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4/6/2015 11:13:57 AM Debra DeBerry

Clerk of Superior Co

DeKalb County, Georgia

DOCUMENTS,

MAIL STOP

Sig Dickason Law Group

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1801 Peachtree St. NE, Suite 155 Atlanta, Georgia 30309

|SO2-ROO24

V1 WBCD LOAN # 504278486 [Space Above This Line For Recording Data]

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i

SECURITY DEED

[MIN 100975320130002760 |

MERS PHONE #: 1-888-679-6377

DEFINITIONS

Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) “Security Instrument” means this document, which is dated MARCH 3, 2015, together with all Riders to this document.

SARAH ZEEMAN.

(B) “Borrower” is

Borrower is the grantor under this Security instrument. (C) “MERS?” is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as

a nominee for Lender and Lender’s successors and assigns. MERS is the grantee under this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS. (D) “Lender” is MORTGAGE ATLANTA LLC.

Lender is a LLC

organized and existing under the laws of

GEORGIA. i

280,

Lender’s address is

ATLANTA,

GA

(E) “Note” means the promissory note signed by Borrower and dated

states that Borrower owes Lender FRA KICK RHI

RE RIT

1770 THE EXCHANGE,

30339.

MARCH 3, 2015.

The Note

*##e#2e4%44%%4%TWO HUNDRED SEVENTY THOUSAND AND NO/100

IIR EERE

ERE EEREREEEE RRR KKEKEKKEER

Dollars (U.S.

$270,000.00

}

plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than APRIL 1,

2030.

(F) “Property” means the property that is described below under the heading “Transfer of Rights in the Property.” (G) “Loan” means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under

the Note, and all sums due under this Security Instrument, plus interest.

Initials:

D) f

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(H) “Riders” means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be

executed by Borrower [check box as applicable]:

(J Adjustable Rate Rider (| Balloon Rider

[]Condominium Rider (-]Planned Unit Development Rider

(11-4 Family Rider

L_] Biweekly Payment Rider

C_lV.A. Rider

[__]Second Home Rider (x ]Other(s) [specify] WAIVER OF

BORROWER'S RIGHTS RIDER

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

(J) “Community Associatlon Dues, Fees, and Assessments” means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization.

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

transfers, and automated clearinghouse transfers. (L) “Escrow Items” means those items that are described in Section 3.

(M) “Miscellaneous Proceeds” means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property. (N) “Mortgage Insurance” means insurance protecting Lender against the nonpayment of, or default on, the Loan. (©) “Periodic Payment” means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts under Section 3 of this Security Instrument.

(P) “RESPA” means the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.) and its implementing regulation, Regulation X (24 C.F.R. Part 1024), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, “RESPA” refers to all requirements and restrictions that are imposed in regard to a “federally related mortgage loan” even if the Loan does not qualify as a "federally related mortgage loan” under RESPA.

(Q) “Successor in Interest of Borrower” means any party that has taken title to the Property, whether or not that party has assumed Borrower's obligations under the Note and/or this Security Instrument. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender: (i) the repayment ofthe Loan, and all renewals, extensions and modifications

of the Note; and (ii) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby grant and convey to MERS (solely as nominee for Lender and Lender’s successors and assigns) and the successors and assigns of MERS, with power of sale, the following described property located in the COUNTY [Type of Recording Jurisdiction] of DEKALB [Name of Recording Jurisdiction] ;

LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF

;

APN #: 18 240 05 026

which currently has the address of

Georgia

30319-2844

2740 GROVE ST NE,

BROOKHAVEN

[Street] [City]

(“Property Address”):

[Zip Code]

TO HAVE AND TO HOLD this property unto MERS (solely as nominee for Lender and Lender's successors and assigns) and to the successors and assigns of MERS, forever, 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. Alt teplacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the “Property.” Borrower understands and agrees that MERS holds only legal title to the interests granted by Borrower in this Security Instrument, but, if necessary to comply with law or custom, MERS (as nominee for Lender and Lender's successors and assigns) has the right: to exercise any or all of those interests, including, but not

limited to, the right to foreclose and sell the Property; and to take any action required of Lender including, but not limited to, releasing and canceling this Security Instrument. .

Initials;

92

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V1 WBCD LOAN # 5042784386

BORROWER COVENANTS that Borrower is awfully seised of the estate hereby conveyed and has the right to grant

and convey the Property and that the Praperty is unencumbered, except for encumbrances of record. Borrower warrants to any encumbrances ofrecord. to the Property against all claims and demands, subject the title and will defend generally THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows:

1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any prepayment charges and late charges due under the Note. Borrower shail also pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and this Security Instrument shall be made in U.S. currency. However, if any check or other instrument received by Lender as payment under the Note or this Security Instrumentis returned to Lender unpaid, Lender may require that

any or all subsequent payments due under the Note and this Security Instrument be made in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality, or entity; or (d) Electronic Funds Transfer.

Payments are deemed received by Lender when received at the location designated in the Note or at such other location as may be designated by Lender in accordance with the notice provisions in Section 15. Lender may return any payment or partial payment if the payment or partial payments are insufficient to bring the Loan current. Lender may accept any payment or partial payment insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial payments in the future, but Lender is not obligated to apply such payments at the time such payments are accepted. If each Periodic Payment is applied as of its schedul