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Borrower is the trustor under this Security Instrument. <br />(C) "Lender" is MORTGAGE EXPRESS, INC. <br />Lender is a CORPORATION <br />organized and existing under the laws of NEBRASKA <br />Lender's address is 7200 SOUTH 84TH STREET <br />LA VISTA, NE 68128 <br />(D) "Trustee" is MICHAEL KIVETT <br />(E) "MERS" is Mortgage Electronic Registration Systems, Inc. MFRS is a separate corporation that is acting <br />solely as a nominee for Lender and Lender's successors and assigns. MERS is the beneficiary under this <br />Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address and <br />telephone number of P.O. Box 2026, Flint, MI 48501 -2026, tel. (888) 679 -MERS. <br />NEBRASKA - Single Family - Fannie Mae /Freddie Mac UNIFORM INSTRUMENT <br />Form 3028 1/01 <br />Laser Forms Inc. (800) 446 -3555 <br />LFI #FNMA3028 -MERS 1/01 (A) Page 1 of 13 Initials: .0 , <br />n n <br />rn <br />.. C <br />z <br />IV <br />A _ <br />C31 �"...."� <br />o <br />c:) <br />co <br />�, <br />M <br />ry <br />ors <br />w� <br />rn <br />C7 <br />O <br />MIDLANDS LAND TITLE & ABSTRACT, INC. <br />n "b <br />:Z Fri <br />A C" <br />p <br />11011 Q STREET ' SUITE 104C <br />C <br />OMAHA, NE 68137 <br />ry <br />( <br />CIO <br />Prepared by: <br />I- <br />MORTGAGE EXPRESS, INC. - MICHELLE WRIGHT <br />c 7 <br />.� <br />7200 S 84TH STREET <br />cn <br />2 <br />LAVISTA, NE 68128 <br />C7 <br />(402) 334 -5878 <br />- <br />Loan No: WM- 641172826 [Space Above This Line For Recording Data] <br />�\ <br />D <br />MIN: 1001605 - 0150282227 <br />--i <br />M <br />CO2 <br />1'77 <br />DEFINITIONS <br />Words used in multiple sections of this document are defined below and other words are defined in Sections 3, <br />M <br />y <br />11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also <br />provided in <br />Section 16. <br />(A) "Security Instrument" means this document, which is dated <br />March 24, 2005 <br />together with all Riders to this document. <br />(B) "Borrower" is <br />KEVIN LUTZ, ANN SUKRAW -LUTZ, HUSBAND AND WIFE, JTWROS <br />Borrower is the trustor under this Security Instrument. <br />(C) "Lender" is MORTGAGE EXPRESS, INC. <br />Lender is a CORPORATION <br />organized and existing under the laws of NEBRASKA <br />Lender's address is 7200 SOUTH 84TH STREET <br />LA VISTA, NE 68128 <br />(D) "Trustee" is MICHAEL KIVETT <br />(E) "MERS" is Mortgage Electronic Registration Systems, Inc. MFRS is a separate corporation that is acting <br />solely as a nominee for Lender and Lender's successors and assigns. MERS is the beneficiary under this <br />Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address and <br />telephone number of P.O. Box 2026, Flint, MI 48501 -2026, tel. (888) 679 -MERS. <br />NEBRASKA - Single Family - Fannie Mae /Freddie Mac UNIFORM INSTRUMENT <br />Form 3028 1/01 <br />Laser Forms Inc. (800) 446 -3555 <br />LFI #FNMA3028 -MERS 1/01 (A) Page 1 of 13 Initials: .0 , <br />