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<br />WHEN RECORDED, MAIL TO:
<br />MorNorth Mortgage Corp.
<br />224 5th Street South
<br />Brainerd, MINNESOTA 56401
<br />This Instrument was prepared by:
<br />MorNorth Mortgage Corp.
<br />224 5th Street South
<br />Brainerd, MINNESOTA 56401
<br />218 - 824 -5400
<br />Loan Number: 4000119126
<br />Order Number: (Space Above This Line For Recording Data)
<br />DEED OF TRUST
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<br />Loan Number: 4000119126
<br />Order Number: (Space Above This Line For Recording Data)
<br />DEED OF TRUST
<br />MIN:123182800000083413
<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, 20 and 21.
<br />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 2, 2004, together with all Riders to this document.
<br />(B) "Borrower" is Daniel Heminger, , an unmarried man . Borrower is the trustor under this Security Instrument.
<br />(C) "Lender" is MorNorth Mortgage Corp.. Lender is , A Minnesota Corporation, organized and existing under the laws of
<br />Minnesota.
<br />Lender's address is 224 5th Street South, Brainerd, MINNESOTA 56401.
<br />(D) "Trustee" is . FIRST AMERICAN TITLE INSURANCE COMPANY
<br />(E) "MFRS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a nominee for
<br />Lender and Lender's successors and assigns. MERS is the mortgagee under this Security Instrument. MERS is organized and existing
<br />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.
<br />(F) "Note" means the promissory note signed by Borrower and dated July 2, 2004. The Note states that Borrower owes Lender ONE
<br />HUNDRED FIVE THOUSAND and no /100 Dollars (U.S. $105,000.00) plus interest. Borrower has promised to pay this debt in regular
<br />Periodic Payments and to pay the debt in full not later than July 1, 2034.
<br />(G) "Property" means the property that is described below under the heading "Transfer of Rights in the Property."
<br />(H) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums
<br />due under this Security Instrument, plus interest.
<br />is Security Instrument that are executed by Borrower. The following Riders are to be executed by
<br />❑ Condominium Rider ❑ Second Home Rider
<br />❑ Planned Unit Development Rider ❑ VA Rider
<br />❑ Biweekly Payment Rider
<br />(.n "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and
<br />orders (that have the effect of law) as well as all applicable final, non - appealable judicial opinions.
<br />(K) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on
<br />Borrower or the Property by a condominium association, homeowners association or similar organization.
<br />(L) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper
<br />instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or
<br />authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point -of -sale transfers, automated
<br />teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers.
<br />(M) "Escrow Items" means those items that are described in Section 3.
<br />(N) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than
<br />insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or
<br />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
<br />value and /or condition of the Property.
<br />(I) "Riders" means all Riders to th
<br />Borrower (check box as applicable):
<br />❑ Adjustable Rate Rider
<br />❑ Balloon Rider
<br />❑ 1 -4 Family Rider
<br />❑ Other (Specify) -
<br />(0) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan.
<br />(P) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts
<br />under Section 3 of this Security Instrument.
<br />(Q) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. § 2601 et seq.) and its implementing regulation, Regulation X
<br />(24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the
<br />NEBRASKA - Single Family- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT with MERS Form 3� 1/01
<br />Page 1 of 7
<br />IDS, Inc. - (800) 554 -1872 Borrower(s) Initials
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<br />MIN:123182800000083413
<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, 20 and 21.
<br />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 2, 2004, together with all Riders to this document.
<br />(B) "Borrower" is Daniel Heminger, , an unmarried man . Borrower is the trustor under this Security Instrument.
<br />(C) "Lender" is MorNorth Mortgage Corp.. Lender is , A Minnesota Corporation, organized and existing under the laws of
<br />Minnesota.
<br />Lender's address is 224 5th Street South, Brainerd, MINNESOTA 56401.
<br />(D) "Trustee" is . FIRST AMERICAN TITLE INSURANCE COMPANY
<br />(E) "MFRS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a nominee for
<br />Lender and Lender's successors and assigns. MERS is the mortgagee under this Security Instrument. MERS is organized and existing
<br />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.
<br />(F) "Note" means the promissory note signed by Borrower and dated July 2, 2004. The Note states that Borrower owes Lender ONE
<br />HUNDRED FIVE THOUSAND and no /100 Dollars (U.S. $105,000.00) plus interest. Borrower has promised to pay this debt in regular
<br />Periodic Payments and to pay the debt in full not later than July 1, 2034.
<br />(G) "Property" means the property that is described below under the heading "Transfer of Rights in the Property."
<br />(H) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums
<br />due under this Security Instrument, plus interest.
<br />is Security Instrument that are executed by Borrower. The following Riders are to be executed by
<br />❑ Condominium Rider ❑ Second Home Rider
<br />❑ Planned Unit Development Rider ❑ VA Rider
<br />❑ Biweekly Payment Rider
<br />(.n "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and
<br />orders (that have the effect of law) as well as all applicable final, non - appealable judicial opinions.
<br />(K) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on
<br />Borrower or the Property by a condominium association, homeowners association or similar organization.
<br />(L) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper
<br />instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or
<br />authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point -of -sale transfers, automated
<br />teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers.
<br />(M) "Escrow Items" means those items that are described in Section 3.
<br />(N) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than
<br />insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or
<br />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
<br />value and /or condition of the Property.
<br />(I) "Riders" means all Riders to th
<br />Borrower (check box as applicable):
<br />❑ Adjustable Rate Rider
<br />❑ Balloon Rider
<br />❑ 1 -4 Family Rider
<br />❑ Other (Specify) -
<br />(0) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan.
<br />(P) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts
<br />under Section 3 of this Security Instrument.
<br />(Q) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. § 2601 et seq.) and its implementing regulation, Regulation X
<br />(24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the
<br />NEBRASKA - Single Family- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT with MERS Form 3� 1/01
<br />Page 1 of 7
<br />IDS, Inc. - (800) 554 -1872 Borrower(s) Initials
<br />
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