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( "Borrower "). The [mstee is TICOR 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 -N
<br />$ 0111 ( "Lender "). Burrower owes Lender the principal sum of
<br />FIFTY -FOUR THOUSAND FIVE HUNDRED SIXTY -EIGHT AND 00 /100
<br />Dollars (U.S. $ 54,S68.00 ). This debt is evidenced by Borrowers note dated the same date as this Security
<br />Instrument ( "Note "), widen provides for monthly payments, with the full debt, if not paid earlier, due and payable on
<br />MAY 1, 2033 . 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 wider paragraph 7 to protect the security of this Security instrument; and (c) the performance of
<br />Borrower's covenants and agreements tinder 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 />LOT SIXTEEN (16) IN BLOCK TWENTY THREE (23) IN COLLEGE ADDITION TO
<br />WEST LANN, IN THE CITY OF GRAND ISLAND, HALL COUNTY, NEBRASKA.
<br />which has the address of 2111 NORTH PARK AVENUE, GRAND ISLAND [Street, City],
<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 Burrower in this Security Instrument; but, if necessary to comply
<br />with law or custom, MERS (as romance 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 nut limited to, releasing or canceling this Security Instrument.
<br />FHA Nehrasgn Died of Trust - 2/91
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<br />THIS DEED OF'IRUST ( "Security Instrutnenl ") is made on
<br />APRIL 21, 2003
<br />, among
<br />the grantor
<br />CRYSTAL M. MCCARTHY AND JOSEPH R. JOHNSON, AS
<br />JOINT TENANTS
<br />each a
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<br />.single
<br />person
<br />( "Borrower "). The [mstee is TICOR 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 -N
<br />$ 0111 ( "Lender "). Burrower owes Lender the principal sum of
<br />FIFTY -FOUR THOUSAND FIVE HUNDRED SIXTY -EIGHT AND 00 /100
<br />Dollars (U.S. $ 54,S68.00 ). This debt is evidenced by Borrowers note dated the same date as this Security
<br />Instrument ( "Note "), widen provides for monthly payments, with the full debt, if not paid earlier, due and payable on
<br />MAY 1, 2033 . 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 wider paragraph 7 to protect the security of this Security instrument; and (c) the performance of
<br />Borrower's covenants and agreements tinder 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 />LOT SIXTEEN (16) IN BLOCK TWENTY THREE (23) IN COLLEGE ADDITION TO
<br />WEST LANN, IN THE CITY OF GRAND ISLAND, HALL COUNTY, NEBRASKA.
<br />which has the address of 2111 NORTH PARK AVENUE, GRAND ISLAND [Street, City],
<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 Burrower in this Security Instrument; but, if necessary to comply
<br />with law or custom, MERS (as romance 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 nut limited to, releasing or canceling this Security Instrument.
<br />FHA Nehrasgn Died of Trust - 2/91
<br />utxzewei Page 1 of 7
<br />nocvuxsr.vxx r� /�a /�000
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