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State of NEBRASKA
<br />Prepared By: Cherry Creek Mortgage Co., Inc.
<br />7600 East Orchard Road, Suite 250 -N
<br />Greenwood Village, CO 80111
<br />Record and Return to: 1st Reverse Mortgage, USA
<br />3609 S. Wadsworth Blvd Suite 500
<br />Lakewood, CO 80235
<br />Attn: Final Docs
<br />FHA Case No. 321- 3331372 -961
<br />Loan No. 907907459
<br />MIN: 1000302-0907907459-6
<br />(Space Above This Line For Recording Dataj
<br />s , PURCHASE MONEY
<br />y FIXED RATE
<br />..� HOME EQUITY CONVERSION DEED OF TRUST
<br />THIS INSTRUMENT IS A DEED OF TRUST WHICH SECURES FUTURE ADVANCES
<br />THIS DEED OF TRUST ( "Security Instrument ") is made on September 12, 2014. The trustor is Terry
<br />H. Regan and Marlene M. Regan, husband and wife , whose address is 309 Cherokee Avenue S,
<br />Grand Island, Nebraska 68803 ( "Borrower "). The trustee is First American, , Concord, FL
<br />( "Trustee "). The beneficiary is Mortgage Electronic Registration Systems Inc. ( "MERS "), which is
<br />organized and existing under the laws of Delaware, and whose address is Delaware. Cherry Creek
<br />Mortgage Co., Inc. is organized and existing under the laws of Colorado, and has an address of
<br />7600 East Orchard Road, Suite 250 -N, Greenwood Village, CO 80111 ( "Lender "). Borrower has
<br />agreed to repay to Lender amounts which Lender is obligated to advance. including future advances,
<br />under the terms of a Home Equity Conversion Loan Agreement dated the same date as this Security
<br />Instrument ( "Loan Agreement "). The agreement to repay is evidenced by Borrower's Fixed -Rate Note
<br />dated the same date as this Security Instrument( "Note "). The beneficiary of this Security Instrument
<br />is MERS (solely as nominee for Lender and Lender's successors and assigns) and the successors
<br />and assigns of MERS. This Security Instrument secures to Lender: (a) the repayment of the debt
<br />evidenced by the Note, with interest at a fixed rate (interest), and all renewals, extensions and
<br />modifications of the Note, up to a maximum principal amount of Two Hundred Eighteen Thousand,
<br />Five Hundred Fifty Dollars and Zero Cents (U.S. $218,550.00); (b) the payment of all other sums,
<br />with interest, advanced under paragraph 5 to protect the security of this Security Instrument or otherwise
<br />due under the terms of this Security Instrument; and (c) the performance of Borrower's covenants and
<br />agreements under this Security Instrument and the Note. The full debt, including amounts described in
<br />(a), (b). and (c) above, if not due earlier, is due and payable on April 6, 2102. For this purpose,
<br />Borrower irrevocably grants and conveys to Trustee, in trust, with power of sale, the following
<br />described property located in HALL County, NEBRASKA:
<br />See legal description as Exhibit A attached hereto and made a part hereof for all intents and
<br />purposes
<br />which has the address of
<br />309 Cherokee Avenue S, Grand Island, Nebraska 68803, ( "Property Address ")
<br />TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements,
<br />rights, appurtenances, and fixtures now or hereafter a part of the property. All replacements and
<br />additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this
<br />Security Instrument as the "Property." Borrower understands and agrees that MERS holds only legal title
<br />to the interests granted by Borrower in this Security Instrument, but, if necessary to comply with law or
<br />Page 1 of 9 HELM First Deed Of Trust
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