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<br /> 10 n ~ <br /> m % <br /> """ <br /> i c: m <br /> n z n x <br /> "" <br /> % ~ C <br /> ", ~ <br /> n en ~ <br />I'..) 1'1; :c <br />G 0 <br />S ~ <br />-....,J ~ <br />0 <br />.p. (j <br />G <br />-....,J <br />CO <br /> <br /> <br /> <br /> ~'..~ f <br /> f.::.,,::.J (") <br /> '= (fJ <br /> '~}l" ~ 0 -4 0 <br /> 3 c: 1:.: <br />.:n $\ \, :z ~--1 N <br />1'1', (:'.... = --i rrl <br />-c <br />1:;'-) ~ .h "_ -< 0 0 ar <br /> c..c,'"' I---> <br />o y, 0 .,., 0 <br />-"'r) \ CO 'l Z - <br /> )0,' -.J ~ <br />(:;t I ~- ::c 1-1"1 <br />.....,..'..\ <br />rl'" ~, ~ t,. CrJ a <br />1"1"1 f :3 ~ ;u <br />Cl <br />(fJ r l~ -C i <br /> (\ (...) (jJ <br /> t-- ::><; C> <br /> >- <br /> ...c --- ---- -J <br /> CD (j'J co ~ <br /> (J) <br /> <br />After Recording Return To: <br />STEWART LENDER SERVICES <br />9700 BISSONNET, SUITE 1500, MAIL STOP - 27 <br />HOUSTON, TEXAS 77036 <br />Loan Number: 07-GR6923 <br /> <br />[Space Above This Line For Recording Data] <br /> <br />DEED OF TRUST <br /> <br />MIN: 100080190065839813 <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 MAY 14, 2007 , together <br />with all Riders to this document. <br />(B) "Borrower" is FRANK J HERMES AND ,JOAN M HERMES, J... \ I f_ <br />'l.Al':t..,.~ lX.. nO. \AJ \ 'tt... <br /> <br />Borrower is the trustor under this Security Instrument. <br />(C) "Lender" is NOVASTAR MORTGAGE, INC. <br /> <br />Lender Is a CORPORATION organized <br />and existing under the laws of VIRGINIA <br />Lender's address Is 6200 OAK TREE BLVD. THIRD FLOOR, INDEPENDENCE, OHIO <br />44131 - 'is' <br /> <br />(D) "Trustee" is ~l\'n,jII,UEi I u.u! 'I'"D-n:J na.:fi. O'i) .1 <br /> <br />;/1~~~I1w~K\i.:o~~J.~~1i5~ IED~Srl 0m'~'t.M-"a l,611~ <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 Detaware, 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 MAY 14, 2007 <br />The Note states that Borrower owes Lender NINETY-NINE THOUSAND SEVEN HUNDRED <br />FIFTY AND 00/100 Dollars(U.S.$ 99,750.00 ) 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 />JUNE I, 2037 <br />(G) "Property" means the property that Is described below under the heading "Transfer of Rights inthn 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 />IXJ Adjustable Rate Rider <br />n Balloon Rider <br />o 1-4 Family Rider <br />o Condominium Rider <br /> <br />o Planned Unit Development Rider <br />o Biweekly Payment Rider <br />o Second Home Rider <br />IXJ Other(s) [specify] <br />PREPAYMENT RIDER TO SECURITY INST <br /> <br />NEBRASKA..Single Famiiy.-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT - MERS <br />Form 3028 1/01 Page 1 of 11 <br /> <br />DocMagic ~jjtJ'1!ffiJl; BOO-64_q.7.162 <br />www.docmagic.com <br /> <br />J'o, So <br /> <br />{til <br /> <br /> <br /> <br />/1 <br />/J <br />