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[Space Above This Line For Recording Data]
<br />DEED OF TRUST
<br />MIN :1001993- 0000527872 -9
<br />DEFINITIONS
<br />Words used in multiple sections of this document arc defined below and other words are defined in Sections 3, 11,
<br />13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16.
<br />(A) 'Security Instrument" means this document, which is dated JULY 21, 2005 , together
<br />with all Riders to this document.
<br />(B) "Borrower" is ADRIANE M. SMUTNY AND JARED W. UMMEL, AS JOINT
<br />TENANTS
<br />Borrower is the trustor under this Security Instrument.
<br />(C) "Lender" is HAMILTON MORTGAGE COMPANY
<br />Lender is a ARIZONA CORPORATION organized
<br />and existing under the laws of ARIZONA
<br />Lender's address is 2700 NORTH CENTRAL AVENUE, SUITE 1500, PHOENIX,
<br />ARIZONA 85004
<br />D 'Trustee "is FIRST AMERICAN TITLE INSURANCE COMPANY
<br />123 NORTH LOCUST, GRAND ISLAND, NEBRASKA 68801
<br />(E) "HERS" is Mortgage Electronic Registration Systems, Inc. MERS 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 Security
<br />Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone number
<br />of P.O, Box 2026, Flint, MI 48501 -2026, tel. (888) 679 -MFRS.
<br />(F) 'Note" means the promissory note signed by Borrower and dated JULY 21, 2005
<br />The Note states that Borrower owes Lender SIXTY --FOUR THOUSAND FIVE HUNDRED AND
<br />00/100 Dollars (U.S. $ 64, 500.00 ) plus interest.
<br />Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than
<br />AUGUST 1, 2035
<br />(G) 'Property" means the property that is described below under the heading "Transfer of Rights in the Property. "
<br />(I) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under
<br />the Note, and all sums due under this Security Instrument, plus interest.
<br />(I) "Riders" means all Riders to this Security Instrument that arc executed by Borrower. The following Riders are
<br />to be executed by Borrower [check box as applicable]:
<br />® Adjustable Rate Rider ❑ Condominium Rider
<br />❑ Balloon Rider ❑ Planned Unit Development Rider
<br />❑ 1 -4 Family Rider ❑ Biweekly Payment Rider
<br />❑ Second Home Rider
<br />® Other(s) [specify]
<br />PREPAYMENT RIDER TO
<br />SECURITY INST
<br />(.I) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and
<br />administrative rules and orders (that have the effect of law) as well as all applicable final, non - appealable judicial
<br />opinions.
<br />NEBRASKA—Single Family— Fannie Mae/Freddie Mac UNIFORM INSTRUMWr - MERS D0CMa9k4PR M 800 -649 -1362
<br />Form 3028 1/01 Image 1 of 10 www.dmimjc.corn
<br />T-k3028.med1.texn
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<br />HAMILTON MORTGAGE COMPANY
<br />2700 NORTH CENTRAL AVENUE,
<br />SUITE
<br />1500
<br />PHOENIX, ARIZONA 85004
<br />Loan Number: 0000527872
<br />[Space Above This Line For Recording Data]
<br />DEED OF TRUST
<br />MIN :1001993- 0000527872 -9
<br />DEFINITIONS
<br />Words used in multiple sections of this document arc defined below and other words are defined in Sections 3, 11,
<br />13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16.
<br />(A) 'Security Instrument" means this document, which is dated JULY 21, 2005 , together
<br />with all Riders to this document.
<br />(B) "Borrower" is ADRIANE M. SMUTNY AND JARED W. UMMEL, AS JOINT
<br />TENANTS
<br />Borrower is the trustor under this Security Instrument.
<br />(C) "Lender" is HAMILTON MORTGAGE COMPANY
<br />Lender is a ARIZONA CORPORATION organized
<br />and existing under the laws of ARIZONA
<br />Lender's address is 2700 NORTH CENTRAL AVENUE, SUITE 1500, PHOENIX,
<br />ARIZONA 85004
<br />D 'Trustee "is FIRST AMERICAN TITLE INSURANCE COMPANY
<br />123 NORTH LOCUST, GRAND ISLAND, NEBRASKA 68801
<br />(E) "HERS" is Mortgage Electronic Registration Systems, Inc. MERS 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 Security
<br />Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone number
<br />of P.O, Box 2026, Flint, MI 48501 -2026, tel. (888) 679 -MFRS.
<br />(F) 'Note" means the promissory note signed by Borrower and dated JULY 21, 2005
<br />The Note states that Borrower owes Lender SIXTY --FOUR THOUSAND FIVE HUNDRED AND
<br />00/100 Dollars (U.S. $ 64, 500.00 ) plus interest.
<br />Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than
<br />AUGUST 1, 2035
<br />(G) 'Property" means the property that is described below under the heading "Transfer of Rights in the Property. "
<br />(I) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under
<br />the Note, and all sums due under this Security Instrument, plus interest.
<br />(I) "Riders" means all Riders to this Security Instrument that arc executed by Borrower. The following Riders are
<br />to be executed by Borrower [check box as applicable]:
<br />® Adjustable Rate Rider ❑ Condominium Rider
<br />❑ Balloon Rider ❑ Planned Unit Development Rider
<br />❑ 1 -4 Family Rider ❑ Biweekly Payment Rider
<br />❑ Second Home Rider
<br />® Other(s) [specify]
<br />PREPAYMENT RIDER TO
<br />SECURITY INST
<br />(.I) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and
<br />administrative rules and orders (that have the effect of law) as well as all applicable final, non - appealable judicial
<br />opinions.
<br />NEBRASKA—Single Family— Fannie Mae/Freddie Mac UNIFORM INSTRUMWr - MERS D0CMa9k4PR M 800 -649 -1362
<br />Form 3028 1/01 Image 1 of 10 www.dmimjc.corn
<br />T-k3028.med1.texn
<br />
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