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<br /> '" ~~c: <br /> m <br /> fa "'" "'" o~ <br /> c: c::::> o (j) <br /> Z n:J: <::::::> C> -l <br /> n A ~ c.n <br /> :- 0 c::l> <br /> :I: n c::J ::z-l ~[ <br /> la m > ~l ~~ r-r1 -1m <br /> n (I) 'J! ~ -<0 <br />N ~ :t: c::>~ <br />CSl ~ Jl w o "'T1 <br />CSl ""T\ c::> -"z CJ1_ <br />0'1 '15' 0 t1 :r: I-'ll ~I <br />...... <br />N fT1 r -0 )> CD <br /> r) m ::3 I :.:0 <br />-.....,J 0 I 1> <br />-.....,J v <br /> (/) (j) <br />-.....,J G.) ;:><:; <br /> ~ l> <br /> c...:l ~"........... <br /> c.n en -.lZ <br /> en <br /> 0 <br /> <br />_ .fter Recording Return To: <br />OWNIT MORTGAGE SOLUTIONS, INC. <br />27349 AGOURA ROAD, SUITE 100 <br />AGOURA HILLS, CALIFORNIA 91301 <br />Loan Number: 4903818 <br /> <br />r,. <br />'OJ/"" <br /> <br />55,50 <br /> <br />[Space Above This Line For Recording Data] <br /> <br />DEED OF TRUST <br /> <br />MIN: 100224620001290785 <br /> <br />DEFINITIONS <br /> <br />Words used in multiple sections of this document are 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 /> <br />(A) "Security Instrument" means this document, which is dated DECEMBER 29, 2005 , together <br />with all Riders to this document. <br />(B) "Borrower"is GLORIA L. BERNAL AND DAVID A. BERNAL, WIFE AND <br />HUSBAND AS JOINT TENANTS <br /> <br />Borrower is the trustor under this Security Instrument. <br />(C) "Lender" is OWNIT MORTGAGE SOLUTIONS, INC. <br /> <br />Lender is a CALIFORNIA CORPORATION <br />and existing under the laws of CALI FORNIA <br />Lender's address is 27349 AGOURA ROAD, SUITE 100, AGOURA HILLS, <br />CALIFORNIA 91301 <br /> <br />organized <br /> <br />(D) "Trustee" is TICOR TITLE INSURANCE COMPANY <br />106 W. 11TH ST #1800, KANSAS CITY, KANSAS 64105 <br /> <br />(E) "MERS" 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-MERS. <br />(F) "Note" means the promissory note signed by Borrower and dated DECEMBER 29, 2005 <br />The Note states that Borrower owes Lender FIFTY-EIGHT THOUSAND AND 00/100 <br />Dollars (U .S. $ 58, 000 . 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 />JANUARY 1, 2036 <br />(G) "Property" means the property that is described below under the heading "Transfer of Rights in the Property. " <br />(H) "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 are executed by Borrower. The following Riders are <br />to be executed by Borrower [check box as applicable]: <br /> <br />o Adjustable Rate Rider <br />o Balloon Rider <br /> <br />o 1-4 Family Rider <br /> <br />o Condominium Rider <br />o Planned Unit Development Rider <br />o Biweekly Payment Rider <br /> <br />o Second Home Rider <br />o Other(s) [specify] <br /> <br />0) "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 /> <br />NEBRASKA-.Single FamilynFannie Mae/Freddie Mac UNIFORM INSTRUMENT - MERS <br />Form 3028 1/01 Page 1 of 10 <br /> <br />DocMaglc~ 800-649.1362 <br />www.docmagic.com <br /> <br />" II~ 'Q:!' <br />// ~ <br />, ~ <br /> <br />'1e30281.mzd_Ucm <br />