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( "Borrower'). The [rustic is OLD REPUBLIC NATIONAL TITLE INSURANCE COMPANY
<br />( "Trustee "). The beneficiary is Mortgage Electronic Registration Systems, Inc. ( "MERS ") (solely as nominee for Lerdei, as
<br />hereinafter defined, and Lender's successors and assigns). MERS is organized and existing under the laws of Delaware, and
<br />has an address and telephone number of Post Office Box 2026, Flint, Michigan 48501 -2026, telephone (888)679 -MERS.
<br />CHERRY CREEK MORTGAGE CO., INC.
<br />which is organized and existing under the laws of THE STATE OF COLORADO , and whose address is
<br />7600 E. ORCHARD RD #250 -N GREENWOOD VILLAGE, 7600 E. ORCHARD RD #250 -N 80111
<br />( "Lender'). Borrower owes Lender the principal sum of
<br />SEVENTY -SEVEN THOUSAND TWO HUNDRED EIGHTY -NINE AND 00 /100
<br />Dollars (U.S. $ 77, 289.00 ). Tlds debt is evidenced by Borrowers note dated the same date as this Security
<br />Instrument ( "Note "), which provides for monthly payments, with the full debt, if not paid earlier, due and payable on
<br />FEBRUARY 1, 2033 1 This Security Instrument secures to Lender: (a) the repayment of the debt
<br />evidenced by the Note, with interest, and all renewals, extensions and modifications of the Note; (b) the payment of all other
<br />sums, with interest, advanced under paragraph 7 to protect the security of this Security Instrument; and (c) the performance of
<br />Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower, in
<br />consideration of the debt and the trust herein created, irrevocably grants and conveys to Trustee, in Mist, with power of sale,
<br />the following described property located in HALL County, Nebraska:
<br />THE EASTERLY ONE -HALF OF LOTS ONE HUNDRED SEVENTY-FIVE (175) AND ONE HUNDRED
<br />SEVENTY- SIX(176), IN WEST LAWN ADDITION TO THE CITY OF GRAND ISLAND, HALL COUNTY,
<br />NEBRASKA, EXCEPTING A CERTAIN TRACT MORE PARTICULARLY DESCRIBED IN WARRANTY DEED
<br />RECORDED IN THE REGISTER OF DEEDS OFFICE IN BOOK 78, PAGE 706.
<br />which has the address of 1818 WEST 15TH STREET, GRAND ISLAND [Street, Cityl,
<br />Nebraska 68803 [zip code] ( "Property Address ");
<br />TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and
<br />fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security
<br />Instrument. All of the foregoing is referred to in this Security Instrument as the "Property." Borrower understands and agrees
<br />that MERS holds only legal title to the interests granted by Borrower in this Security Instrument; but, if necessary to enniply
<br />with law or custom, MFRS (as nominee for Lender and Lender's successors and assigns) has the right: to exercise any or all of
<br />those interests, including, but not limited to, the right to foreclose and sell the Property; and to take any action requhed of
<br />Lender including, but not bruited to, releasing or canceling this Security Ins rumen.
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<br />DEED OF TRUST
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<br />11115 DEED OF TRUST ( "Sccmity Instrument") is made on JANUARY 24,
<br />2003
<br />,among the grantor
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<br />KEITH P. ESPELAND AND JODI A.
<br />ESPELAND, HUSBAND AND WIFE
<br />( "Borrower'). The [rustic is OLD REPUBLIC NATIONAL TITLE INSURANCE COMPANY
<br />( "Trustee "). The beneficiary is Mortgage Electronic Registration Systems, Inc. ( "MERS ") (solely as nominee for Lerdei, as
<br />hereinafter defined, and Lender's successors and assigns). MERS is organized and existing under the laws of Delaware, and
<br />has an address and telephone number of Post Office Box 2026, Flint, Michigan 48501 -2026, telephone (888)679 -MERS.
<br />CHERRY CREEK MORTGAGE CO., INC.
<br />which is organized and existing under the laws of THE STATE OF COLORADO , and whose address is
<br />7600 E. ORCHARD RD #250 -N GREENWOOD VILLAGE, 7600 E. ORCHARD RD #250 -N 80111
<br />( "Lender'). Borrower owes Lender the principal sum of
<br />SEVENTY -SEVEN THOUSAND TWO HUNDRED EIGHTY -NINE AND 00 /100
<br />Dollars (U.S. $ 77, 289.00 ). Tlds debt is evidenced by Borrowers note dated the same date as this Security
<br />Instrument ( "Note "), which provides for monthly payments, with the full debt, if not paid earlier, due and payable on
<br />FEBRUARY 1, 2033 1 This Security Instrument secures to Lender: (a) the repayment of the debt
<br />evidenced by the Note, with interest, and all renewals, extensions and modifications of the Note; (b) the payment of all other
<br />sums, with interest, advanced under paragraph 7 to protect the security of this Security Instrument; and (c) the performance of
<br />Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower, in
<br />consideration of the debt and the trust herein created, irrevocably grants and conveys to Trustee, in Mist, with power of sale,
<br />the following described property located in HALL County, Nebraska:
<br />THE EASTERLY ONE -HALF OF LOTS ONE HUNDRED SEVENTY-FIVE (175) AND ONE HUNDRED
<br />SEVENTY- SIX(176), IN WEST LAWN ADDITION TO THE CITY OF GRAND ISLAND, HALL COUNTY,
<br />NEBRASKA, EXCEPTING A CERTAIN TRACT MORE PARTICULARLY DESCRIBED IN WARRANTY DEED
<br />RECORDED IN THE REGISTER OF DEEDS OFFICE IN BOOK 78, PAGE 706.
<br />which has the address of 1818 WEST 15TH STREET, GRAND ISLAND [Street, Cityl,
<br />Nebraska 68803 [zip code] ( "Property Address ");
<br />TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and
<br />fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security
<br />Instrument. All of the foregoing is referred to in this Security Instrument as the "Property." Borrower understands and agrees
<br />that MERS holds only legal title to the interests granted by Borrower in this Security Instrument; but, if necessary to enniply
<br />with law or custom, MFRS (as nominee for Lender and Lender's successors and assigns) has the right: to exercise any or all of
<br />those interests, including, but not limited to, the right to foreclose and sell the Property; and to take any action requhed of
<br />Lender including, but not bruited to, releasing or canceling this Security Ins rumen.
<br />FHA Nebraska Deed of Trust-2,9 I
<br />nncuesn Pe, I ef6
<br />eornvxaa.vrx as /arn000
<br />
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