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<br />I\.) <br />iSl <br />iSl <br />-.....j <br />iSl <br />0) <br />I\.) <br />0) <br />(J1 <br /> <br />~-E~ <br /><<:::. 0 o.~ <br />'" tJ\ -:, <br />..., <:> - . <br />~ <::> ~" rt1 <br />~J?~ ~~ ~ <br />-h-""'. <br />~~~ <br />l\- "<: IS' <br />~. ;:::.. <br />~,~ <br />:~- <br />~ <br />).J ~ DI~IIrI....,llol./ ~ <br />;:;~: <br /> <br />-.1 STEWART LENDER SERVICES <br />~ 9700 BISSONNET, SUITE 1500, <br />~ HOUSTON, TEXAS 77036 <br />\.,'1 Loan Number: 07-HR3974 L' <br />-:50,,",\,\ j.... '!wav\Ol{)\JJ~;" \ <br />'?J \1-'" 80'.].... oo~ (Space Above This line for Recording D3taJ <br /> <br />-0 <br />::3 <br />~ <br />... <br />(;..) <br />en <br /> <br />() <br />'J: () <br />rn ).'1>. <br />() "'l <br />,,::.c <br /> <br />1tl <br />m <br />"Tl <br />C <br />-V' <br />~. <br />l"') <br />... <br />~~') <br /> <br />C- <br />c:: <br />I <br />N <br />..c <br /> <br />()() <br />::r:> <br />m C.fl <br />()::t <br />" <br /> <br />r...:. <br />~ <br />~ <br />~ <br /> <br />~ <br />~ ~~ <br />6 : ~ <br />20 007 0 6E2fs <br /> <br />~ <br /> <br />~ <br />Q <br /> <br />L STOP - 7 <br /> <br />--"-- <br /> <br />DEED OF TRUST <br />6/c e.o -60l:L <br />MIN: 100080190066710575 CJ1L0~d \ ~ lq <br />DEFINITIONS <br /> <br />Words used In multiple sections of this document are defined below and other words are defined In Sections 3, II, <br />13, t8. 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 JULY 12, 2007 . together <br />with all Riders to this document. <br />(B) "Borrower"ls GARY L WILLARD AND JULIE WILLARD, HUSBAND AND WIFE <br />AS JOINT TENANTS <br /> <br />Borrower Is the trustor under this Security Instrument. <br />(e) "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 11595 N. MERIDIAN ST. SUITE 400, CARMEL, INDIANA <br />46032 <br /> <br />(D) "Trustee" Is CREATIONS TITLE <br />11595 NORTH MERIDIAN ST, CARMEL, INDIANA 46032 <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 JUL Y 12, 2007 <br />The Note stales that Borrower owes Lender ONE HUNDRED NINETEEN THOUSAND SEVEN <br />HUNDRED AND 00/100 Oollars(U.S.$ 119,700.00 )ploslnleresl. <br />Borrower has promised 10 pay this debt In regular Periodic Payments and to pay the debt In full nol later Ihan <br />AUGUST L 2037 <br />(G) "Property" means the property that Is described below under the heading "Transfer of Right.. In the Property." <br />(II) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late (,harges due onder <br />the Note. and all sums due under this Security Instrumenl. plus Inlerest. <br />(I) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are <br />10 be p.xe"uted by Borrower )check box as applicable): <br /> <br />!Xl Adjustable Rate Rider <br />o 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 Semnd Home Rider <br />IXI Other(s) Ispedfy) <br />PREPAYMENT RIDER TO SECURITY INST <br /> <br />NEBRASKA--Single FamilyuFannie M..../Frlllloie Mac UNIFORM INSTRUMENT. MERS <br />Form 3028 1/01 Page 1 of 11 <br /> <br />DocMag/c ~ .OO-.49-7~.1 <br />www.docmagic.com <br /> <br />,~. .." <br /> <br />nGl') <br />$-4 <br />~"'~ <br />..o--fn<1 <br />"""0 <br />Q-'" <br />""'z <br />::em <br />l>'~ <br />r:n <br />r)lllo: <br />(j) <br />;ii< <br />. <br />-,~ <br /> <br />I. <br />i.4" <br /> <br />cPt .cru <br /> <br /><:;:) <br />N <br />o <br />o <br />-J <br />o <br />en <br />N <br />m <br /> <br />,>.CJ'1 <br /> <br />rr) <br />~ <br />f! <br />~ <br /> <br />S"" <br />g <br />I <br />~ <br />