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<br />When recorded return to:
<br />CHERRY CREEK
<br />MORTGAGE CO., INC.
<br />7600 E. ORCHARD RD #250 -N
<br />GREENWOOD VILLAGE, CO 80111
<br />[Space Above This Line For Recording Data] (� \
<br />DEED OF TRUST TO ERER
<br />LOAN M. 166007o4 \
<br />DEFINITIONS WIN, 400149427
<br />MIN: 100030200166007045
<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 DECEMBER 20, 2004
<br />together with all Riders to this document.
<br />(B) "Borrower" is GINA M. TOBERER, A SINGLE WOMAN
<br />Borrower is the truster under this Security Instrument.
<br />(C) "Lender" is CHERRY CREEK MORTGAGE CO., INC.
<br />Lender is a CORPORATION organized and existing under
<br />the laws of THE STATE OF COLORADO . Lender's address is 7600 E.
<br />ORCHARD RD #250 -N GREENWOOD VILLAGE, CO 80111
<br />(D) "Trustee "is TICOR TITLE INSURANCE COMPANY
<br />(E) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation drat is acting
<br />solely as a nominee for Lender and Lender's successors and assigns. MFRS is the beneficiary under this
<br />Security Instrument. MFRS is organized mid existing under the laws of Delaware, and has an address and
<br />telephone number of P.O. Box 2026, Flint, MI 48501 -2026, tel. (888) 679 - MFRS.
<br />(F) "Note" means the promissory note signed by Borrower and dated DECEMBER 20, 2004
<br />The Note states that Borrower owes Lender
<br />SEVENTY -FOUR THOUSAND SEVEN HUNDRED TWENTY AM 00 /100
<br />Dollars (U.S. $ 74, 720.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic
<br />Payments and to pay the debt in full not later than JANUARY 1, 2035
<br />(G) "Property" means the property that is described below under the heading "Transfer of Rights in the
<br />Property."
<br />(H) "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 />NEBIfA.SKA -S,i& Pamily -- Fannie Mse/F,,ddie Mac UNIFORM INSTRUMENT
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<br />[Space Above This Line For Recording Data] (� \
<br />DEED OF TRUST TO ERER
<br />LOAN M. 166007o4 \
<br />DEFINITIONS WIN, 400149427
<br />MIN: 100030200166007045
<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 DECEMBER 20, 2004
<br />together with all Riders to this document.
<br />(B) "Borrower" is GINA M. TOBERER, A SINGLE WOMAN
<br />Borrower is the truster under this Security Instrument.
<br />(C) "Lender" is CHERRY CREEK MORTGAGE CO., INC.
<br />Lender is a CORPORATION organized and existing under
<br />the laws of THE STATE OF COLORADO . Lender's address is 7600 E.
<br />ORCHARD RD #250 -N GREENWOOD VILLAGE, CO 80111
<br />(D) "Trustee "is TICOR TITLE INSURANCE COMPANY
<br />(E) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation drat is acting
<br />solely as a nominee for Lender and Lender's successors and assigns. MFRS is the beneficiary under this
<br />Security Instrument. MFRS is organized mid existing under the laws of Delaware, and has an address and
<br />telephone number of P.O. Box 2026, Flint, MI 48501 -2026, tel. (888) 679 - MFRS.
<br />(F) "Note" means the promissory note signed by Borrower and dated DECEMBER 20, 2004
<br />The Note states that Borrower owes Lender
<br />SEVENTY -FOUR THOUSAND SEVEN HUNDRED TWENTY AM 00 /100
<br />Dollars (U.S. $ 74, 720.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic
<br />Payments and to pay the debt in full not later than JANUARY 1, 2035
<br />(G) "Property" means the property that is described below under the heading "Transfer of Rights in the
<br />Property."
<br />(H) "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 />NEBIfA.SKA -S,i& Pamily -- Fannie Mse/F,,ddie Mac UNIFORM INSTRUMENT
<br />aocusnei (Puget of 14)
<br />oocvnnr.vsx oenonw,
<br />Furn. 30281/01
<br />
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