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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 APRIL 15, 2003 together with all Riders to this document. (B) "Borrower" is JOSE L. LUCERO AND AURA LUCERO, HUSBAND AND WIFE Borrower is the trustor under this Security Instrument. (C) "Lender" is CHERRY CREEK MORTGAGE CO., INC. Lender is a CORPORATION organized and existing under the laws of THE STATE OF COLORADO Lender's address is 7600 E. ORCHARD RD #250 -N GREENWOOD VILLAGE, CO 80111 (D) "Trustee" is TICOR TITLE INSURANCE COMPANY (E) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the beneficiary under this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501 -2026, tel. (888) 679 -MERS. (F) "Note" means the promissory note signed by Borrower and dated APRIL 15, 2003 The Note states that Borrower owes Lender FIFTY -SEVEN THOUSAND AND 00 /100 Dollars (U.S. $ 57,000.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than MAY 1, 2033 (G) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (H) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. NEBRASKA -- Single Family -- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 DOCLJKNEI (Page I of 13 pages) DOCUKNEI.VTX 10/18/2002 r 4 �.• M _ Q n rn cn m =nvCr) rT O CD CD O O S rTj G� rn rn n CD C/1) tj r- n Cn l N n cn CD When recorded return to: CID CHERRY CREEK MORTGAGE CO., Or.) Cn v INC. Cn OZ 7600 E. ORCHARD RD #250 -N 200304647 GREENWOOD VILLAGE, CO 80111 [Space Above This Line For Recording Data] LOAN # DEED OF TRUST p °N #: 400058170 - MIN: 100030200166003390 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 APRIL 15, 2003 together with all Riders to this document. (B) "Borrower" is JOSE L. LUCERO AND AURA LUCERO, HUSBAND AND WIFE Borrower is the trustor under this Security Instrument. (C) "Lender" is CHERRY CREEK MORTGAGE CO., INC. Lender is a CORPORATION organized and existing under the laws of THE STATE OF COLORADO Lender's address is 7600 E. ORCHARD RD #250 -N GREENWOOD VILLAGE, CO 80111 (D) "Trustee" is TICOR TITLE INSURANCE COMPANY (E) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the beneficiary under this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501 -2026, tel. (888) 679 -MERS. (F) "Note" means the promissory note signed by Borrower and dated APRIL 15, 2003 The Note states that Borrower owes Lender FIFTY -SEVEN THOUSAND AND 00 /100 Dollars (U.S. $ 57,000.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than MAY 1, 2033 (G) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (H) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. NEBRASKA -- Single Family -- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 DOCLJKNEI (Page I of 13 pages) DOCUKNEI.VTX 10/18/2002 r 4