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('Borrower "). The trustee is FIRST AMERICAN TITLE INSURANCE COMPANY
<br />( "Trustee"). The beneficiary is Mortgage Electronic Registration Systems, Inc. ( "MERS ") (solely as nominee for Lender, 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 -MFRS.
<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 -11 80111
<br />( "Lender'). Borrower owes Lender the principal sum of
<br />EIGHTY -FOUR THOUSAND EIGHTY -FIVE AND 00 /100
<br />Dollars (U.S. $ 84, 085.00 ). This debt is evidenced by Borrower's 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 />APRIL 1, 2033 . This Security Instrument secures to Lender: (a) the repayment of the debt
<br />evidenced by the Nate, with interest, and all renewals, extensions and modifications of the Nate; (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 trust, with power of sale,
<br />the following described property located in HALL County, Nebraska:
<br />If�B{K;DHGCRmBlQ20Ht AWMACHMDc HBRB=
<br />Lot 16, Bartelt Subdivision of part of Lot 7, 15, 16, and 17, and 18 of the County
<br />Subdivision of part of the S1 /2 of Section 5, Township 9 North Range 9 West of the
<br />6th p.m., in the Tillage of Doniphan, Hall County, Nebraska.
<br />which has the address of 104 WEST BARTELT AVENUE, DONIPHAN ]Sncc6Cityl,
<br />Nebraska 68832 ]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 MFRS holds only legal title to the interests granted by Borrower in this Security Instrument; but, if necessary to comply
<br />with law or custom, MERS (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 required of
<br />Lender including, but not limited to, releasing or canceling this Security Instrument.
<br />FHA Nebraska Used of Trust 4/91
<br />Wlnulli Page 1 of 7
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<br />DEED OF TRUST
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<br />THIS DEED OF 'fRLIST ( "Security
<br />instrument ") is made on
<br />MARCH 21, 2003
<br />,among the grantor
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<br />JOE D. ROYSTON AND RENEE K.
<br />ROYSTON, HUSBAND
<br />AND WIFE AS
<br />JOINT TENANTS
<br />('Borrower "). The trustee is FIRST AMERICAN TITLE INSURANCE COMPANY
<br />( "Trustee"). The beneficiary is Mortgage Electronic Registration Systems, Inc. ( "MERS ") (solely as nominee for Lender, 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 -MFRS.
<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 -11 80111
<br />( "Lender'). Borrower owes Lender the principal sum of
<br />EIGHTY -FOUR THOUSAND EIGHTY -FIVE AND 00 /100
<br />Dollars (U.S. $ 84, 085.00 ). This debt is evidenced by Borrower's 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 />APRIL 1, 2033 . This Security Instrument secures to Lender: (a) the repayment of the debt
<br />evidenced by the Nate, with interest, and all renewals, extensions and modifications of the Nate; (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 trust, with power of sale,
<br />the following described property located in HALL County, Nebraska:
<br />If�B{K;DHGCRmBlQ20Ht AWMACHMDc HBRB=
<br />Lot 16, Bartelt Subdivision of part of Lot 7, 15, 16, and 17, and 18 of the County
<br />Subdivision of part of the S1 /2 of Section 5, Township 9 North Range 9 West of the
<br />6th p.m., in the Tillage of Doniphan, Hall County, Nebraska.
<br />which has the address of 104 WEST BARTELT AVENUE, DONIPHAN ]Sncc6Cityl,
<br />Nebraska 68832 ]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 MFRS holds only legal title to the interests granted by Borrower in this Security Instrument; but, if necessary to comply
<br />with law or custom, MERS (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 required of
<br />Lender including, but not limited to, releasing or canceling this Security Instrument.
<br />FHA Nebraska Used of Trust 4/91
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