instrument (or within sixty days of a later sale or transfer of the Property) and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender determines that requirement will cause undue hardship for Borrower, or unless extenuating circumstances exist which are beyond Borrower's control. Borrower shall notify Lender of any extenuating circumstances. Borrower shall not commit waste or destroy, damage or substantially change the Property or allow the Property to deteriorate, reasonable wear and tear excepted. Lender may inspect the Property if the Property is vacant or abandoned or the loan is in default. Lender may take reasonable action to protect and preserve such vacant or abandoned Property. Borrower shall also be in default if Borrower, during the loan application process, gave materially false or inaccurate information or statements to Lender (or failed to provide Lender with any material information) in connection with the loan evidenced by the Note, including, but not limited to, representations concerning Borrower's occupancy of the Property as a principal residence. If this Security Instrument is on a leasehold, Borrower shall comply with the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and fee title shall not be merged unless Lender agrees to the merger in writing. 6. Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection with any condemnation or other taking of any part of the Property, or for conveyance in place of condemnation, are hereby assigned and shall be paid to Lender to the extent of the full amount of the indebtedness that remains unpaid under the Note and this Security Instrument. Lender shall apply such proceeds to the reduction of the indebtedness under the Note and this Security Instrument, first to any delinquent amounts applied in the order provided in paragraph 3, and then to prepayment of principal. Any application of the proceeds to the principal shall not extend or postpone the due date of the monthly payments, which are referred to in paragraph 2, or change the amount of such payments. Any excess proceeds over an amount required to pay all outstanding indebtedness under the Note and this Security Instrument shall be paid to the entity legally entitled thereto. 7. Charges to Borrower and Protection of Lender's Rights in the Property. Borrower shall pay all governmental or municipal charges, fines and impositions that are not included in paragraph 2. Borrower shall pay these obligations on time directly to the entity which is owed the payment. If failure to pay would adversely affect Lender's interest in the Property, upon Lender's request Borrower shall promptly furnish to Lender receipts evidencing these payments. If Borrower fails to make these payments or the payments required by paragraph 2, or fails to perform any other covenants and agreements contained in this Security Instrument, or there is a legal proceeding that may significantly affect Lender's rights in the Property (such as a proceeding in bankruptcy, for condemnation or to enforce laws or regulations), then Lender may do and pay whatever is necessary to protect the value of the Property and Lender's rights in the Property, including payment of taxes, hazard insurance and other items mentioned in paragraph 2. Any amounts disbursed by Lender under this paragraph shall become an additional debt of Borrower and be secured by this Security Instrument. These amounts shall bear interest from the date of disbursement at the Note rate, and at the option of Lender, shall be immediately due and payable. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender; (b) contests in good faith the lien by, or defends against enforcement of the lien in, legal proceedings which in the Lender's opinion operate to prevent the enforcement of the lien; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which may attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Borrower shall satisfy the lien or take one or more of the actions set forth above within 10 days of the giving of notice. 8. Fees. Lender may collect fees and charges authorized by the Secretary. 9. Grounds for Acceleration of Debt. (a) Default. Lender may, except as limited by regulations issued by the Secretary in the case of payment defaults, require immediate payment in full of all sums secured by this Security Instrument if: (i) Borrower defaults by failing to pay in full any monthly payment required by this Security Instrument prior to or on the due date of the next monthly payment, or (ii) Borrower defaults by failing, for a period of thirty days, to perform any other obligations contained in this Security Instrument. (b) Sale Without Credit Approval. Lender shall, if permitted by applicable law (including Section 341(d) of the Garn - St. Germain Depository Institutions Act of 1982, 12 U.S.C. 1701-j-3(d)) and with the prior approval of the Secretary, require immediate payment in full of all sums secured by this Security Instrument if: (i) All or part of the Property, or a beneficial interest in a trust owning all or part of the Property, is sold or otherwise transferred (other than by devise or descent), and (ii) The Property is not occupied by the purchaser or grantee as his or her principal residence, or the purchaser or grantee does so occupy the Property, but his or her credit has not been approved in accordance with the requirements of the Secretary. (c) No Waiver. If circumstances occur that would permit Lender to require immediate payment in full, but Lender does not require such payments, Lender does not waive its rights with respect to subsequent events. (d) Regulations of HUD Secretary. In many circumstances regulations issued by the Secretary will limit Lender's rights, in the case of payment defaults, to require immediate payment in full and foreclose if not paid. This Security Instrument does not authorize acceleration or foreclosure if not permitted by regulations of the Secretary. (e) Mortgage Not Insured. Borrower agrees that if this Security Instrument and the Note are not determined to be eligible for insurance under the National Housing Act within 60 days from the date hereof, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument. A written statement of any authorized agent of the Secretary dated subsequent to 60 days from the date hereof, declining to insure this Security Instrument and the Note, shall be deemed conclusive proof of such ineligibility. Notwithstanding the foregoing, this option may not be exercised by Lender when the unavailability of insurance is solely due to Lender's failure to remit a mortgage insurance premium to the Secretary. 10. Reinstatement. Borrower has a right to be reinstated if Lender has required immediate payment in full because of Borrower's failure to pay an amount due under the Note or this Security Instrument. This right applies even after foreclosure proceedings are instituted. To reinstate the Security Instrument, Borrower shall tender in a lump sum all amounts required to bring Borrower's account current including, to the extent they are obligations of Borrower under this Security Instrument, foreclosure costs and reasonable and customary attorneys' fees and expenses properly associated with the foreclosure proceeding. Upon reinstatement by Borrower, this Security Instrument and the obligations that it secures shall remain in effect as if Lender had not required immediate payment in full. However, Lender is not required to permit reinstatement if: (i) Lender has accepted reinstatement after the commencement of foreclosure proceedings within two years immediately preceding the commencement of a current foreclosure proceeding, (ii) reinstatement will preclude foreclosure on different grounds in the future, or (iii) reinstatement will adversely affect the priority of the lien created by this Security Instrument. 11. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time of payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to any successor in interest of Borrower shall not operate to release the liability of the original Borrower or Borrower's successor in interest. Lender shall not be required to commence proceedings against any successor in interest or refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or Borrower's successors in interest. Any forbearance by Lender in exercising any right or remedy shall not be a waiver of or preclude the exercise of any right or remedy. 12. Successors and Assigns Bound; Joint and Several Liability; Co-Signers. The covenants and agreements of this Security Instrument shall bind and benefit the successors and assigns of Lender and Borrower, subject to the provisions of paragraph 9(b). Borrower's covenants and agreements shall be joint and several. Any Borrower who co-signs this Security Instrument but does not execute the Note: (a) is co-signing this Security Instrument only to mortgage, grant and convey that Borrower's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower may agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without that Borrower's consent. 13. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by mailing it by first class mail unless applicable law requires use of another method. The notice shall be directed to the Property Address or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given by first class mail to Lender's address stated herein or any address Lender designates by notice to Borrower. Any notice provided for in this Security Instrument shall be deemed to have been given to Borrower or Lender when given as provided in this paragraph. 14. Governing Law; Severability. This Security Instrument shall be governed by Federal law and the law of the jurisdiction in which the Property is located. In the event that any provision or clause of this Security Instrument or the Note conflicts with applicable law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. To this end the provisions of this Security Instrument and the Note are declared to be severable. 15. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument. 16. Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property that is in violation of any Environmental Law. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property. Borrower shall promptly give Lender written notice of any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substances or Environmental Law of which Borrower has actual knowledge. If Borrower learns, or is notified by any governmental or regulatory authority, that any removal or other remediation of any Hazardous Substances affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. As used in this paragraph 16, "Hazardous Substances" are those substances defined as toxic or hazardous substances by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials. As used in this paragraph 16, "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection. NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 17. Assignment of Rents. Borrower unconditionally assigns and transfers to Lender all the rents and revenues of the Property. Borrower authorizes Lender or Lender's agents to collect the rents and revenues and hereby directs each tenant of the Property to pay the rents to Lender or Lender's agents. However, prior to Lender's notice to Borrower of Borrower's breach of any covenant or agreement in the Security Instrument, Borrower shall collect and receive all rents and revenues of the Property as trustee for the benefit of Lender and Borrower. This assignment of rents constitutes an absolute assignment and not an assignment for additional security only. If Lender gives notice of breach to Borrower: (a) all rents received by Borrower shall be held by Borrower as trustee for benefit of Lender only, to be applied to the sums secured by the Security Instrument; (b) Lender shall be entitled to collect and receive all of the rents of the Property; and (c) each tenant of the Property shall pay all rents due and unpaid to Lender or Lender's agent on Lender's written demand to the tenant. Borrower has not executed any prior assignment of the rents and has not and will not perform any act that would prevent Lender from exercising its rights under this paragraph 17. Lender shall not be required to enter upon, take control of or maintain the Property before or after giving notice of breach to Borrower. However, Lender or a judicially appointed receiver may do so at any time there is a breach. Any application of rents shall not cure or waive any default or invalidate any other right or remedy of Lender. This assignment of rents of the Property shall terminate when the debt secured by the Security Instrument is paid in full. 18. Foreclosure Procedure. If Lender requires immediate payment in full under paragraph 9, Lender may invoke the power of sale and other remedies permitted by applicable law. Lender shall be entitled to collect all costs and expenses incurred in pursuing the remedies provided in this paragraph 18, including, but not limited to, reasonable attorneys' fees and costs of title evidence. If Lender Invokes the power of sale, Lender shall give notice in the manner required by applicable law to Borrower and any other persons prescribed by applicable law. Lender shall also publish the notice of sale, and the Property shall be sold, as prescribed by applicable law. Lender or its designee may purchase the Property at any sale. The proceeds of the sale shall be applied in the manner prescribed by applicable law. If the Lender's interest in this Security Instrument is held by the Secretary and the Secretary requires immediate payment in full under paragraph 9, the Secretary may invoke the nonjudicial power of sale provided in the Single Family Mortgage Foreclosure Act of 1994 ("Act") (12 U.S.C. 3751 et seq.) by requesting a foreclosure commissioner designated under the Act to commence foreclosure and to sell the Property as provided in the Act. Nothing in the preceding sentence shall deprive the Secretary of any rights otherwise available to a Lender under this paragraph 18 or applicable law. 19. Release. Upon payment of all sums secured by this Security Instrument, Lender shall release this Security Instrument without charge to Borrower. Borrower shall pay any recordation costs unless applicable law provides otherwise. 20. Waiver of Appraisement. Appraisement of the Property is waived or not waived at Lender's option, which shall be exercised before or at the time judgment is entered in any foreclosure. 21. Assumption Fee. If there is an assumption of this loan, Lender may charge an assumption fee of U.S. $500.00 maximum when the assumption includes a release of liability. 22. Riders to this Security Instrument. If one or more riders are executed by Borrower and recorded together with this Security Instrument, the covenants of each such rider shall be incorporated into and shall amend and supplement the covenants and agreements of this Security Instrument as if the rider(s) were a part of this Security Instrument. [Check applicable box(es)] [ ] Condominium Rider [ ] Growing Equity Rider [ ] Planned Unit Development Rider [ ] Graduated Payment Rider [ ] Adjustable Rate Rider [ ] Other [specify] NOTICE TO BORROWER A power of sale has been granted in this Security Instrument. A power of sale may allow the Lender to take the Property and sell it without going to court in a foreclosure action upon default by Borrower under this Security Instrument. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any rider(s) executed by Borrower and recorded with it. WITNESS(ES) (as to all signatures): Printed Name Printed Name [Seal] CHRISTOPHER M BRIGGS [Seal] TERESA C BRIGGS R.E. MTG. TAX $ 716.60 Paid $19115 Receipt No. 1285 Christy Kennedy, Kay Co. Treasurer By [name] Deputy [Space Below This Line For Acknowledgment] State of OKLAHOMA County of Kay This foregoing instrument was acknowledged before me on this 14th day of Mary 2015 by CHRISTOPHER M BRIGGS AND TERESA C BRIGGS, husband and wife. Mary Anne Waymire Notary Public Title or Rank ________________________________ My commission expires on ______________________ My commission # ___________________________ CORPORATE ASSIGNMENT OF MORTGAGE Kay, Oklahoma Freedom Mortgage Corporation & "BRIGGS" Date of Assignment: September 10th, 2019 Assignor: Mortgage Electronic Registration Systems, Inc., solely as nominee for Open Mortgage, LLC, its successors and assigns within the lending institution having an address at P.O. Box 20283, Flint, MI 48501-2028 Assignee: Freedom Mortgage Corporation at 907 Pleasant Valley Ave, Ste 3, Mount Laurel, NJ 08054 Executed By: CHRISTOPHER M BRIGGS AND TERESA C BRIGGS, A HUSBAND AND WIFE To: Mortgage Electronic Registration Systems, Inc., solely as nominee for Open Mortgage, LLC, its successors and assigns. Dated: 05-14-2015 Recorded: 05-18-2015 an Instrument No. I-2015-004249 Book/Redumber 1679, Page/Folio 0972 in the County of Kay, State of Oklahoma. Property Address: 1609 BRADBARY LN, PONCA CITY, OK 74601 Legal: LOT 19, BLOCK IV ANLO PARK ADDITION TO THE CITY OF PONCA CITY, KAY COUNTY, STATE OF OKLAHOMA, ACCORDING TO THE RECORDED PLAT THEREOF KNOW ALL MEN BY THESE PRESENTS, that for good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, the said Assignor hereby assigns unto the above-named Assignee, the said Mortgage having an original principal sum of $76,587.00 with interest, secured thereby, and the full benefit of all the powers and of all the covenants and provisos therein contained, and the said Assignor hereby grants and conveys unto the said Assignee, the Assignor's interest under the Mortgage. TO HAVE AND TO HOLD the said Mortgage, and the said property unto the said Assignee forever, subject to the terms contained in said Mortgage. Mortgage Electronic Registration Systems, Inc., solely as nominee for Open Mortgage, LLC, its successors and assigns On September 10th, 2019 By______________________________ Lisa A. Cottone, Vice President STATE OF New Jersey COUNTY OF Burlington On September 10th, 2019, before me, Brenda Rostrom, a Notary Public in and for Burlington in the State of New Jersey, personally appeared Lisa A. Cottone, Vice President, Mortgage Electronic Registration Systems, Inc., solely as nominee for Open Mortgage, LLC, its successors and assigns, personally known to me (or proved to me on the basis of satisfactory evidence) to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity, and that by his/her/their signature on the instrument the person(s), or the entity upon behalf of which the person(s) acted, executed the instrument. WITNESS my hand and official seal. Brenda Rostrom Notary Expires: 1/29/2022 Recording Requested By: Freedom Mortgage Corporation 907 Pleasant Valley Avenue Mount Laurel, NJ 08054 After Recording Return To: Freedom Mortgage Corporation CO Mortgage Connect Document Solutions 6860 North Argonne Street, Unit A Denver, CO 80249 APN/Tax ID: [REDACTED] Recording Number: 2012805 This document was prepared by Freedom Mortgage Corporation (Michele Rice; 10500 Kincaid Drive Suite 111, Fishers IN 46037-9764 (855)590-5900) Exempt Documentary Stamp Tax OS Title 68, Article 32, Section 3202, Paragraph12 Space Above This Line For Recording Data FHA Case No SUBORDINATE MORTGAGE THIS SUBORDINATE MORTGAGE ("Security Instrument") is given on 1st day of March, 2022. The Mortgagor is CHRISTOPHER M BRIGGS AND TERESA C BRIGGS, A HUSBAND AND WIFE Whose address is 1609 BRADBARY LN PONCA CITY, OK 74601-2514 ("Borrower"). This Security Instrument is given to the Secretary of Housing and Urban Development, its successors and assigns whose address is 451 Seventh Street, SW, Washington, DC 20410 ("Lender"). Borrower owes Lender the principal sum of ten thousand eight hundred sixty and 86/100 Dollars (U.S. $10,860.86). This debt is evidenced by Borrower's note dated the same date as this Security Instrument ("Note"), which provides for the full debt, if not paid earlier, due and payable on March 1, 2052. This SECURITY INSTRUMENT secures to Lender: (a) the repayment of the debt evidenced by the Note, and all renewals, extensions and modifications of the Note; (b) the payment of all other sums, advanced under Paragraph 2 to protect the security of this Security Instrument; and (c) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, warrant, grant and convey to the Lender, with the power of sale the following described property located in Kay County, State of OKLAHOMA which has the address of 1609 BRADBARY LN PONCA CITY, OK 74601-2514, ("Property Address") more particularly described as follows: See Exhibit A for Legal Description 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." VIEW ADDITIONAL LAND RECORDS AT OKCOUNTYRECORDS.COM BORROWER COVENANTS that Borrower is lawfully seized of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances or record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. Borrower and Lender covenant agree as follows: UNIFORM COVENANTS: 1. PAYMENT OF PRINCIPAL: Borrower shall pay when due the principal of the debt evidenced by the Note. 2. BORROWER NOT RELEASED; FORBEARANCE BY LENDER NOT A WAIVER. Extension of the time of payment of the sums secured by this Security Instrument granted by Lender to any successor in interest of Borrower shall not operate to release the liability of the original Borrower or Borrower's successor in interest. Lender shall not be required to commence proceedings against any successor in interest or refuse to extend time for payment or otherwise modify authorization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or Borrower's successor in interest. Any forbearance by Lender in exercising any right or remedy shall not be a waiver of or preclude the exercise of any right or remedy. 3. SUCCESSORS AND ASSIGNS BOUND; JOINT AND SEVERAL LIABILITY; CO-SIGNERS. The covenants and agreements of this Security Instrument shall bind and benefit the successors and assigns of Lender and Borrower. Borrower's covenants and agreements shall be joint and several. Any Borrower who co-signs this Security Instrument but does not execute the Note: (a) is co-signing this Security Instrument only to mortgage, grant and convey that Borrower's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower may agree to extend, modify, forbear or make any accommodations with regard to the term of this Security Instrument or the Note without that Borrower's consent. 4. NOTICES. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by mailing it by first class mail unless applicable law requires use of another method. The notice shall be directed to the Property Address or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given by first class mail to: Department of Housing and Urban Development, Attention: Single Family Notes Branch, 451 Seventh Street, SW, Washington, DC 10410 or any address Lender designates by notice to Borrower. Any notice provided for in this Security Instrument shall be deemed to have been given to Borrower or Lender when given as provided in this paragraph. 5. GOVERNING LAW; SEVERABILITY. This Security Instrument shall be governed by Federal law and the law of the jurisdiction in which the Property is located. In the event that any provision or clause of this Security Instrument or the Note conflicts with applicable law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. To this end the provisions of this Security Instrument and the Note are declared to be severable. 6. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument. NON-UNIFORM COVENANTS: Borrower and Lender further covenant and agree as follows: 7. ACCELERATION; REMEDIES. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument unless applicable law provides otherwise. The notice shall specify: (a) the default; (b) the action required to cure the default; (c) a date by which the default must be cured; and (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. The notice further shall inform Borrower of the right to reinstate after acceleration and the rights he brings in conjunction 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 to the extent permitted by applicable law shall be entitled to collect all expenses incurred in pursuing the remedies provided in this Section 7, including without limitation reasonable attorney's 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 also shall 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 sale shall be applied in the manner prescribed by applicable law. 8. 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 by applicable law. 9. 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. 10. ASSUMPTION FEE. If there is an assumption of the Loan, Lender may charge an assumption fee of 1.00% of the outstanding principal balance of the Loan at the time of assumption. 11. 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. If the Lender's interest in this Security Instrument is held by the Secretary and the Secretary requires immediate payment in full under Paragraph 4 of the Subordinate Note, the Secretary may VIEW ADDITIONAL LAND RECORDS AT OKCOUNTR YRECORDS.COM invoke the nonjudicial power of sale provided in the Single Family Mortgage Foreclosure Act of 1994 ("Act") (12 U.S.C. § 3751 et seq.) by requesting a foreclosure commissioner designated under the Act to commence foreclosure and to sell the Property as provided in the Act. Nothing in the preceding sentence shall deprive the Secretary of any rights otherwise available to a Lender under this paragraph for applicable law. NOT AN OFFICIAL COPY VIEW ADDITIONAL LAND RECORDS AT OKCOUNTYRECORDS.COM By SIGNING BELOW, Borrower accepts and agrees to the terms contained in this Security Instrument and in any rider(s) executed by Borrower and recorded with it. Sign here to execute Subordinate Security Instrument: Christopher M Briggs (Must be signed exactly as printed) Signature Date (MM/DD/YYYY): 02/17/2022 Sign here to execute Subordinate Security Instrument: Teresa C Briggs (Must be signed exactly as printed) Signature Date (MM/DD/YYYY): 02/17/2022 Witness Signature: Beatriz Wynn Witness Printed Name: Beatriz Wynn Witness Signature Date (MM/DD/YYYY): 02/17/2022 STATE OF Oklahoma COUNTY OF Kay On the 7 day of February in the year 2022 before me, the undersigned, a Notary Public in and for said State, personally appeared Christopher M Briggs and Teresa C Briggs, personally known to me (or proved to me on the basis of satisfactory evidence) to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on the instrument, the person or entity upon behalf of which the person or entity acted, executed the instrument. WITNESS my hand and official seal. [signature] Notary Public: Beatriz Wynn (Printed Name) My commission expires: 11/10/2024 (Please ensure seal does not overlap any language or print) MORTGAGE TAX EXEMPT REC. # 454 DATE OCT 7 2022 KAY COUNTY, OK CHRISTY KENNEDY, TREASURER DEPUTY Thomas (Signature) VIEW ADDITIONAL LAND RECORDS AT OKCOUNTYRECORDS.COM EXHIBIT A TOWNE Lot 19, Block 1, Able Park Addition to the City of Ponca City, Kay County, State of Oklahoma, according to the recorded Plat hereof. NOT AN OFFICIAL COPY Being the same property as conveyed from Carolyn Ann Powell, an unmarried person, to Christopher N. Bridges and Jane O'Brien, husband and wife as joint tenants and not as tenants in common, with full right of Survivorship as set forth in Deed Instrument #1-2015-004248 dated 05/17/2015, recorded 05/17/2015 Kay County OKLAHOMA. VIEW ADDITIONAL LAND RECORDS AT OKCOUNTYRECORDS.COM Exhibit "H" NOT AN OFFICIAL COPY Recording Requested By: Freedom Mortgage Corporation 907 Pleasant Valley Avenue Mount Laurel, NJ 08054 After Recording Return To: Freedom Mortgage Corporation C/O Mortgage Connect Document Solutions 6860 North Argonne Street, Unit A Denver, CO 80249 APN/TAX ID: [blacked out] Recording Number: 2012805 This document was prepared by Freedom Mortgage Corporation. Michele Rice, 10500 Kingsland Drive, Suite 111, Fishers, IN 46037-9264 (855)690-5900 Exempt Documentary Stamp Tax OS Title 68 Article 32 Section 202, Paragraph12 Space Above This Line For Recording Data FHA Case No. SUBORDINATE MORTGAGE THIS SUBORDINATE MORTGAGE ("Security Instrument") is given on August 26, 2022. The Mortgagor is CHRISTOPHER M BRIGGS AND TERESA C BRIGGS, A HUSBAND AND WIFE Whose address is 1602 BRADBARY LN PONCA CITY, OK 74601-2314 ("Borrower"). This Security Instrument is given to the Secretary of Housing and Urban Development, its successors and assigns whose address is 451 Seventh Street, SW, Washington, DC 20410 ("Lender"). Borrower owes Lender the principal sum of six thousand five hundred sixty-seven and 34/100 Dollars (U.S. 6,567.34). This debt is evidenced by Borrower's note dated the same date as this Security Instrument ("Note"), which provides for the full debt, if not paid earlier, due and payable on September 1, 2062. This SECURITY INSTRUMENT secures to Lender: (a) the repayment of the debt evidenced by the Note, and all renewals, extensions and modifications of the Note; (b) the payment of all other sums, advanced under Paragraph 2 to protect the security of this Security Instrument; and (c) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, warrant, grant and convey to the Lender, with the power of sale the following described property located in Kay County, State of OKLAHOMA which has the address of 1602 BRADBARY LN PONCA CITY, OK 74601-2314, ("Property"). Partial Claim BORROWER COVENANTS that Borrower is lawfully seized of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances or record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. Borrower and Lender covenant agree as follows: UNIFORM COVENANTS. 1. PAYMENT OF PRINCIPAL: Borrower shall pay when due the principal of the debt evidenced by the Note. 2. BORROWER NOT RELEASED BY FORBEARANCE; LENDER NOT A WAIVER. Extension of the time of payment of the sums secured by this Security Instrument granted by Lender to any successor in interest of Borrower shall not operate to release the liability of the original Borrower or Borrower's successors in interest. Lender shall not be required to commence proceedings against any successor in interest or refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or Borrower's successors in interest. Any forbearance by Lender in exercising any right or remedy shall not be a waiver of or preclude the exercise of any right or remedy. 3. SUCCESSORS AND ASSIGNS BOUND; JOINT AND SEVERAL LIABILITY; CO-SIGNERS. The covenants and agreements of this Security Instrument shall bind and benefit the successors and assigns of Lender and Borrower. Borrower's covenants and agreements shall be joint and several. Any Borrower who co-signs this Security Instrument but does not execute the Note: (a) is co-signing this Security Instrument only to mortgage, grant and convey that Borrower's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower may agree to extend, modify, forbear or make any accommodations with regard to the term of this Security Instrument or the Note without that Borrower's consent. 4. NOTICES. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by mailing it by first class mail unless applicable law requires use of another method. The notice shall be directed to the Property Address or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given by first class mail to: Department of Housing and Urban Development, Attention: Single Family Notes Branch, 451 Seventh Street, SW, Washington, DC 10410 or any address Lender designates by notice to Borrower. Any notice provided for in this Security Instrument shall be deemed to have been given to Borrower or Lender when given as provided in this paragraph. 5. GOVERNING LAW; SEVERABILITY. This Security Instrument shall be governed by Federal law and construed in accordance with such law. In the event that any provision or clause of this Security Instrument or the Note conflicts with applicable law, such conflicting provision or clause of this Security Instrument or Note shall be void. Notwithstanding any such voiding of a conflicting provision or clause, the remaining provisions of this Security Instrument and Note are declared to be valid. 6. Borrower's Copy: Borrower shall be given one conformed copy of the Note and of this Security Instrument. NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 7. ACCELERATION; REMEDIES: Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument unless applicable law provides otherwise. The notice shall specify: (a) the default; (b) the action required to cure the default; (c) a date by which the default must be cured; and (d) that failure to cure the default on or before the date specified in the notice may result in acceleration of all sums secured by this Security Instrument and sale of the Property. The notice further shall 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 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 to the extent permitted by applicable law shall be entitled to collect all expenses incurred in pursuing the remedies provided in this Section 7, including without limitation reasonable attorney's 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 also shall 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 sale shall be applied in the manner prescribed by applicable law. 8. 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 by applicable law. 9. 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. 10. ASSUMPTION FEE. If there is an assumption of the Loan, Lender may charge an assumption fee of 1.00% of the outstanding principal balance of the Loan at the time of assumption. 11. 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. If the Lender's interest in this Security Instrument is held by the Secretary and the Secretary requires in writing a power of sale from the grantor, the Lender agrees that the Secretary may invoke the nonjudicial power of sale provided in the Single Family Mortgage Foreclosure Act of 1985 ("Act") if he determines a legal basis exists for a foreclosure action under other competent law and the Lender has received proper notice of the necessity to invoke the proceeding, and he shall be entitled to exercise any rights to defend any proceeding under this paragraph or applicable law. NOT AN EFFECTIVE COPY By SIGNING BELOW, Borrower accepts and agrees to the terms contained in the Security Instrument and in any endorsement(s) executed by Borrower and recorded with it. Sign here to execute Subordinate Security Instrument. Sign here to execute Subordinate Security Instrument. Christopher M Briggs (Must be signed exactly as printed) [Handwritten signature] Signature Date (MM/DD/YYYY) 10/21/2023 (Must be signed exactly as printed) [Handwritten signature] Signature Date (MM/DD/YYYY) 10/21/2023 MORTGAGE TAX EXEMPT REC. # 637599 DATE FEB 22 2023 APPROVED BY: CHRISTY KENNEDY, TREASURER DEPUTY Witness Signature / / / Witness Printed Name / / / Witness Signature Date (MM/DD/YYYY) [Handwritten signature] / / / Space below this line for Acknowledge STATE OF Oklahoma COUNTY OF Kay On the 21st day of September in the year 2022 before me, the undersigned, a Notary Public in and for said State, personally appeared Christopher M Briggs and Teresa C Briggs, personally known to me (or proved to me on the basis of satisfactory evidence) to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on the instrument, the person or entity upon behalf of which the person or entity acted, executed the instrument. WITNESS my hand and official seal. (Signature) Notary Public: Shane Bereman (Printed Name) My commission expires: 3-23-23 (Notary Public Seal) (Please ensure seal does not overlap any language or print) VIEW ADDITIONAL LAND RECORDS AT OKCOUNTYRECORDS.COM NOT AN OFFICIAL COPY EXHIBIT A Lot 13, Block 5 of Pine Park Addition to the City of Ponca City, Kiowa County, State of Oklahoma, according to the records of that county. Being the same property as conveyed from Carolyn Ann Powell, as unmarried person to Christopher M. Briggs and Teresa C. Briggs, husband and wife, as joint tenants and not as tenents in common, with full right of survivorship as set forth in Deed Instrument #1-2015-004248 dated 05/14/2015, recorded 05/18/2015, Kiowa County, OKEHOMA. VIEW ADDITIONAL LAND RECORDS AT OKCOUNTYRECORDS.COM NOT AN OFFICIAL COPY After Recording Return To: RUTH RUHL, P.C. Recording Department 12700 Park Central Drive Suite 450 Dallas, Texas 75251 PARTIAL CLAIM MORTGAGE THIS SUBORDINATE MORTGAGE ("Security Instrument") is given on October 2nd, 2023. The Mortgagor is CHRISTOPHER M BRIGGS and TERESA C BRIGGS, A HUSBAND AND WIFE, whose address is 1609 BRADBARY LN, PONCA CITY, Oklahoma 74601 ("Borrower"). This Security Instrument is given to the Secretary of Housing and Urban Development, and whose address is 451 Seventh Street, SW, Washington, DC 20401 ("Lender"). Borrower owes Lender the principal sum of two thousand six hundred seventeen and 56/100 Dollars (U.S.$2,617.56). This debt is evidenced by Borrower's note dated the same date as this Security Instrument ("Note"), which provides for the full debt, if not paid earlier, due and payable on May 1st, 2053. This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, and all renewals, extensions and modifications of the Note; (b) the payment of all other sums, advanced under Paragraph 2 to protect the security of this Security Instrument; and (c) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, warrant, grant and convey to the Lender, with power of sale, the following described property located in KAY County, Oklahoma: Loan No.: [REDACTED] SEE EXHIBIT "A" ATTACHED HERETO AND MADE A PART HEREOF. which has the address of 1609 BRADBARY LN, PONCA CITY, Oklahoma 74601. ("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 COVENANTS that Borrower is lawfully seized of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for non-judicial and non-uniform covenants with limited variances by jurisdiction to constitute a uniform security instrument covering real property. Borrower and Lender covenant and agree as follows: UNIFORM COVENANTS. 1. Payment of Principal. Borrower shall pay when due the principal of the debt evidenced by the Note. 2. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time of payment of the sums secured by this Security Instrument granted by Lender to any successor in interest of Borrower shall not operate to release the liability of the original Borrower or Borrower's successor in interest. Lender shall not be required to commence proceedings against any successor in interest or refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or Borrower's successors in interest. Any forbearance by Lender in exercising any right or remedy shall not be a waiver of or preclude the exercise of any right or remedy. 3. Successors and Assigns Bound; Joint and Several Liability; Co-signers. The covenants and agreements of this Security Instrument shall bind and benefit the successors and assigns of Lender and Borrower. Borrower's covenants and agreements shall be joint and several. Any Borrower who co-signs this Security Instrument but does not execute the Note: (a) is co-signing this Security Instrument only to mortgage, grant and convey that Borrower's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower may agree to extend, modify, forbear or make any accommodations with regard to the term of this Security Instrument or the Note without that Borrower's consent. Loan No: 4. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by mailing it by first class mail unless applicable law requires use of another method. The notice shall be directed to the Property Address or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given by first class mail to: Department of Housing and Urban Development, Attention: Single Family Notes Branch, 451 Seventh Street, SW, Washington, DC 20410 or any address Lender designates by notice to Borrower. Any notice provided for in this Security Instrument shall be deemed to have been given to Borrower or Lender when given as provided in this paragraph. 5. Governing Law; Severability. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. In the event that any provision or clause of this Security Instrument or the Note conflicts with applicable law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. To this end the provisions of this Security Instrument and the Note are declared to be severable. 6. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument. NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 7. 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 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 7, including, but not limited to, reasonable attorneys' fees and costs of title evidence. If Lender invokes the power of sale, Lender shall give notice in the manner required by Applicable Law to Borrower and any other persons prescribed by Applicable Law. Lender shall also publish the notice of sale, and the Property shall be sold, as prescribed by Applicable Law. Lender or its designee may purchase the Property at any sale. The proceeds of the sale shall be applied in the manner prescribed by Applicable Law. If the Lender's interest in this Security Instrument is held by the Secretary and the Secretary requires immediate payment in full under Paragraph 4 of the Subordinate Note, the Secretary may invoke the nonjudicial power of sale provided in the Single Family Mortgage Foreclosure Act of 1994 ("Act") (12 U.S.C. § 3751 et seq.) by requesting a foreclosure commissioner designated under the Act to commence foreclosure and to sell the Property as provided in the Act. Nothing in the preceding sentence shall deprive the Secretary of any rights otherwise available to a Lender under this Paragraph or Applicable Law. 8. 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. Loan No.: [Redacted] 9. Waiver of Appraisal: 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. 10. Assumption Fee: If there is an assumption of this loan, Lender may charge an assumption fee of U.S. $N/A. 11. 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 if 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(s) attached by Borrower and recorded with it. Date 10/13/2023 (Seal) CHRISTOPHER M BRIGGS -Borrower Date 10/13/2023 (Seal) TERESA C BRIGGS signing solely to acknowledge this Agreement, but not to incur any personal liability for the debt -Borrower Date ________________________________ (Seal) -Borrower Date ________________________________ (Seal) RENTG TAXS 0.00 Paid 10/16/23 Receipt No 418 -Borrower Rhonda Stephens, Kay Co. Treasurer John S ______ Deputy [Space Below This Line For Acknowledgment] State of Oklahoma County of Kay The foregoing instrument was acknowledged before me this October 13, 2023, [date] by CHRISTOPHER M BRIGGS and TERESA C BRIGGS (name of person acknowledged). DONNA L HESSER Notary Public State of OKLAHOMA COMMISSION NO 22010226 My Commission Expires 07/28/2026 Notary Signature Notary Public, State of Oklahoma My Commission Expires: 07/28/2026 EXHIBIT "A" LOT 19, BLOCK 1, ANLO PARK ADDITION TO THE CITY OF PONCA CITY, KAY COUNTY, STATE OF OKLAHOMA, ACCORDING TO THE RECORDED PLAT THEREOF. Parcel ID Number: 0400000001010000000 NOT AN OFFICIAL COPY VIEW ADDITIONAL LAND RECORDS AT OKCOUNTYRECORDS.COM Recording Requested By: Freedom Mortgage Corporation 951 Yamato Road Boca Raton, FL 33431 After Recording Return To: Freedom Mortgage Corporation C/O: Mortgage Connect, LP Attn: Loan Mod Processing Team 600 Clubhouse Drive Moon Township, PA 15108 APNTax ID: [REDACTED] Recording Number: [REDACTED] This document was prepared by: Freedom Mortgage Corporation, Michele Rice Exempt Documentary Stamp Tax OS Title 68, Article 32, Section 3202, Paragraph12 Space Above This Line For Recording Data FHA Case No. [REDACTED] SUBORDINATE MORTGAGE THIS SUBORDINATE MORTGAGE ("Security Instrument") is given on May 7, 2025. The Mortgagor is CHRISTOPHER M. BRIGGS AND TERESA C. BRIGGS, A HUSBAND AND WIFE Whose address is 1609 BRADBARRY LN PONCA CITY, OK 74601-2514 ("Borrower"). This Security Instrument is given to the the Secretary of Housing and Urban Development, its successors and assigns whose address is 451 Seventh Street, SW, Washington, DC 20410 ("Lender"). Borrower owes Lender the principal sum of eight hundred sixty-eight and 08/100 Dollars (U.S. $868.08). This debt is evidenced by Borrower's note dated the same date as this Security Instrument ("Note"), which provides for the full debt, if not paid earlier, due and payable on June 1, 2065. This SECURITY INSTRUMENT secures to Lender: (a) the repayment of the debt evidenced by the Note, and all renewals, extensions and modifications of the Note; (b) the payment of all other sums, advanced under Paragraph 2 to protect the security of this Security Instrument; and (c) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, warrant, grant and convey to the Lender, with the power of sale the following described property located in Kay County, State of OKLAHOMA which has the address of 1602 BRADBARY LN PONCA CITY, OK 74601-2514, ("Property Address") more particularly described as follows: See Exhibit A for Legal Description 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 COVENANTS that Borrower is lawfully seized of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances or record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. Borrower and Lender covenant agree as follows: UNIFORM COVENANTS. 1. PAYMENT OF PRINCIPAL. Borrower shall pay when due the principal of the debt evidenced by the Note. 2. BORROWER NOT RELEASED; FORBEARANCE BY LENDER NOT A WAIVER. Extension of the time of payment of the sums secured by this Security Instrument granted by Lender to any successor in interest of Borrower shall not operate to release the liability of the original Borrower or Borrower's successor in interest. Lender shall not be required to commence proceedings against any successor in interest or refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or Borrower's successors in interest. Any forbearance by Lender in exercising any right or remedy shall not be a waiver of or preclude the exercise of any right or remedy. 3. SUCCESSORS AND ASSIGNS BOUND; JOINT AND SEVERAL LIABILITY; CO-SIGNERS. The covenants and agreements of this Security Instrument shall bind and benefit the successors and assigns of Lender and Borrower. Borrower's covenants and agreements shall be joint and several. Any Borrower who co-signs this Security Instrument but does not execute the Note: (a) is co-signing this Security Instrument only to mortgage, grant and convey that Borrower's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower may agree to extend, modify, forbear or make any accommodations with regard to the term of this Security Instrument or the Note without that Borrower's consent. 4. NOTICES. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by mailing it by first class mail unless applicable law requires use of another method. The notice shall be directed to the Property Address or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given by first class mail to: Department of Housing and Urban Development, Attention: Single Family Notes Branch, 451 Seventh Street, SW, Washington, DC 10410 or any address Lender designates by notice to Borrower. Any notice provided for in this Security Instrument shall be deemed to have been given to Borrower or Lender when given as provided in this paragraph. 5. GOVERNING LAW; SEVERABILITY. This Security Instrument shall be governed by Federal law and the law of the jurisdiction in which the Property is located. In the event that any provision or clause of this Security Instrument or the Note conflicts with applicable law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. To this end the provisions of this Security Instrument and the Note are declared to be severable. 6. BORROWER'S COPY. Borrower shall be given one conformed copy of the Note and of this Security Instrument. NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 7. ACCELERATION; REMEDIES. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument unless applicable law provides otherwise. The notice shall specify: (a) the default; (b) the action required to cure the default; (c) a date by which the default must be cured; and (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. The notice further shall 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 to the extent permitted by applicable law shall be entitled to collect all expenses incurred in pursuing the remedies provided in this Section 7, including without limitation reasonable attorney's 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 also shall 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 sale shall be applied in the manner prescribed by applicable law. 8. 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 by applicable law. 9. WAIVER OF APPRAISALMENT. Appraisalment of the Property is waived or not waived at Lender’s option, which shall be exercised before or at the time judgement is entered in any foreclosure. 10. ASSUMPTION FEES. If there is an assumption of the Loan, Lender may charge an assumption fee of 1.00% of the outstanding principal balance of the Loan at the time of assumption. 11. NOTICE OR POWER OF SALE. A power of sale has been executed 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. CORRECTION AGREEMENT. The undersigned Borrower(s), for and in consideration of the approval, closing and funding of this agreement, hereby grants Freedom Mortgage Corporation, as lender, limited power of attorney to correct and/or initial all typographical or clerical errors discovered in the Agreement required to be signed. In the event this limited power of attorney is exercised, the undersigned will be notified and receive a copy of the document executed or initialized on their behalf. This provision may not be used to modify the interest rate, modify the term, modify the outstanding principal balance or modify the undersigned’s monthly principal and interest payments as modified by this Agreement. Any of these specified changes must be executed directly by the undersigned. This limited power of attorney shall remain in effect for the life of the loan beginning with the effective date of the undersigned borrower’s agreement, or the date any and all documents that the lender requires to be recorded have been successfully recorded at the appropriate office, whichever is later. Borrower agrees to make and execute such other documents or papers as necessary or required to effectuate the terms and conditions of this Agreement which, if approved and accepted by Lender, shall bind and inure to their heirs, executors, administrators, and assigns of the Borrower. Borrower(s) agree(s) to assume all costs including, by way of illustration and not limitation, actual expenses, legal fees and marketing losses for failing to comply with correction requests in the above noted time period, unless prohibited by applicable law. RETURN EXECUTED AGREEMENT. Borrower must deliver to Freedom Mortgage Corporation a properly signed agreement and all enclosed documents without alteration by 06/08/2025. If Borrower does not return a properly signed agreement and all enclosed documents by this date and make the first monthly payment pursuant to the terms of this agreement, Freedom Mortgage Corporation may deny or cancel this agreement. If the Borrower returns a properly signed agreement by said date, payments pursuant to the agreement are due as outlined in this agreement. Freedom Mortgage Corporation may deny or cancel this agreement if Borrower fails to make the first payment due pursuant to this agreement. All Borrowers are required to sign and date this Agreement in blue or black ink only as the Borrowers’ name appears below. If signed using any other color or method, the document may not be accepted and another copy of the Agreement may be sent to the Borrower to be signed. By signing below, all Borrowers certify they have read this Agreement in its entirety, that all Borrowers know and understand the meaning and intent of this Agreement and that all Borrowers enter into this Agreement knowingly and voluntarily. By signing below, all Borrowers agree to all terms and conditions described on every page of this Agreement. If the Lender's interest in this Security Instrument is held by the Secretary and the Secretary requires immediate payment in full under Paragraph 4 of the Subordinate Note, the Secretary may invoke the nonjudicial power of sale provided in the Single Family Mortgage Foreclosure Act of 1994 ("Act") (12 U.S.C. § 3751 et seq.) by requesting a foreclosure commissioner designated under the Act to commence foreclosure and to sell the Property as provided in the Act. Nothing in the preceding sentence shall deprive the Secretary of any rights otherwise available to a Lender under this paragraph or applicable law. By SIGNING BELOW, Borrower accepts and agrees to the terms contained in this Security Instrument and in any rider(s) executed by Borrower and recorded with it. Sign here to execute Subordinate Security Instrument Christopher M. Briggs (Must be signed exactly as printed) 6/14/2025 Signature Date (MM/DD/YYYY) Sign here to execute Subordinate Security Instrument Teresa C. Briggs (Must be signed exactly as printed) 6/14/2025 Signature Date (MM/DD/YYYY) (Space below this line for Acknowledgement) STATE OF OKLAHOMA COUNTY OF Kay On the 4 day of June in the year 2025 before me, the undersigned, Notary Public (or [ ] if an Online Notary Public), in and for said State, personally appeared by physical presence (or [ ] if by online notarization/use of audio/video communication technology) Christopher M. Briggs and Teresa C. Briggs, personally known to me or proved to me on the basis of satisfactory evidence of identification to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they voluntarily executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on the instrument, the person or entity upon behalf of which the person or entity acted, executed the instrument for its stated purpose. Personally Known ______ OR Type of Identification Produced: Driver's License WITNESS my hand and official seal. (Liam Morgan) Notary Public: Liam Morgan (Printed Name) My commission expires: 2/14/2024 (Notary Public Seal) (Please ensure seal does not overlap any language or print) MORTGAGE TAX EXEMPT REC #1137 DATE JUN 13 2025 KAY COUNTY, OK RHONDA STEPHENS, TREASURER DEPUTY EXHIBIT A The following described real property situated in Kay County, State of Oklahoma: Lot 19, Block 1, Aulo Park Addition to the City of Ponca City, Kay County, State of Oklahoma, according to the recorded plat thereof