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n <br />S <br />M <br />n <br />ac <br />After Recording Return To: <br />�o <br />M <br />-n <br />C <br />FLAGSTAR BANK, FSB <br />5151 CORPORATE DRIVE, MAIL STOP W -530 -3 <br />TROY, MI 48098 <br />DEFINITIONS <br />a � <br />S <br />rn t <br />cn (� <br />[Space Above This Line For Recording Data] <br />DEED OF TRUST <br />C:3 <br />n Cn <br />n1 <br />►—� <br />o <br />o <br />�. <br />co <br />Cn <br />O <br />O <br />y, w <br />CD <br />3 <br />r � <br />to <br />r a <br />s <br />co <br />O <br />Loan Number 998309488 <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 MAY 3, 2001, together with all Riders to <br />this document. <br />(B) 'Borrower" is MICHAEL R. SCHACHTA, AN UNMARRIED MAN. Borrower is the trustor under <br />this Security Instrument. <br />(C) "Lender" is MORTGAGE EXPRESS. Lender is a CORPORATION organized and existing under the <br />laws of THE STATE OF NEBRASKA. Lender's address is 2925 W. STOLLEY PARK RD., GRAND <br />ISLAND, NEBRASKA 68801. Lender is the beneficiary under this Security Instrument. <br />(D) "Trustee" is FIDELITY NATIONAL TITLE INSURANCE COMPANY. <br />(E) "Note" means the promissory note signed by Borrower and dated MAY 3, 2001. The Note states that <br />Borrower owes Lender SEVENTY -SEVEN THOUSAND ONE HUNDRED AND 00 /100ths Dollars <br />(U.S.$77,100.00) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to <br />pay the debt in full not later than MAY 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 Initials ,_ S <br />NEBRASKA- Single Family- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3028 1 /01 (page 1 of 13 pages) <br />