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<br />RETURN TO RECORDING DEPE
<br />Lenders First Choice
<br />3850 Royal Avenue
<br />Simi Vbl�y, CA 93065
<br />After Recording Return To:
<br />STONECRE FUNDING CORPORATION.
<br />1515 WA AE STREET #300
<br />DENVER COLORADO 80202
<br />Loan umber: 0411110005
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<br />DEED OF TRUST
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<br />MIN: 1001732-0411110005-0 _0
<br />DEFINITIONS
<br />Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11,
<br />13, 18, 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 NOVEMBER 23, 2 0 0 4 together
<br />with all Riders to this document.
<br />(B) "Borrower" is STEVEN E. KOSINSKI AND TINA M. KOSINSKI
<br />Borrower is the trustor under this Security Instrument.
<br />(C) "Lender" is STONECREEK FUNDING CORPORATION
<br />Lender is a COLORADO CORPORATION organized
<br />and existing under the laws of COLORADO
<br />Lender's address is 1515 WAZEE STREET #300, DENVER, COLORADO 80202
<br />(D) "Trustee" is LENDERS FIRST CHOICE
<br />8480 EAST ORCHARD ROAD #3000, GREENWOOD VILLAGE, COLORADO 80111
<br />(E) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting
<br />solely as a nominee for Lender and Lender's successors and assigns. MERS is the beneficiary under this Security
<br />Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone number
<br />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 NOVEMBER 2 3, 2 0 0 4
<br />The Note states that Borrower owes Lender SEVENTY —NINE THOUSAND TWO HUNDRED AND
<br />00/100 Dollars (U. S. $ 79,200.00 ) plus interest.
<br />Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than
<br />DECEMBER 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
<br />the Note, and all sums due under this Security Instrument, plus interest.
<br />(I) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are
<br />to be executed by Borrower [check box as applicable]:
<br />®
<br />Adjustable Rate Rider
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<br />Condominium Rider
<br />❑ Second Home Rider
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<br />Balloon Rider
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<br />Planned Unit Development Rider
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<br />PREPAYMENT RIDER TO
<br />SECURITY INST
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<br />DEED OF TRUST
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<br />MIN: 1001732-0411110005-0 _0
<br />DEFINITIONS
<br />Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11,
<br />13, 18, 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 NOVEMBER 23, 2 0 0 4 together
<br />with all Riders to this document.
<br />(B) "Borrower" is STEVEN E. KOSINSKI AND TINA M. KOSINSKI
<br />Borrower is the trustor under this Security Instrument.
<br />(C) "Lender" is STONECREEK FUNDING CORPORATION
<br />Lender is a COLORADO CORPORATION organized
<br />and existing under the laws of COLORADO
<br />Lender's address is 1515 WAZEE STREET #300, DENVER, COLORADO 80202
<br />(D) "Trustee" is LENDERS FIRST CHOICE
<br />8480 EAST ORCHARD ROAD #3000, GREENWOOD VILLAGE, COLORADO 80111
<br />(E) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting
<br />solely as a nominee for Lender and Lender's successors and assigns. MERS is the beneficiary under this Security
<br />Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone number
<br />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 NOVEMBER 2 3, 2 0 0 4
<br />The Note states that Borrower owes Lender SEVENTY —NINE THOUSAND TWO HUNDRED AND
<br />00/100 Dollars (U. S. $ 79,200.00 ) plus interest.
<br />Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than
<br />DECEMBER 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
<br />the Note, and all sums due under this Security Instrument, plus interest.
<br />(I) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are
<br />to be executed by Borrower [check box as applicable]:
<br />®
<br />Adjustable Rate Rider
<br />❑
<br />Condominium Rider
<br />❑ Second Home Rider
<br />❑
<br />Balloon Rider
<br />❑
<br />Planned Unit Development Rider
<br />® Other(s) [specify]
<br />❑
<br />1 -4 Family Rider
<br />❑
<br />Biweekly Payment Rider
<br />PREPAYMENT RIDER TO
<br />SECURITY INST
<br />U) "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
<br />opinions.
<br />Borrower Initials: 5c,
<br />NEBRASKA -- Single Family -- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT - MERS DocM0gicJ3RWKS 800- 649.1362
<br />Form 3028 1/01 Page 1 of 10 www.docmagic.com
<br />
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