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<br /> <br />200601465 <br /> <br />After Recording Return To: <br />OWNIT MORTGAGE SOLUTIONS, INC. <br />27349 AGOURA ROAD, SUITE 100 <br />AGOURA HILLS, CALIFORNIA 91301 <br />Loan Number: 490001811 <br /> <br />[Space Above Thi. Line For Recording Data] <br /> <br />DEED OF TRUST <br /> <br />MIN: 100224640000012170 <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 FEBRUARY la, 2006 <br />with all Riders to this document. <br />(B) "Borrower" is DAWN R BAUER, A SINGLE WOMAN <br /> <br />, together <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 exisling under the laws of CAL I FO RN I A <br />Lender'saddressis 27349 AGOURA ROAD, SUITE 100, AGOURA HILLS, <br />CALIFORNIA 91301 <br /> <br />organized <br /> <br />(D) "Trustee" is FIRST AMERICAN TITLE INSURANCE CCMPANY A CALIFORNIA CORroRATION <br />123 N LOCUST, GRAND ISLAND, NEBRASKA 68801 <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) 619-MERS. <br />(F) "Note" means the promissory note signed by Borrower and dated FEBRUARY 10, 2006 <br />The Note states that Borrower owes Lender ONE HUNDRED TWENTY-SEVEN THOUSAND ONE <br />HUNDRED AND 00/100 Dollars (U.S. $ 127,100.00 ) 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 />MARCH 1, 2036 <br />(G) "Property" means the property that is described below under the heading "Transfer of Rights in the Properly." <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 />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 /> <br />IRJ Other(s) [speci(y] <br />ADJUSTABLE RATE <br />BALLOON RIDER <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 Family..Fannie Mae/Freddie Mac UNIFORM INSTRUMENT - MERS <br />Form 302B 1/01 Page 1 of 10 <br /> <br />DocMfIgk;~ 800-649-1362 <br />www.docmBglc.com <br /> <br />()(J..)\-4 Y 000 5 ,-+ 1 <br /> <br />Nc30281.mzd.I.ll!m <br /> <br />N <br />B <br />eY <br />&Y <br />B <br />f=D <br />E2 <br />trl <br />0; <br />en <br />U1 <br /> <br />c..:> <br />N <br /> <br />05.50 <br /> <br />~ <br />