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<br />THIS INSTRUMENT PREPARED BY:
<br />Midlands Land Title & Abstract, Inc.
<br />11140 Q Street
<br />—{ Omaha, Nebraska 68137
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<br />RECORD AND RETURN TO:
<br />Q Mortgage Express Inc.
<br />14542 West Center Road
<br />Omaha, NE 68144 . 20010778G
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<br />[Space above this line for recording data]
<br />DEED OF TRUST
<br />NOTICE: THIS LOAN IS NOT ASSUMABLE WITHOUT THE
<br />APPROVAL OF THE DEPARTMENT OF VETERANS AFFAIRS
<br />OR ITS AUTHORIZED AGENT.
<br />DEFINITIONS
<br />Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18,
<br />20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16.
<br />(A) "Security Instrument" means this document, which is dated July 13, 2001, together with all riders to this document.
<br />(B) "Borrower" is THOMAS B JOYNER JR, CHASTITY L JOYNER, HUSBAND AND WIFE, JTWROS.. Borrower is
<br />the trustor under this Security Instrument.
<br />(C) "Lender" is Mortgage Express Inc.. Lender is a corporation which is organized and existing under the laws of the state
<br />of . Lender's address is 14542 West Center Road, Omaha, NE 68144. Lender is the beneficiary under this Security
<br />Instrument.
<br />(D) "Trustee" is MICHAEL I {NETT.
<br />(E) "Note" means the promissory note signed by Borrower and dated July 13, 2001. The Note states that Borrower owes
<br />Lender Seventy Seven Thousand Four Hundred Eighteen & NO /100 Dollars ($77,418.00) plus interest. Borrower has
<br />promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than August 1, 2031.
<br />(F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property."
<br />(G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the
<br />Note, and all sums due under this Security Instrument, plus interest.
<br />(H) "Riders" means all riders to this Security Instrument that are executed by Borrower. The following riders are to be
<br />executed by Borrower [check box as applicable]: va
<br />❑ Adjustable Rate Rider ❑ Condominium Rider ❑ 1 -4 Family Rider
<br />❑ Graduated Payment Rider ❑ Planned Unit Development Rider ❑ Biweekly Payment Rider
<br />❑ Balloon Rider ❑ Rate Improvement Rider ❑ Second Home Rider
<br />X❑ Other(s) [specify] VA GUARANTEED LOAN AND ASSUMPTION POLICY RIDER
<br />(I) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and
<br />administrative rules and orders (that have the effect of law) as well as all applicable final non - appealable judicial opinions.
<br />(J) "Community Association Dues, Fees and Assessments" means all dues, fees, assessments and other charges that are
<br />NEBRASKA -- Single Family -- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT
<br />Page 1 Form Sottware by Automated Real Estate Services, Inc. 1 -800- 330 -1295
<br />WHEN RECORDED
<br />RETURN TO
<br />MIDLANDS LAND TITLE & ABSTRACT, INC
<br />11140 Q St
<br />OMAHA NE 68137
<br />Form 3028 3/99
<br />JOYNER / 01030378
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<br />NOTICE: THIS LOAN IS NOT ASSUMABLE WITHOUT THE
<br />APPROVAL OF THE DEPARTMENT OF VETERANS AFFAIRS
<br />OR ITS AUTHORIZED AGENT.
<br />DEFINITIONS
<br />Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18,
<br />20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16.
<br />(A) "Security Instrument" means this document, which is dated July 13, 2001, together with all riders to this document.
<br />(B) "Borrower" is THOMAS B JOYNER JR, CHASTITY L JOYNER, HUSBAND AND WIFE, JTWROS.. Borrower is
<br />the trustor under this Security Instrument.
<br />(C) "Lender" is Mortgage Express Inc.. Lender is a corporation which is organized and existing under the laws of the state
<br />of . Lender's address is 14542 West Center Road, Omaha, NE 68144. Lender is the beneficiary under this Security
<br />Instrument.
<br />(D) "Trustee" is MICHAEL I {NETT.
<br />(E) "Note" means the promissory note signed by Borrower and dated July 13, 2001. The Note states that Borrower owes
<br />Lender Seventy Seven Thousand Four Hundred Eighteen & NO /100 Dollars ($77,418.00) plus interest. Borrower has
<br />promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than August 1, 2031.
<br />(F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property."
<br />(G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the
<br />Note, and all sums due under this Security Instrument, plus interest.
<br />(H) "Riders" means all riders to this Security Instrument that are executed by Borrower. The following riders are to be
<br />executed by Borrower [check box as applicable]: va
<br />❑ Adjustable Rate Rider ❑ Condominium Rider ❑ 1 -4 Family Rider
<br />❑ Graduated Payment Rider ❑ Planned Unit Development Rider ❑ Biweekly Payment Rider
<br />❑ Balloon Rider ❑ Rate Improvement Rider ❑ Second Home Rider
<br />X❑ Other(s) [specify] VA GUARANTEED LOAN AND ASSUMPTION POLICY RIDER
<br />(I) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and
<br />administrative rules and orders (that have the effect of law) as well as all applicable final non - appealable judicial opinions.
<br />(J) "Community Association Dues, Fees and Assessments" means all dues, fees, assessments and other charges that are
<br />NEBRASKA -- Single Family -- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT
<br />Page 1 Form Sottware by Automated Real Estate Services, Inc. 1 -800- 330 -1295
<br />WHEN RECORDED
<br />RETURN TO
<br />MIDLANDS LAND TITLE & ABSTRACT, INC
<br />11140 Q St
<br />OMAHA NE 68137
<br />Form 3028 3/99
<br />JOYNER / 01030378
<br />
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