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<br />When Recorded Mail To:
<br />CHERRY CREEK MORTGAGE CO., INC
<br />3300 E. 1ST AVE., SUITE 460
<br />DENVER, CO 80206
<br />200211177
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<br />DEED OF TRUST
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<br />FERNAN➢EZ
<br />LOAN NUMBER: 16600019
<br />CASs NuM ER: 321- 2229676 -703
<br />MIN: 100030200166000198
<br />THIS DEED OF TRUST ("Security Instrument ") is made on OCTOBER 14, 2002
<br />GUADALUPE FERNANDEZ AND PEDRO FERNANDEZ, HUSBAND AND WIFE
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<br />among the grantor - . -
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<br />( "Borrower "). The trustee 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 -MERS.
<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 />3300 E. 1ST AVE., SUITE 460 DENVER, 3300 E. 1ST AVE., SUITE 460 80206
<br />_ ( "Lender'). Borrower owes Lender the principal sum of
<br />ONE HUNDRED THIRTEEN THOUSAND ONE HUNDRED SIX AND 00 /100
<br />Dollars (U.S. $ 113,106.00 ). 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 />NOVEMBER 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 HALL County, Nebraska:
<br />LOT FOUR (4) , BLOCK ONE HUNDRED SIX (106) , RAILROAD ADDITION TO THE CITY OF GRAND ISLAND
<br />HALL COUNTY, NEBRASKA.
<br />which has the address of 721 WEST 1ST STREET, GRAND ISLAND
<br />Nebraska 68801 [Zip Code] ("Property Address ");
<br />[Street, City],
<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 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 light 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 Nebra" Does ofTr I -2/91
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