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<br />After Recording Return To: /�� "0,3 R r J
<br />FREEDOM LENDING LLC
<br />10822 OLD MILL ROAD, SUITE 7
<br />OMAHA, NEBRASKA 68154
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<br />200404001
<br />[Space Above This Line For Recording Data]
<br />DEED OF TRUST
<br />MZN:1001865- 0140329000 -1
<br />DEFINITIONS
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<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 />(A) "Security Instrument" means this document, which is dated APRIL 6, 2004 , together
<br />with all Riders to this document.
<br />(B) "Borrower" is ROGER R DVORAK AND ._ I— DVORAK, HUSBAND AND WIFE
<br />AS JOINT TENANTS 644CA�c- 3 y
<br />Borrower is the trustor under this Security Instrument.
<br />(C) "Lender" is FREEDOM LENDING LLC
<br />Lender is a LIMITED LIABILITY COMPANY organized
<br />and existing under the laws of NEBRASKA
<br />Lender's address is 10822 OLD MILL ROAD, SUITE 7, OMAHA, NEBRASKA 68154
<br />(D) "Trustee" is FIRST AMERICAN TITLE INSURANCE COMPANY
<br />1055 N. 115 ST. STE. 300, OMAHA, NEBRASKA 68154
<br />(E) "MFRS" 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 APR L 6, 2 0 0 4
<br />The Note states that Borrower owes Lender SEVENTY - TWO THOUSAND AND 0 0 / 10 0
<br />Dollars (U.S. $ 72 , 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 />MAY 1, 2034
<br />(G) "Property" means the property that is described below under the heading "Transfer of Rights in the Property."
<br />(II) "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 />® Adjustable Rate Rider
<br />❑
<br />Condominium Rider
<br />❑ Second Home Rider
<br />❑ Balloon Rider
<br />❑
<br />Planned Unit Development Rider
<br />® Other(s) [specify]
<br />❑ 1 -4 Family Rider
<br />❑
<br />Biweekly Payment Rider
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<br />[Space Above This Line For Recording Data]
<br />DEED OF TRUST
<br />MZN:1001865- 0140329000 -1
<br />DEFINITIONS
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<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 />(A) "Security Instrument" means this document, which is dated APRIL 6, 2004 , together
<br />with all Riders to this document.
<br />(B) "Borrower" is ROGER R DVORAK AND ._ I— DVORAK, HUSBAND AND WIFE
<br />AS JOINT TENANTS 644CA�c- 3 y
<br />Borrower is the trustor under this Security Instrument.
<br />(C) "Lender" is FREEDOM LENDING LLC
<br />Lender is a LIMITED LIABILITY COMPANY organized
<br />and existing under the laws of NEBRASKA
<br />Lender's address is 10822 OLD MILL ROAD, SUITE 7, OMAHA, NEBRASKA 68154
<br />(D) "Trustee" is FIRST AMERICAN TITLE INSURANCE COMPANY
<br />1055 N. 115 ST. STE. 300, OMAHA, NEBRASKA 68154
<br />(E) "MFRS" 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 APR L 6, 2 0 0 4
<br />The Note states that Borrower owes Lender SEVENTY - TWO THOUSAND AND 0 0 / 10 0
<br />Dollars (U.S. $ 72 , 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 />MAY 1, 2034
<br />(G) "Property" means the property that is described below under the heading "Transfer of Rights in the Property."
<br />(II) "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 />® Adjustable Rate Rider
<br />❑
<br />Condominium Rider
<br />❑ Second Home Rider
<br />❑ Balloon Rider
<br />❑
<br />Planned Unit Development Rider
<br />® Other(s) [specify]
<br />❑ 1 -4 Family Rider
<br />❑
<br />Biweekly Payment Rider
<br />PREPAYMENT RIDER TO
<br />SECURITY INT
<br />(.n "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and
<br />administrativd rules and orders (that have the effect of law) as well as all applicable final, non - appealable judicial
<br />opinions.
<br />NEBRASKA -- Single Family -- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT - MERS DOCMagiCAeFMMW 800- 649 -1362
<br />Form 3028 1/01 Page 1 of 10 www.docmagic.com
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