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M _ .�-.• <br />^'T m c <br />N O --a Q cms's <br />Ei 7 Z -I N Q <br />A <br />*i Z N C/* <br />m r--f <br />r^ M <br />/v) o r o <br />co <br />Q � N <br />c-n -C t= <br />Cn <br />200200424 <br />State of Nebraska <br />[Space Above This Line for Recording Data] <br />FHA Case No. <br />DEED OF TRUST 321- 2174261 <br />THIS DEED OF TRUST ( "Security Instrument ") is made on January 11th 2002 <br />The trustor is Nicholas J Lesiak and Becky R Lesiak as husband and wife <br />( "Borrower "). The trustee is United Nebraska Bank <br />( "Trustee "). The beneficiary is United Nebraska Bank <br />which is organized and existing under the laws of the United States of America and whose address is 700 North Webb Road <br />Grand Island, NE 68803 ( "Lender "). Borrower owes <br />Lender the principal sum of One Hundred Twenty Six Thousand Eight Hundred Seventy Five and 00 /100 <br />Dollars (U.S. S 126,875.00 ). This debt is evidenced by Borrower's note dated the same date as this Security Instrument ( "Note "), which <br />provides for monthly payments with the full debt, if not paid earlier, due and payable on February 01, 2032 . This Security <br />Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modifications; <br />(b) the payment of all other sums, with interest, advanced under paragraph 6 to protect the security of this Security Instrument; and (c) the <br />performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby <br />mortgage, grant and convey to Trustee with power of sale, the following described property located in Hall County: <br />Lot Twenty (20), Western Heights Third Subdivision, Hall County, Nebraska. <br />which has the address of 1714 Bridle Lane Grand Island <br />Mo <br />[ State ] <br />[Street] <br />68803 <br />[Zip Code] <br />[City] <br />( "Property Address "); <br />TOGETHER WITH all the improvements now or hereafter erected on the Property, and all easements, rights, appurtenances, rents, <br />royalties, mineral, oil and gas rights and profits, water rights and stock and all fixtures now or hereafter a part of the Property. All replacements <br />and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property ". <br />BORROWER COVENANTS that Borrower is lawfully seized of the estate hereby conveyed and has the right to mortgage, grant and <br />convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally <br />the title to the Property against all claims and demands, subject to any encumbrances of record. <br />THIS SECURITY INSTRUMENT combines uniform covenants for national use and non- uniform covenants with limited variations by <br />jurisdiction to constitute a uniform security instrument covering real property. <br />Borrower and Lender covenant and agree as follows: <br />UNIFORM COVENANTS. <br />1. Payment of Principal, Interest and Late Charge. Borrower shall pay when due the principal of, and interest on, the debt evidenced <br />by the Note and late charges due under the Note. <br />2. Monthly payment of Taxes, Insurance, and Other Charges. Borrower shall include in each monthly payment, together with the <br />principal and interest as set forth in the Note and any late charges, a sum for (a) taxes and special assessments levied or to be levied against the <br />Property, (b) leasehold payments or ground rents on the Property, and (c) premiums for insurance required under Paragraph 4. In any year in <br />which the Lender must pay a mortgage insurance premium to the Secretary of Housing and Urban Development ( "Secretary "), or in any year in <br />which such premium would have been required if Lender still held the Security Instrument, each monthly payment shall also include either: (i) a <br />sum for the annual mortgage insurance premium to be paid by Lender to the Secretary, or (ii) a monthly charge instead of a mortgage insurance <br />premium if this Security Instrument is held by the Secretary, in a reasonable amount to be determined by the Secretary. Except for the monthly <br />charge by the Secretary, these items are called "Escrow Items" and the sums paid to Lender are called "Escrow Funds." <br />I10LCV(8 /01) G11394 Page I of <br />GOTO(02260M) <br />