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After Recording Return To: <br />MORTGAGE EXPRESS INC. <br />14542 WEST CENTER ROAD <br />OMAHA, NEBRASKA 68144 <br />200102955 <br />Q <br />C? C/) <br />c <br />Co <br />= <br />D <br />AA <br />-nn <br />rn <br />= <br />y <br />Z <br />O <br />_ <br />O <br />yi <br />C77 <br />O -� <br />N <br />F� <br />y <br />m <br />= <br />rn <br />7�C <br />n w <br />r <br />q <br />C <br />o <br />200102955 <br />[Space Above This Line For Recording Data] <br />DEED OF TRUST <br />Loan Number 0015723361 <br />NOTICE: THIS LOAN IS NOT <br />ASSUMABLE WITHOUT THE <br />APPROVAL OF THE DEPARTMENT OF <br />VETERANS AFFAIRS OR ITS <br />AUTHORIZED AGENT. <br />DEFINITIONS <br />Words used in multiple sections of this document are defined below and other words are defined in Sections 3, <br />11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in <br />Section 16. <br />(A) "Security Instrument" means this document, which is dated MARCH 31, 2001, together with all Riders <br />to this document. <br />(B) 'Borrower" is HOWARD HOES and KATHIE HOES, HUSBAND AND WIFE, AS JOINT <br />TENANTS AND NOT AS TENANTS IN COMMON. Borrower is the trustor under this Security Instrument. <br />(C) "Lender" is MORTGAGE EXPRESS INC.. Lender is a CORPORATION organized and existing under <br />the laws of THE STATE OF NEBRASKA. Lender's address is 14542 WEST CENTER ROAD, OMAHA, <br />NEBRASKA 68144. Lender is the beneficiary under this Security Instrument. <br />(D) "Trustee" is OLD REPUBLIC NATIONAL TITLE INSURANCE COMPANY. <br />(E) "Note" means the promissory note signed by Borrower and dated MARCH 31, 2001. The Note states that <br />Borrower owes Lender FORTY -TWO THOUSAND ONE HUNDRED SEVENTY -SEVEN AND 00 /100ths <br />Dollars (U.S.$42,177.00) plus interest. Borrower has promised to pay this debt in regular Periodic Payments <br />and to pay the debt in full not later than APRIL 1, 2031. <br />(F) "Property" means the property that is described below under the heading "Transfer of Rights in the <br />Property. " <br />(G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due <br />under the Note, and all sums due under this Security Instrument, plus interest. <br />Borrower Initial <br />NEBRASKA - Single Family -Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3 `L8 1 /01 (page 1 of pages) <br />C <br />Q <br />C? C/) <br />c <br />Co <br />CD <br />AA <br />rn <br />� <br />-� O <br />O <br />y <br />O <br />yi <br />C77 <br />O -� <br />zt <br />F� <br />y <br />m <br />Z7 <br />rn <br />rn <br />n w <br />r <br />q <br />C <br />o <br />Cn <br />r Z' <br />N <br />CD <br />N <br />cn <br />7C <br />co <br />N <br />C-n <br />Cn <br />cz <br />Cn <br />to <br />[Space Above This Line For Recording Data] <br />DEED OF TRUST <br />Loan Number 0015723361 <br />NOTICE: THIS LOAN IS NOT <br />ASSUMABLE WITHOUT THE <br />APPROVAL OF THE DEPARTMENT OF <br />VETERANS AFFAIRS OR ITS <br />AUTHORIZED AGENT. <br />DEFINITIONS <br />Words used in multiple sections of this document are defined below and other words are defined in Sections 3, <br />11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in <br />Section 16. <br />(A) "Security Instrument" means this document, which is dated MARCH 31, 2001, together with all Riders <br />to this document. <br />(B) 'Borrower" is HOWARD HOES and KATHIE HOES, HUSBAND AND WIFE, AS JOINT <br />TENANTS AND NOT AS TENANTS IN COMMON. Borrower is the trustor under this Security Instrument. <br />(C) "Lender" is MORTGAGE EXPRESS INC.. Lender is a CORPORATION organized and existing under <br />the laws of THE STATE OF NEBRASKA. Lender's address is 14542 WEST CENTER ROAD, OMAHA, <br />NEBRASKA 68144. Lender is the beneficiary under this Security Instrument. <br />(D) "Trustee" is OLD REPUBLIC NATIONAL TITLE INSURANCE COMPANY. <br />(E) "Note" means the promissory note signed by Borrower and dated MARCH 31, 2001. The Note states that <br />Borrower owes Lender FORTY -TWO THOUSAND ONE HUNDRED SEVENTY -SEVEN AND 00 /100ths <br />Dollars (U.S.$42,177.00) plus interest. Borrower has promised to pay this debt in regular Periodic Payments <br />and to pay the debt in full not later than APRIL 1, 2031. <br />(F) "Property" means the property that is described below under the heading "Transfer of Rights in the <br />Property. " <br />(G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due <br />under the Note, and all sums due under this Security Instrument, plus interest. <br />Borrower Initial <br />NEBRASKA - Single Family -Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3 `L8 1 /01 (page 1 of pages) <br />C <br />