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,_.__ O 9 rn N r m M M M M Riders to this document. (B) "Borrower" is RAMON V VELAZQUEZ, A SINGLE PERSON and MARIA E FERRO, A SINGLE PERSON Borrower is the "star under this Security Instrument. (C) "Lender" is FIRST FRANKLIN FINANCIAL CORPORATION Lender is a Corporation organized and existing under the laws of Delaware . Lend"'. address is 2150 NORTH FIRST STREET, SAN JOSE, California 95131 . Lender is the beneficiary under this Security Instrument. (D) " Trustee" is /sdl(//yWddtMtLM5WYlYIf5I1 Gary D. Byrne, a member of Nebraska Bar Association. (E) "Noce" means the promissory note signed by Borrower and dated November 05, 2004 . The Note states that Borrower owes Lender One Hundred Nineteen Thousand Nine Hundred and no /100 Dollars (U.S. $ 119,900.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than December 01, 2034 (F) "Property" means the property that is described below under the heading 'Transfer of Rights in the ProperTyT (G) "Load' means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all rums due under this Security Instrument, plus interest. (H) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: ® Adjustable Rate Rider ❑ Balloon Rider ❑ 1 A Family Rider ❑ Condominium Rider ❑ Planned Unit Development Rider ❑ Biweekly Payment Rider NFDR "Single Fvray —FaaWe Mae coddle MacUW0RM11HJTIttrA1We. Irsu lelsu tmn) MFNE3111 (PaSelofl / page) ❑ Second Home Rider © Other(s) [specify] Prepay Rider F.. .3029 LOl 4000208342 aH"nIIND To Order esl'. AB10.ss0.09J 0Z al. Is,, in -ft ro n rn q 7 After Recording Return To: = t7 �� c? 0 ` C rn FIRST FRANKLIN FINANCIAL CORP. ATTENTION: RECORDS MANAGEMENT 2150 NORTH FIRST STREET o s .p SAN JOSE, CA 95131 o 3 q cD N v S to 200410943 0 [Spam Above Tbls Iloe For Recording Mt-I DEED OF TRUST DEFINITIONS 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. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) '{Security Instrument^ means this document, which is dated November 05, 2004 , together with all Riders to this document. (B) "Borrower" is RAMON V VELAZQUEZ, A SINGLE PERSON and MARIA E FERRO, A SINGLE PERSON Borrower is the "star under this Security Instrument. (C) "Lender" is FIRST FRANKLIN FINANCIAL CORPORATION Lender is a Corporation organized and existing under the laws of Delaware . Lend"'. address is 2150 NORTH FIRST STREET, SAN JOSE, California 95131 . Lender is the beneficiary under this Security Instrument. (D) " Trustee" is /sdl(//yWddtMtLM5WYlYIf5I1 Gary D. Byrne, a member of Nebraska Bar Association. (E) "Noce" means the promissory note signed by Borrower and dated November 05, 2004 . The Note states that Borrower owes Lender One Hundred Nineteen Thousand Nine Hundred and no /100 Dollars (U.S. $ 119,900.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than December 01, 2034 (F) "Property" means the property that is described below under the heading 'Transfer of Rights in the ProperTyT (G) "Load' means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all rums due under this Security Instrument, plus interest. (H) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: ® Adjustable Rate Rider ❑ Balloon Rider ❑ 1 A Family Rider ❑ Condominium Rider ❑ Planned Unit Development Rider ❑ Biweekly Payment Rider NFDR "Single Fvray —FaaWe Mae coddle MacUW0RM11HJTIttrA1We. Irsu lelsu tmn) MFNE3111 (PaSelofl / page) ❑ Second Home Rider © Other(s) [specify] Prepay Rider F.. .3029 LOl 4000208342 aH"nIIND To Order esl'. AB10.ss0.09J 0Z al. Is,, in