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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 -MERS.
<br />MOUNTAIN NEST FINANCIAL, INC.
<br />which is organized and existing under the laws of CALIFORNIA , and whose address is
<br />1902 ORANGE TREE LANE #140 REDLANDS, 1902 ORANGE TREE LANE #140 92374
<br />( "Lender'). Borrower owes Lender the principal sum of
<br />SIXTY -FIVE THOUSAND THREE HUNDRED EIGHTY -THREE AND 00 /100
<br />Dollars (U.S -$ 65,383.00 ). This 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 />AUGUST 1, 2032 . 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 trust, with power of sale,
<br />the following described property located in BALL County, Nebraska:
<br />THE WESTERLY 1/2 OF LOT 2, IN BLOCK 135, UNION PACIFIC RAILWAY COMPANY'S SECOND
<br />ADDITION TO THE CITY OF GRAND ISLAND, HALL COUNTY, NEBRASKA
<br />which has the address of 213 EAST 9TE STREET, GRAND ISLAND [Save ,, City],
<br />Nebraska 68801 [zip code] ('Property Address');
<br />"I OGETITER 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 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 />FIIA Nebraska MW of Trait - 2/91
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<br />When Recorded Mail To:
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<br />MOUNTAIN NEST FINANCIAL, INC.
<br />1902 ORANGE TREE LANE #140
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<br />'" Nut�ER, 05107011
<br />DEED OF TRUST
<br />CASE NTNEZR, 311- 2212773- - 703
<br />NTN, 100154600052070116
<br />�-
<br />THIS DEED OF TRUST ( "Security Instrument ") is made on JULY 24, 2002
<br />, among the grantor
<br />LUCIANO GUZMAN, A SINGLE MAN
<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 -MERS.
<br />MOUNTAIN NEST FINANCIAL, INC.
<br />which is organized and existing under the laws of CALIFORNIA , and whose address is
<br />1902 ORANGE TREE LANE #140 REDLANDS, 1902 ORANGE TREE LANE #140 92374
<br />( "Lender'). Borrower owes Lender the principal sum of
<br />SIXTY -FIVE THOUSAND THREE HUNDRED EIGHTY -THREE AND 00 /100
<br />Dollars (U.S -$ 65,383.00 ). This 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 />AUGUST 1, 2032 . 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 trust, with power of sale,
<br />the following described property located in BALL County, Nebraska:
<br />THE WESTERLY 1/2 OF LOT 2, IN BLOCK 135, UNION PACIFIC RAILWAY COMPANY'S SECOND
<br />ADDITION TO THE CITY OF GRAND ISLAND, HALL COUNTY, NEBRASKA
<br />which has the address of 213 EAST 9TE STREET, GRAND ISLAND [Save ,, City],
<br />Nebraska 68801 [zip code] ('Property Address');
<br />"I OGETITER 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 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 />FIIA Nebraska MW of Trait - 2/91
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