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<br />[Space Above This Line for Recording Data]
<br />
<br />State of Nebraska
<br />
<br />DEED OF TRUST
<br />
<br />~IN: 100416700001002626
<br />
<br />I FHA Case No.
<br />321-2416935-703
<br />
<br />THIS DEED OF TRUST ("Security Instrument") is made on
<br />The trustor is Krvstal A SchiItmever a sinl!le person
<br />
<br />October 3rd
<br />
<br />2005
<br />
<br />("Borrower"). The trustee is U.S. Bank Trust Companv. National Association
<br />
<br />("Trustee") , and the beneficiary. Mortgage Electronic Registration Systems, Inc. ("MERS"), which is acting solely as nominee for Lender (as
<br />hercinafter defined) and Lender's successors and assigns. MERS is organized and existing under the laws of Delaware, and has an address and
<br />telephone number of PO Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS.
<br />CharterWest National Bank
<br />which is organized and existing under the laws of the United States of America
<br />Suite C Grand Island, NE 68803
<br />Lender the principal sum of Seventy Nine Thousand Three Hundred Seventy Three and 00/100
<br />Dollars (U.S. $ 79,373.00 ). This debt is evidenced by Borrower's note dated the same date as this Security Instrument ("Note"), which
<br />provides for monthly payments with the full debt, if not paid earlier, due and payable on November 01, 2035 . This Security
<br />Instrument secures to Lender: (a) the repayment ofthe debt evidenccd by the Note, with interest, and all renewals, extensions and modifications;
<br />(b) the payment of all othcr sums, with interest, advanced under paragraph 6 to protect the security of this Security Instrument; and (c) the
<br />performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby
<br />mortgage, grant and convey to Trustee with powcr of sale, the following described property located in Hall County:
<br />South 36 feet of Lot 39, North 28 feet of Lot 40, West Heights Second Addition to the City of Grand island, Hall County,
<br />Nebraska.
<br />
<br />, and whose address is 2535 Carleton Avenue
<br />("Lender"). Borrower owes
<br />
<br />which has the address of 522 N Sherman Ave
<br />[Street]
<br />
<br />68803
<br />
<br />Grand Island
<br />[City]
<br />("Property Address");
<br />
<br />Nebraska
<br />
<br />[ State I [Zip Code]
<br />
<br />TOGETHER WITI--I all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixturcs now or
<br />hereafter a part of the property. All replacements and additions shall also be covercd by this Security Instrument. All of the foregoing is
<br />referred to in this Security Instrument as the "Property." Borrower understands and agrees that MERS holds only legal title to the interests
<br />granted by Borrower in this Security Instrument; but, if necessary to comply with law or custom, MERS (as nominee for Lcndcr and Lendcr's
<br />successors and assigns) has the right to exercise any or all those interests, including, but not limited to, the right to foreclose and sell the
<br />Property; and to take any action required of Lcnder including, but not limited to, releasing or canceling this Security Instrument.
<br />
<br />BORROWER COVENANTS that Borrower is lawfully seized of the estate hereby conveyed and has the right to mortgage, grant and
<br />convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally
<br />the title to the Property against all claims and demands, subject to any encumbrances of record.
<br />
<br />THIS SECURITY INSTRUMENT combines unifonn covenants for national use and non-uniform covenants with limited variations by
<br />jurisdiction to constitute a uniform security instrument covering real property.
<br />
<br />Borrower and Lender covenant and agree as follows:
<br />
<br />UNIFORM COVENANTS.
<br />
<br />1. Payment of Principal, Interest and Late Charge. Borrower shall pay when due the principal of, and interest on, the debt evidenced
<br />by the Note and late charges due undcr the Note.
<br />
<br />2. Monthly payment of Taxes, Insurance, and Other Charges. Borrower shall include in each monthly payment, together with the
<br />principal and interest as set forth in the Notc and any late charges, a sum for (a) taxes and special assessments levied or to be levied against the
<br />Property, (b) leasehold payments or ground rents on the Property, and (c) premiums for insurance required under Paragraph 4. In any ycar in
<br />which the Lender must pay a mortgage insurance premium to the Secretary of Housing and Urban Development ("Secretary"), or in any year in
<br />which such premium would have been required if Lender still held the Security Instrument, each monthly payment shall also include either: (i) a
<br />sum for the annual mortgagc insurance premium to be paid by Lender to the Secretary, or (ii) a monthly charge instead of a mortgage insurance
<br />premium if this Security Instrument is held by the Secretary, in a reasonable amount to be detennined by the Secretary. Except for the monthly
<br />charge by the Secretary, these items are called "Escrow Items" and the sums paid to Lender arc called "Escrow Funds."
<br />16256.CV (12/04) 900258 Page I of 5
<br />
<br />Return To:
<br />CharterWest National Bank
<br />2535 Carleton Avenue Suite C
<br />Grand Island, NE 68803
<br />
<br />~
<br />
<br />GOTO(OOO 1 b906)
<br />
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