CFN: 20180753019 BOOK 31254 PAGE 3725 10:09:48 AM MTG DOC 46.90 INTANGIBLE 26.65 HARVEY RUVIN, CLERK OF COURT, MIA-DADE CTY This Document Prepared By: MONICA VELA CARRINGTON MORTGAGE SERVICES, LLC CARRINGTON DOCUMENT SERVICES ANAHEIM, CA 92806 1-866-874-5860 When Recorded Mail To: CARRINGTON MORTGAGE SERVICES, LLC CARRINGTON DOCUMENT SERVICES 1600 SOUTH DOUGLASS ROAD, SUITE 200A ANAHEIM, CA 92806 Tax/Parcel 10-7915-010-1330 Space Above This Line for Recording Data] Original Principal Amount: $228,375.00 Prev. Rec. Mod. Loan Amt: $230,135.28 Unpaid Principal Amount: $205,055.06 Case No: New Principal Amount: $218,378.43 FR0950747770796 New Money (Cap): $13,323.27 Loan No: 7000217772 LOAN MODIFICATION AGREEMENT (MORTGAGE) This Loan Modi?cation Agreement ("Agreement"), made this 14TH day of NOVEMBER, 2018, between PATRICIA DYSHAWN FAIRCLOUGH A SINGLE WOMAN ("Borrower"), whose address is 424 SE 37 PLACE, HOMESTEAD, FLORIDA 33033 and CARRINGTON MORTGAGE SERVICES, LLC AS SERVICER AND AUTHORIZED AGENT OF BANK OF AMERICA, N.A. ("Lender"), whose address is 1600 SOUTH DOUGLASS ROAD, SUITE 200A, ANAHEIM, CA 92806 amends and supplements (1) the Mortgage, Deed of Trust or Security Deed (the "Security Instrument"), dated JUNE 23, 2008 and recorded on JUNE 25, 2008 in INSTRUMENT NO. 2008R0524174 BOOK 26450 PAGE 1418, MIAMI-BABE COUNTY, FLORIDA, and (2) the Note, in the original principal amount of U.S. $228,375.00, bearing the same date as, and secured by, the Security Instrument, which covers the real and personal property described in the Security Instrument and de?ned therein as the "Property," located at 424 SE 37 PLACE, HOMESTEAD, FLORIDA 33033 Carrington Custom Loan Modi?cation Agreement 03072013_307 7000217771 Page 1 CFN: 20180753019 BOOK 31254 PAGE 3726 the real property described is located in MIAMI-DADE COUNTY, FLORIDA and being set forth as follows: SEE EXHIBIT ATTACHED HERETO AND MADE A PART HEREOF: SEE ATTACHED EXHIBIT FOR MORTGAGE SCHEDULE In consideration of the mutual promises and agreements exchanged, the parties hereto agree as follows (notwithstanding anything to the contrary contained in the Note or Security Instrument): 1. As of, NOVEMBER 1, 2018 the amount payable under the Note and the Security Instrument (the ?Unpaid Principal Balance?) is U.S. $218,378.43, consisting of the amount(s) loaned to Borrower by Lender, plus capitalized interest in the amount of U.S. $13,323.27 and other amounts capitalized, which is limited to escrows and any legal fees and related foreclosure costs that may have been accrued for work completed. 2. Borrower promises to pay the Unpaid Principal Balance, plus interest, to the order of Lender. Interest will be charged on the Unpaid Principal Balance at the yearly rate of 4.7500%, from NOVEMBER 1, 2018. The yearly rate of 4.7500% will remain in effect until principal and interest are paid in full. Borrower promises to make the total modi?ed mortgage payment of U.S. $1,965.12, beginning on the IST day of DECEMBER, 2018, and continuing thereafter on the same day of each succeeding month until principal and interest are paid in full. Borrower?s payment consists of payments for principal and interest of U.S. $1,139.17, plus payments for property taxes, hazard insurance, and any other permissible escrow items of US $825.95. Borrower understands that the modi?ed mortgage payment is subject to change if there is an increase or decrease in property taxes, insurance, or any other permissible escrow items. If on NOVEMBER 1, 2048 (the ?Maturity Date?), Borrower still owes amounts under the Note and the Security Instrument, as amended by this Agreement, Borrower will pay these amounts in full on the Maturity Date. 3. If all or any part of the PrOperty or any interest in it is sold or transferred (or if a bene?cial interest in the Borrower is sold or transferred and the Borrower is not a natural person) without the Lender?s prior written consent, the Lender may require immediate payment in full of all sums secured by this Security Instrument. If the Lender exercises this option, the Lender shall give the Borrower notice of acceleration. The notice shall provide a period of not less than 30 days ?'om the date the notice is delivered or mailed within which the Borrower must pay all sums secured by this Security Instrument. If the Borrower fails to pay these sums prior to the expiration of this period, the Lender may invoke any remedies permitted by this Security Instrument without ?irther notice or demand on the Borrower. 4. The Borrower also will comply with all other covenants, agreements, and requirements of the Security Instrument, including without limitation, the Borrower's covenants and agreements to make all payments of taxes, insurance premiums, assessments, escrow items, impounds, and all other payments that the Borrower is obligated to make under the Security Instrument; however, the following terms and provisions are forever cancelled, null and void, as of the date speci?ed in Paragraph No. 1 above: all terms and provisions of the Note and Security Instrument (if any) providing for, implementing, or relating to, any change or adjustment in the rate of interest payable under the Note; and all terms and provisions of any adjustable rate rider, or other instrument or document that is af?xed to, wholly or partially incorporated into, or is part of, the Note or Security Instrument and that Carrington Custom Loan Modi?cation Agreement 08072018_307 Page 2 CFN: 20180753019 BOOK 31254 PAGE 3727 contains any such terms and provisions as those referred to in above. 5. If the Borrower is currently subject to the protections of any automatic stay in bankruptcy, or have obtained a discharge in bankruptcy proceeding without reaffirming the mortgage loan debt, nothing in this Agreement or any other document executed in connection with this Agreement shall be construed as an attempt by Lender to impose personal liability under the Note and Deed of Trusthortgage and Promissory Note/Subordinate Mortgage. In such case, this Agreement is entered into in the ordinary course of business between the Lender and the Borrower in lieu of pursuit of in rem relief to enforce the lien. This Agreement does not revive the Borrower?s personal liability under the Note and Deed of TrustJMortgage and Promissory NotefSubordinate Mortgage, nor is it an attempt to collect, recover or offset any such debt as a personal liability of Borrower under the Note and Deed of Trust/Mortgage and Subordinate NotelNlortgage. 6. Nothing in this Agreement shall be understood or construed to be a satisfaction or release in whole or in part of the Note and Security Instrument. Except as otherwise speci?cally provided in this Agreement, the Note and Security Instrument will remain unchanged, and Borrower and Lender will be bound by, and comply with, all of the terms and provisions thereof, as amended by this Agreement. 7. Borrower agrees to make and execute other documents or papers as may be necessary to effectuate the terms and conditions of this Agreement which, if approved and accepted by Lender, shall bind and inure to the heirs, executors, administrators, and assigns of the Borrower. 8. Borrower agrees that any costs, fees andlor expenses incurred in connection with servicing the loan that may be legally charged to the account, but have not been charged to the account as of the Modi?cation Effective Date, may be charged to the account at a later date and shall be the Borrower?s responsibility to pay in full. For example, if the loan is in foreclosure there may be foreclosure fees and costs that have been incurred but not yet assessed to the account as of the date the Modi?cation E??ective Date; Borrower will remain liable for any such costs, fees and/or expenses. 9. This Mortgage Modi?cation is given in connection with the modi?cation of an obligation secured by an existing mortgage, recorded in Of?cial Records INSTRUMENT NO. 2008R0524l74 BOOK 26450 PAGE l4l8, Public Records of MIAMI-DADE COUNTY, Florida from the Mortgagor hereunder to the Mortgagce hereunder, or to the assignor of the Mortgagee hereunder. Pursuant to Section Florida Statutes, additional nonrecurring intangible tax is due on the amount of the obligation that exceeds the original mortgage principal balance. The original mortgage principal balance was $228,375.00. The principal balance of the new obligation secured by this Mortgage Modi?cation is US. $218,378.43, which amount represents, as of the modi?cation, the excess of the unpaid principal balance of the original obligation, plus accrued but unpaid interest. Carrington Custom Loan Modi?cation Agreement 080720 I 8&30'7l 70002 I 7772 Page 3 CFN: 20180753019 BOOK 31254 PAGE 3728 [n Witness W5ereof, have executed thi Agreement. I v! \?cmmMaummt? 24 /8 Borrower: PATRICIA Date [Space elowThis Line for cknowledgments] BORROWER ACKNOWLEDGMENT STATE OF FLORIDA - COUNTY OF The foregoing instrument was acknowledged before me this 20 igby PATRICIA DYS AW rI II who is personally known to me or who has produced .. DI- id '?cation. 311m?; ?61 Notaly Public State of Florida It. . DeLuca . ?5 My Commission (36 257077 005 Notary blic - . 1y 3, Expires 0911012022 Print Name: i My commission xpires: eel ?0 102/?? - Commission . Carrington Custom Loan Modi?cation Agreement 080720!8_307 000217772 Page 4 CFN: 20180753019 BOOK 31254 PAGE 3729 In Witness Wh - Lender has executed this Agreement. CARRIN 6 ON M0 TGAGE SERVICES, LLC AS SERVICER AND AUTHORIZED AGENT OF BANK I AMERIC N.A. By (print name) Date Jill A. ller Dir oss Mitigation (title Ca gton Me 3 Services. LLC as attorney in act [Space Below This Line for Acknowledgments] LEDGMENT A not lie or other officer completing this certi?cate veri?es only the identity of the individual who signed the document to which this certi?cate is attached, and not the truthfulness, accuracy, or validity of that document. State of 0 pr County of OMQM j) . On 2:4? before me Illana Allende Notary Public, personally appeared the Director who proved to me on the basis of satisfactory evidence to the person( whose named) 5 re subscribed to the within in rument and acknow dged to me that he/ they execute the same in his/ TQ their authorized capacity(i&, an that by hisi?itheir signature?) on the instrument the person?qk or the entity upon behalf of which the rson acted, executed the instrument. I certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct. WITNESS my hand and of?cial seal. Signature Signature of Notary Public JLIANA ALLENDE Notary Public - California Orange County Commission 223071? My Comm. Expiros?=eb 9. 2022 .- Car-rington Custom Loan Modi?cation Agreement 08072018_307 Page 5 CFN: 20180753019 BOOK 31254 PAGE 3730 EXHIBIT A PATRICIA DYSHAWN FAIRCLOUGH A SINGLE WOMAN LOAN NUMBER: 7000217772 LEGAL DESCRIPTION: The land referred to in this document is situated in the STATE OF FLORIDA, COUNTY OF MIAMI- DADE, CITY OF HOMESTEAD, and described as follows: LOT 1 IN BLOCK 20 0F BAYWINDS 0F GALAPAGOS, ACCORDING TO THE PLAT THEREOF, As RECORDED IN PLAT BOOK 166 AT PAGE 80, OF THE PUBLIC RECORDS OF MIAMI-BABE COUNTY, FLORIDA. SUBJECT To: ALL PROVISIONS OF THE FOLLOWING DOCUMENTS WHICH MAY INCLUDE, WITHOUT LIMITATION, RESTRICTIONS, COVENANTS, CONDITIONS, EASEMENTS, RIGHTS, OBLIGATIONS TO PAY ASSESSMENTS AND ARCHITECTURAL RESTRICTIONS: (I) DECLARATION FOR THE VINEYARDS GOVERNING THE COMMUNITY AT LARGE IN WHICH THE PROPERTY IS LOCATED RECORDED IN OFFICIAL RECORDS BOOK 25812 AT PAGE 4770 (THE (II) CLUB VINEYARDS CLUB PLAN FOR THE COMM UNITY IN WHICH THE PROPERTY IS LOCATED RECORDED IN OFFICIAL RECORDS BOOK 25812 AT PAGE 4715 (THE AND DECLARATION FOR CHATEAU AT THE VINEYARDS GOVERNING ANY SUBDIVISION OF WHICH THE PROPERTY IS A PART RECORDED IN OFFICIAL RECORDS BOOK 25939 AT PAGE 4793 (THE ALL As AMENDED AND MODIFIED FROM TIME To TIME, WHICH ARE RECORDED IN THE PUBLIC RECORDS OF MIAMIDADE COUNTY, FLORIDA AND ARE INCORPORATED BY REFERENCE IN THEIR ENTIRETY INTO THIS DEED. Tax/Parcel N0. 10-7915-010-1330 ALSO KNOWN AS: 424 SE 37 PLACE, HOMESTEAD, FLORIDA 33033 Carrington Custom Loan Modi?cation Agreement 08072018_307 [Emm??m 00217772 Page 6 CFN: 20180753019 BOOK 31254 PAGE 3731 EXHIBIT MORTGAGE SCHEDULE Mortgage made by PATRICIA FAIRCLOUGH, AN UNMARRIED WOMAN to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC UNIVERSAL AMERICAN MORTGAGE COMPANY, LLC for $228,375.00 and interest, dated JUNE 23, 2008 and recorded on JUNE 25, 2008 in INSTRUMENT NO. 2008R0524174 BOOK 26450 PAGE 1418. Mortgage was made by PATRICIA FAIRCLOUGH to BANK OF AMERICA N.A. for $230,135.28 and interest, dated JANUARY 30, 2014 and recorded FEBRUARY 11, 2014 in INSTRUMENT NO. 20140106404 BOOK 29026 PAGE 3619. Mortgage tax paid: $6.30. Carrington Custom Loan Modi?cation Agreement oso72013_307 Page 7