{"meta":{"key":"s_ne--pass-27","task":"S_NE","title":"SNE Nebraska residential deed-of-trust nonjudicial trustee sale","parent_title":"Nebraska debt and debt relief law","edition":"pass-27","path":"/research/s_ne--pass-27/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":12,"claims":60,"sources":25,"review_status":"four_bounded_statutory_case_federal_source_groups_required","review_complete":true,"sha256":"90811a5036ce75c389ce2c33b43df782c1684a35b718b4de6845c2acb2b6602d","headings":["Executive determination","A1. Actor and authority matrix","A2. Eligible trustee","A3. Express power of sale","A4. Successor trustee","A5. Beneficial assignment and account linkage","A6. Owner occupancy","B1. Master state timeline","B2. Notice of default","B3. No general Nebraska acceleration notice beyond the statute and contract","C1. Statutory reinstatement","C2. Trustee-fee cap formula","C3. Actual tender is required","C4. Cancellation of default notice after cure","C5. Full payment after the reinstatement window","D1. Recipient matrix","D2. Recorded request requirements","D3. Sale publication","D4. Calendar method","E1. Postponement","Bounded comparison","E2. Failed purchaser payment","E3. Cancellation","F1. Auction and bidding","F2. Payment","F3. Termination of trustor rights and no post-sale redemption","F4. Trustee deed","F5. Interest conveyed","F6. Defect categories","F7. Proceeds priority","Hypothetical proceeds arithmetic","F8. Deficiency boundary","G1. Ordinary Nebraska homestead","G2. Married-person signature and acknowledgment","G3. Purchase-money exception","G4. Agricultural and Farm Homestead Protection Act branch","H1. Proper court and equitable relief","H2. Injunction security","H3. Pre-sale versus post-sale position","H4. Prejudice","H5. Complaints, disputes, and negotiations","H6. Due process and state action","I1. Regulation X coverage","I2. Early intervention","I3. First foreclosure notice or filing","I4. Acknowledgment and completeness","I5. Complete application before first filing","I6. Complete application after first filing","I7. Evaluation and appeal","I8. Incomplete application and short-term agreement","I9. Duplicative requests and small servicers","I10. Regulation X does not itself rewrite Nebraska title rules","J1. Bankruptcy","J2. Servicemembers Civil Relief Act","Example 1 — successor trustee authority not recorded","Example 2 — default and election facts unknown","Example 3 — owner occupancy and spouse interest ambiguous","Example 4 — required recipient and address unknown","Example 5 — timely reinstatement with unknown fees","Example 6 — postponed sale"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NE/pass-27","facets":{"geography":["us","us-ne"],"debt_type":["mortgage"],"stage":["foreclosure"],"subject":["foreclosure-repossession"]},"scope":"Independent requiredsector6 residentialdeedoftrustnonjudicialtrusteesale; onlyafterNE26complete/saved; unreviewedfoundationfindingsnotpremises","pending_corrections":0},"markdown":"# S_NE PASS-27 — Nebraska residential deed-of-trust nonjudicial trustee sale\n\n**Actual fresh research date:** October 26, 2026, Pacific / October 26, 2026 UTC\n**Mode:** Regular Chat\n**Status:** Focused secured-debt sector component for later coordinator review; **not independent review**.\n\nThis pass addresses Nebraska’s **nonjudicial power-of-sale process under a deed of trust** securing residential consumer mortgage debt. It covers creation and recording of the trust deed, trustee and beneficiary authority, substitution, default, notice, statutory reinstatement and payoff, sale publication and postponement, bidding, deed delivery, title consequences, proceeds, challenges, homestead and spouse boundaries, and the necessary federal Regulation X, bankruptcy, and SCRA gates.\n\nPASS-26 and prior judgment, execution, arbitration, and provider passes remain unreviewed and are not treated as accepted premises. Every material state and federal rule used below was freshly read for this pass.\n\nThis is not a judicial-foreclosure, deficiency-amount, eviction, bankruptcy, servicing-remedies, tax-lien, HOA-lien, agricultural-foreclosure, tribal, or foreign-country dossier.\n\n## Executive determination\n\nNebraska authorizes two distinct ways to enforce a deed of trust:\n\n1. **Nonjudicial sale** through the trustee’s expressly granted power of sale under the Nebraska Trust Deeds Act; or\n2. **Judicial foreclosure** in the manner applicable to real-estate mortgages.\n\nThe two processes cannot be blended. A Nebraska nonjudicial sale does not require a foreclosure decree or judicial confirmation, but every material statutory predicate must be satisfied. [Nebraska Legislature+2](https://nebraskalegislature.gov/laws/statutes.php?statute=76-1005)\n\nThe ordinary state-law sequence is:\n\nPlain text\n```\nValid trust deed with express power of sale\n        ↓\nQualified trustee or properly recorded successor trustee\n        ↓\nActual secured default and beneficiary authority\n        ↓\nNotice of default recorded in every property county\n        ↓\nDefault notice mailed to deed parties and proper recorded requesters\n        ↓\nAt least 1 month before notice of sale\n        ↓\nSale notice published 5 times over 5 consecutive weeks\n        ↓\nSale notice mailed at least 20 days before sale\n        ↓\nPublic auction between 9 a.m. and 5 p.m.\n        ↓\nHighest bid accepted\n        ↓\nTrustor’s rights terminate; no ordinary post-sale redemption\n        ↓\nPurchaser pays; trustee executes and delivers deed\n        ↓\nProceeds distributed by statutory priority\n```\n\nNebraska’s statutory reinstatement period ordinarily lasts **one month from recordation of the notice of default**, not one month from the borrower’s receipt. A qualifying agricultural/farm branch uses two months. Reinstatement requires actual tender of the statutorily required amount; willingness, negotiations, a partial payment, or a request for a payoff is not itself cure. [Nebraska Legislature+4](https://nebraskalegislature.gov/laws/statutes.php?statute=76-1006)\n\nThe Trust Deeds Act does not automatically require mail notice to every occupant or every junior lienholder. It requires notice to:\n\n- parties to the deed at the addresses shown there;\n- persons who recorded a statutorily compliant request before recordation of the default notice; and\n- by publication, the trustor when the deed lacks the trustor’s address and the trustor recorded no request.\n\nA junior lienholder that did not properly identify the senior trust deed in its request was not entitled to senior-sale notice in *First Nebraska Educators Credit Union*. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=76-1008)\n\nA valid Nebraska trustee’s deed conveys without a right of redemption, and the trustor’s rights terminate when the trustee or trustee’s attorney accepts the highest bid—not when the deed is later recorded. The statute contains no ordinary residential post-sale redemption period. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=76-1010)\n\nFederal law can independently prevent Nebraska’s state steps from occurring when its own coverage predicates are met. For a covered principal-residence mortgage and nonexempt servicer:\n\n- the first state foreclosure notice or filing generally cannot occur until the loan is more than 120 days delinquent;\n- a timely complete loss-mitigation application can block that first filing;\n- a complete application submitted more than 37 days before sale can block the sale; and\n- a complete application submitted 90 days or more before sale can trigger an appeal right.\n\nBecause Nebraska’s notice of default is the earliest document required to be recorded to initiate the power-of-sale process, it is the likely Regulation X “first notice or filing.” That conclusion is a source-supported application of the CFPB’s official interpretation to Nebraska procedure, not language appearing verbatim in either source. [Nebraska Legislature+2](https://nebraskalegislature.gov/laws/statutes.php?statute=76-1006)\n\n# A. Parties, instrument, authority, and recording\n\n## A1. Actor and authority matrix\n\n| Actor | Nebraska statutory role | Required authority | Material failure or hold |\n| --- | --- | --- | --- |\n| **Trustor** | Conveys real property to trustee as security for an obligation | Actual ownership or transferable interest; executed trust deed | A borrower, title owner, obligor, and trustor may not always be the same person |\n| **Beneficiary** | Person for whose benefit the trust deed is given, or successor | Actual beneficial interest in secured obligation | Servicer label, payment address, or unrecorded database entry alone does not prove present authority |\n| **Trustee** | Holds statutory title and exercises power of sale | Must fall within §76-1003’s eligible categories | Disqualified trustee cannot cure the defect merely by being named in the instrument |\n| **Successor trustee** | Replaces prior trustee | Recorded substitution in every county containing trust property | Authority begins on recording; incomplete party, legal-description, or beneficiary execution facts remain material |\n| **Servicer** | May act administratively for beneficiary | Actual servicing or agency authority | Servicer is not automatically beneficiary or trustee |\n| **Attorney for trustee** | May record default, give notices, conduct sale | Authority from trustee and compliance with Act | Attorney does not become beneficiary by conducting the sale |\n| **Junior lienholder** | Potential notice recipient and proceeds claimant | Proper recorded notice request; valid lien and priority | A request in its own junior deed may be insufficient unless it properly identifies the senior deed |\n| **Spouse** | May have homestead-signature and ownership rights | Actual marriage, homestead status, title or statutory interest | Spouse is not necessarily a party to the note or trust deed |\n| **Purchaser** | Highest bidder acquiring trustor’s interest through trustee deed | Successful bid and payment | Purchaser takes subject to senior or separately surviving interests and record-notice risks |\n\nThe Trust Deeds Act defines a trust deed as a deed conveying real property to a trustee to secure performance of an obligation owed by the grantor or another named person. It can secure existing debt, contemporaneous debt, protective advances, optional future advances, and another person’s obligation. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=76-1001)\n\n## A2. Eligible trustee\n\nThe trustee must be one of the following:\n\n- a Nebraska lawyer;\n- a Nebraska-licensed real-estate broker;\n- an authorized bank, savings institution, credit union, or specified USDA lending agency;\n- an authorized trust corporation; or\n- an authorized title insurer.\n\nA beneficiary cannot simultaneously serve as trustee unless it qualifies under the specified bank or trust-company branches. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=76-1003)\n\n## A3. Express power of sale\n\nNonjudicial sale is unavailable unless the trust deed **expressly** confers the power of sale. A secured instrument without that express power may still support another lawful enforcement route, but not the Nebraska Trust Deeds Act’s power-of-sale procedure merely by implication. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=76-1005)\n\n## A4. Successor trustee\n\nThe beneficiary may appoint a successor trustee at any time by recording a substitution in every county containing some part of the trust property. The substitution must identify:\n\n- the original deed parties;\n- the recording date;\n- the complete legal description;\n- the recording book/page or computer reference;\n- the new trustee; and\n- execution and acknowledgment by all beneficiaries or their successors.\n\nThe successor acquires all trustee powers, duties, authority, and title **from recordation**. Although §76-1004 still prints older affidavit language, the current operative subsections state that no such affidavit has been required since April 3, 1997, and no notice to the replaced trustee has been required since March 4, 2010. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=76-1004)\n\n## A5. Beneficial assignment and account linkage\n\nThe transfer of the secured debt transfers the security. Assignments of beneficial interests are recordable, and recording gives notice to third parties. But recording an assignment does not itself notify the trustor so as to invalidate payments made to the holder of the note or obligation. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=76-1016)\n\nThe resulting bounded rule is:\n\nAbsence of a recorded assignment does not by itself prove that the beneficiary lacks the secured debt, and a recorded assignment does not by itself prove the complete current account, servicing, or agency chain.\n\nActual authority can require:\n\n- the note or obligation;\n- assignment documents;\n- merger or succession documents;\n- servicing authority;\n- account-level linkage;\n- trustee substitution; and\n- evidence of the current default.\n\nNo private records were available here.\n\n## A6. Owner occupancy\n\nThe Nebraska Trust Deeds Act itself is not limited to owner-occupied or consumer real estate. Owner occupancy becomes material principally through:\n\n- Nebraska homestead and spousal-signature law;\n- Regulation X’s principal-residence limitation;\n- consumer-mortgage contract provisions; and\n- federal bankruptcy or servicemember protections.\n\n# B. Nebraska state-law process\n\n## B1. Master state timeline\n\n| Stage | Required event | Relative timing | Actor |\n| --- | --- | --- | --- |\n| 1 | Express power of sale in trust deed | Instrument creation | Trustor/beneficiary |\n| 2 | Trustee qualification and any substitution recorded | Before successor exercises authority | Beneficiary/successor trustee |\n| 3 | Secured breach/default and election to sell | Before default notice | Beneficiary/trustee |\n| 4 | Notice of default recorded in every property county | Day 0 | Trustee or trustee’s attorney |\n| 5 | Default notice mailed to deed parties and recorded requesters | Within 10 days after recordation | Trustee, beneficiary, or attorney |\n| 6 | Trustor-address publication, if statutory fallback applies | Begins within 10 days after recordation | Trustee/beneficiary/attorney |\n| 7 | Ordinary reinstatement window | Within 1 month after recordation | Trustor or qualifying junior interest |\n| 8 | Earliest state notice of sale | After not less than 1 month | Trustee or trustee’s attorney |\n| 9 | Sale publication | At least 5 times, weekly for 5 consecutive weeks | Trustee or attorney |\n| 10 | Last publication | 10–30 days before sale | Trustee or attorney |\n| 11 | Sale notice mailed | At least 20 days before sale | Trustee or attorney |\n| 12 | Public auction | 9 a.m.–5 p.m.; statutory location | Trustee or attorney |\n| 13 | Trustor’s interests terminate | Acceptance of highest bid | Trustee or attorney |\n| 14 | Purchaser pays; deed delivered | “Forthwith,” meaning reasonable time under circumstances | Purchaser/trustee |\n| 15 | Proceeds distributed | After completed sale | Trustee |\n\nNebraska’s ordinary process has no court complaint, foreclosure judgment, decree of sale, or confirmation hearing. The beneficiary can instead elect judicial foreclosure, but that is a different route. [Nebraska Legislature+2](https://nebraskalegislature.gov/laws/statutes.php?statute=76-1005)\n\n## B2. Notice of default\n\nBefore exercising the power of sale, the trustee or trustee’s attorney must record a notice of default in each county where any part of the trust property is situated.\n\nThe notice must identify:\n\n- the trustor named in the deed;\n- the deed’s book/page or computer reference;\n- the property;\n- the fact that a secured obligation was breached;\n- the nature of the breach; and\n- the election to sell or cause the property to be sold.\n\nThe trustee cannot give the sale notice until at least one month has elapsed after recordation. Qualifying farm property uses two months and requires additional debt and cure disclosures. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=76-1006)\n\n## B3. No general Nebraska acceleration notice beyond the statute and contract\n\nThe Act requires the default notice to describe the breach and election to sell. For ordinary nonfarm property, it does not require the notice itself to state:\n\n- the full unpaid principal;\n- per-diem interest;\n- the unaccelerated balance;\n- a detailed reinstatement calculation; or\n- a narrative explanation of §76-1012.\n\n*Cardenas* rejected an argument that §76-1012 added content requirements beyond §76-1006. Contractual notice or acceleration conditions remain separate and cannot be inferred without the actual note and trust deed. [Nebraska.gov+1](https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00010563PUB)\n\n# C. Reinstatement, cure, and payoff\n\n## C1. Statutory reinstatement\n\nThe following persons may reinstate:\n\n- the trustor;\n- the trustor’s successor in the trust property;\n- a person with a subordinate recorded lien or encumbrance; or\n- the beneficiary of a subordinate deed of trust.\n\nOrdinarily, reinstatement must occur within **one month after the default notice is filed for record**. Qualifying farm-property notices use two months. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=76-1012)\n\nThe required amount is:\n\nPlain text\n```\nInstallments, interest, taxes, insurance,\nassessments, protective advances, and other amounts\nthat would be due without acceleration\n+\nactual enforcement costs and expenses\n+\nactual trustee fees, capped at:\n    greater of $50\n    or 0.5% of the entire unpaid principal\n```\n\nThe accelerated principal that would not otherwise be due is excluded during this reinstatement window. Successful reinstatement cures the default and restores the obligation as if no acceleration occurred. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=76-1012)\n\n## C2. Trustee-fee cap formula\n\nLet:\n\nPlain text\n```\nU = entire unpaid principal\nF_actual = trustee fees actually incurred\nF_cap = max($50, 0.005 × U)\n\nAllowed reinstatement trustee fee\n= min(F_actual, F_cap)\n```\n\nExample:\n\nPlain text\n```\nU = $180,000\n0.005 × $180,000 = $900\nF_cap = greater of $50 and $900 = $900\n```\n\nIf actual trustee fees incurred are $600, the allowed amount under this branch is $600—not $900. If actual fees are $1,200, the statutory cap is $900. The remaining cure amount cannot be computed without the actual arrears, advances, and enforcement ledger.\n\n## C3. Actual tender is required\n\n*Cardenas* held that a trustor’s willingness or desire to cure does not satisfy §76-1012. The statute requires actual payment or tender of the amount required. [Nebraska.gov](https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00010563PUB)\n\nThus, none of the following alone is statutory reinstatement:\n\n- a telephone call;\n- a written dispute;\n- a request for a reinstatement quote;\n- a partial payment;\n- a regulator complaint;\n- an incomplete loss-mitigation application; or\n- an unsigned proposed agreement.\n\n## C4. Cancellation of default notice after cure\n\nAfter valid reinstatement, the beneficiary or assignee must, on demand by an interested person, request that the trustee execute and deliver a cancellation of the recorded default notice. Refusal for 30 days after demand can create liability for resulting damages. Section 76-1012 contains a substantial statutory cancellation form. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=76-1012)\n\n## C5. Full payment after the reinstatement window\n\nAt any time after breach and **before sale**, a qualifying person may pay the entire amount then due. The beneficiary may collect actual enforcement costs and trustee fees, costs, and expenses, up to the amount provided in the deed or secured obligation. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=76-1012)\n\nThis branch differs from reinstatement:\n\n| Branch | Principal required | Timing | Effect |\n| --- | --- | --- | --- |\n| **§76-1012(1) reinstatement** | Excludes principal not otherwise due absent acceleration | Within 1 month after recordation; 2 months for qualifying farm notice | Restores obligation as if no acceleration |\n| **§76-1012(2) pre-sale payment** | Entire amount then due under the deed and obligation | Any time after breach but before sale | Pays the obligation due; not the same statutory reinstatement formula |\n\nWhether “entire amount then due” is the full accelerated balance depends on the actual contract, acceleration, notices, and default facts.\n\n# D. Notice recipients and methods\n\n## D1. Recipient matrix\n\n| Recipient | Default notice | Sale notice | Condition |\n| --- | --- | --- | --- |\n| Party to the trust deed | Registered or certified mail within 10 days after default notice recordation | Registered or certified mail at least 20 days before sale | Sent to address shown in deed |\n| Person who recorded compliant notice request | Same | Same | Request recorded before default notice and correctly identifies the deed |\n| Junior lienholder with no compliant request | Not automatically required by §76-1008 | Not automatically required by §76-1008 | Other law or actual party status may change result |\n| Trustor whose deed has no address and who recorded no request | Default notice published 3 times, weekly for 3 consecutive weeks, beginning within 10 days | Sale publication under §76-1007 still applies | Statutory fallback |\n| Occupant not a party and without recorded request | No general Trust Deeds Act mail right verified | No general Trust Deeds Act mail right verified | Other federal, tenancy, contract, or due-process law held |\n| Spouse who signed as party | Mail rights as deed party | Mail rights as deed party | Address shown in deed |\n| Spouse who did not sign | Not automatically a deed party | Not automatically a deed party | Validity of homestead encumbrance may be the more fundamental issue |\n\n## D2. Recorded request requirements\n\nA notice request must identify:\n\n- the original deed parties;\n- recording date;\n- book/page or computer-system reference;\n- requester’s name and address; and\n- the deed under which notice is sought.\n\nIn *First Nebraska Educators*, a junior lender’s generic request in its own deed left the senior-deed identifying information blank. The Nebraska Supreme Court held that the senior beneficiary was not required to send it the foreclosure notice. [Justia Law](https://law.justia.com/cases/nebraska/supreme-court/2016/s-15-617.html)\n\n## D3. Sale publication\n\nThe sale notice must:\n\n- particularly describe the property;\n- state the time and place;\n- be published at least five times;\n- appear once a week for five consecutive weeks;\n- have its final publication at least 10 but no more than 30 days before sale; and\n- be published in a newspaper of general circulation in every county containing part of the property.\n\nThe sale must occur between 9 a.m. and 5 p.m. at the premises, the county courthouse, or a public building containing one or more county offices in the county containing some part of the property. Section 76-1007 contains a statutory substantial form. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=76-1007)\n\n## D4. Calendar method\n\nThe Trust Deeds Act uses:\n\n- one month or two months;\n- days;\n- weeks;\n- and consecutive weekly publications.\n\nIt does not supply a complete separate holiday or weekend computation rule for every trustee-sale event. No actual date is calculated in this pass because the recordation date, mailing date, publication dates, sale date, and governing computation facts are unknown.\n\n# E. Postponement, cancellation, and renotice\n\n## E1. Postponement\n\nThe sale may be postponed for any cause the person conducting it deems expedient.\n\nThe postponement must be declared publicly at the time and place last appointed for sale and must state the new:\n\n- date;\n- time; and\n- place.\n\nNo other notice is required if the new sale is no more than 45 days beyond the originally noticed sale date. A postponement longer than 45 days requires the same notice as the original sale. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=76-1009)\n\n### Bounded comparison\n\nPlain text\n```\nOriginal sale date + 45 days:\npublic declaration can be sufficient\n\nOriginal sale date + 46 days:\nfull original notice process required\n```\n\nThis is relative arithmetic only; no calendar endpoint is computed.\n\n## E2. Failed purchaser payment\n\nIf the purchaser refuses to pay the bid:\n\n- the trustee may resell;\n- the complete original notice process must be repeated;\n- the defaulting bidder is liable for resulting loss; and\n- the trustee may reject later bids from that bidder. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=76-1009)\n\n## E3. Cancellation\n\nThe Trust Deeds Act contains a statutory cancellation form for a recorded default notice after cure. A mere private statement that a sale is “on hold” does not itself establish cancellation of the recorded default notice, satisfaction, or termination of the power-of-sale proceeding.\n\n# F. Auction, payment, deed, title, and proceeds\n\n## F1. Auction and bidding\n\nThe trustee sells at public auction to the highest bidder. Any person, including the beneficiary, may bid, and every bid is irrevocable. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=76-1009)\n\nThe statute expressly authorizes the beneficiary to bid but does **not** expressly describe a “credit bid” accounting mechanism. Whether the beneficiary may offset its secured claim against the price, and the documentation required, remain held absent the instrument, sale terms, trustee accounting, and controlling case authority.\n\n## F2. Payment\n\nThe purchaser must pay the price “forthwith.” Nebraska interprets “forthwith” as payment within a reasonable time under the circumstances, not necessarily instantaneous tender at the auction microphone. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=76-1010)\n\n## F3. Termination of trustor rights and no post-sale redemption\n\nWhen the highest bid is accepted:\n\n- the trustor’s rights and the rights of successors and persons claiming through the trustor are deemed terminated;\n- the trustee deed conveys without a right of redemption; and\n- later deed recording is not the statutory termination point.\n\nNebraska’s ordinary residential Trust Deeds Act contains no post-sale statutory redemption period. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=76-1010)\n\n## F4. Trustee deed\n\nUpon receipt of payment, the trustee executes and delivers the deed. The Act does not require a separate statutory certificate of sale.\n\nThe deed may recite compliance with:\n\n- default-notice mailing, delivery, and publication;\n- sale-notice mailing, publication, and posting; and\n- conduct of the sale.\n\nThose recitals are:\n\n- prima facie evidence generally; and\n- conclusive in favor of a bona fide purchaser or encumbrancer for value without notice. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=76-1010)\n\nThe trustee deed is recordable, and recording imparts notice. Delivery is the conveyancing event stated in §76-1010; recordation serves the public-notice and title-record function. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=76-1017)\n\n## F5. Interest conveyed\n\nThe trustee deed conveys:\n\n- the trustee’s title;\n- the trustor’s interests;\n- interests acquired by the trustor after execution of the trust deed; and\n- interests of persons claiming by, through, or under the trustor.\n\nIt does not automatically extinguish a valid senior interest or convey property the trustor never owned.\n\nIn *Klein*, the Nebraska Supreme Court applied record-notice and caveat-emptor principles to a trustee-sale purchaser that failed to investigate recorded tax deeds. A trustee sale does not guarantee clean title against all independent recorded interests. [Nebraska.gov+2](https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00010018PUB)\n\n## F6. Defect categories\n\n*Gilroy* classifies sale defects as:\n\n| Defect category | Effect |\n| --- | --- |\n| **Void** | No title passes; relief can remain available even after transfer to a bona fide purchaser |\n| **Voidable** | Bare legal title passes; claimant must show defect and prejudice, and set-aside relief is lost once title reaches a protected bona fide purchaser |\n| **Inconsequential** | Does not support setting aside the sale |\n\nExamples of potentially void defects are rare and involve a fundamental absence of statutory power, such as no default, forgery, no required beneficiary request, or another egregious failure going to the authority to sell. The classification remains fact specific. [Justia Law+4](https://law.justia.com/cases/nebraska/supreme-court/2003/487-1.html)\n\n## F7. Proceeds priority\n\nThe trustee applies sale proceeds in this order:\n\nPlain text\n```\n1. Sale and power-of-sale costs and expenses,\n   including trustee fees actually incurred\n   up to the amount provided in the deed\n\n2. Secured obligation\n\n3. Junior trust deeds, mortgages, and other liens\n\n4. Remaining balance to the legally entitled person\n```\n\nAttorney fees and costs incurred in distributing the proceeds are deducted before payment to junior lienholders or surplus recipients. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=76-1011)\n\nIf uncertainty or an objection prevents distribution, an interpleader, declaratory-judgment, or similar action may be used. A party that objects without a good-faith reason can be ordered to pay a prevailing lienholder’s reasonable attorney fees and costs. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=76-1011.01)\n\n### Hypothetical proceeds arithmetic\n\nAssume:\n\nPlain text\n```\nSale proceeds                           $300,000\nActual sale/trustee costs                -8,000\n                                        --------\nNet after first priority                $292,000\n\nSecured obligation                     -220,000\n                                        --------\nRemaining                                $72,000\n\nValid junior lien                       -40,000\n                                        --------\nPotential surplus                        $32,000\n```\n\nThe $32,000 result assumes every amount and priority is valid. It does not prove actual entitlement, costs, payoff, lien validity, or ownership.\n\n## F8. Deficiency boundary\n\nA deficiency action after a Nebraska trustee sale must be commenced within three months, and the court must determine fair market value. The recoverable deficiency is subject to the statutory fair-value limitations. The 2026 *American Exchange Bank v. Topp* decision confirms the importance and nonwaivable public-policy role of those limitations. Full deficiency computation and guaranty treatment remain a later component. [Nebraska Legislature+3](https://nebraskalegislature.gov/laws/statutes.php?statute=76-1013)\n\n# G. Homestead, spouse, and agricultural boundaries\n\n## G1. Ordinary Nebraska homestead\n\nA valid consensual deed of trust on a homestead is within the statutory exception to ordinary homestead exemption when executed and acknowledged by the claimant as required. Nebraska’s general judgment-homestead protection therefore does not immunize a home from enforcement of its own valid mortgage or deed of trust. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=40-103)\n\n## G2. Married-person signature and acknowledgment\n\nA married person’s homestead generally cannot be conveyed or encumbered unless both spouses execute and acknowledge the instrument, subject to statutory conservator and power-of-attorney branches. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=40-104)\n\nA spouse-signature defect can be fundamental, but the following remain necessary:\n\n- whether the property was a homestead when the instrument was signed;\n- marital status;\n- actual signatures and acknowledgments;\n- authority under any power of attorney or conservatorship;\n- purchase-money status;\n- title;\n- occupancy; and\n- applicable assertion deadlines.\n\n## G3. Purchase-money exception\n\nA purchase-money deed of trust given as part of the acquisition transaction is treated differently. In *Mutual of Omaha Bank v. Watson*, the Nebraska Supreme Court held that a homestead claim did not defeat the purchase-money security interest and that the nonsigning-spouse rule did not invalidate the simultaneously given purchase-money security interest on those facts. [Nebraska.gov+2](https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00010306PUB)\n\n## G4. Agricultural and Farm Homestead Protection Act branch\n\nThe ordinary residential rule must not be confused with Nebraska’s Farm Homestead Protection Act.\n\nThat separate Act applies only when detailed agricultural predicates exist, including:\n\n- more than 20 acres;\n- outside an incorporated city or village;\n- individual ownership;\n- owner farming use during the preceding three years;\n- a proper homestead designation; and\n- specified lien-priority conditions.\n\nFor a qualifying nonjudicial trust sale, a trustor may file a sworn district-court redemption petition within two months after recordation of the default notice and must supply a credentialed appraisal. Filing does not prevent sale of the nonhomestead portion. [Nebraska Legislature+3](https://nebraskalegislature.gov/laws/statutes.php?statute=76-1902)\n\nAn ordinary owner-occupied city residence does not acquire this two-month agricultural redemption process merely because the borrower calls it a “homestead.”\n\n# H. Challenges, stays, and injunctions\n\n## H1. Proper court and equitable relief\n\nNebraska district courts have general original civil and equity jurisdiction. Nebraska cases challenging trustee sales were brought in district court as equitable actions. [Nebraska Legislature+2](https://nebraskalegislature.gov/laws/statutes.php?statute=24-302&utm_source=chatgpt.com)\n\nThe Trust Deeds Act does not contain a stand-alone administrative objection process that automatically suspends sale. A pre-sale challenge generally requires actual judicial relief, such as a temporary restraining order or injunction, obtained in a court with jurisdiction.\n\n## H2. Injunction security\n\nUnless a special statute provides otherwise, a Nebraska injunction generally does not operate until the applicant provides a court-approved undertaking securing damages if the injunction should not have been granted. The amount is fixed by the court. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=25-1067&utm_source=chatgpt.com)\n\nNo universal bond amount can be stated without an actual order.\n\n## H3. Pre-sale versus post-sale position\n\n| Stage | Available issue | Consequence |\n| --- | --- | --- |\n| Before sale | Authority, default, notices, federal bar, spouse signature, cure, contract predicates | Injunction or other court relief can prevent sale if established |\n| After notice but before auction | Same, plus publication and postponement defects | Sale can still be stopped only through actual cure, agreement, cancellation, or judicial/federal stay |\n| After highest bid but before deed transfer to BFP | Gilroy void/voidable analysis | Voidable sale may still be set aside if defect and prejudice established |\n| After transfer to protected BFP | Only void defects generally survive | Trustee-deed recitals and BFP protection substantially narrow relief |\n| After sale for ordinary trust deed | No state statutory redemption | Damages, title relief, or set-aside depends on actual defect category and purchaser status |\n\n## H4. Prejudice\n\nA procedural defect does not invariably void the sale. Under *Gilroy*, a claimant attacking a voidable sale must show both:\n\n- the statutory defect; and\n- prejudice caused by that defect.\n\nAn inconsequential irregularity does not support setting aside the sale. [Justia Law+1](https://law.justia.com/cases/nebraska/supreme-court/2003/487-1.html)\n\n## H5. Complaints, disputes, and negotiations\n\nThe following do not automatically stay a Nebraska trustee sale:\n\n- a borrower’s telephone complaint;\n- a regulator complaint;\n- a dispute over the balance;\n- a request for records;\n- a partial payment;\n- settlement negotiations;\n- a proposed modification;\n- an incomplete loss-mitigation application; or\n- a request that the trustee postpone.\n\nAn actual contract, accepted forbearance, statutory cure, Regulation X prohibition, bankruptcy stay, SCRA order, or court injunction can create a different result.\n\n## H6. Due process and state action\n\nThe Nebraska Trust Deeds Act provides a private power-of-sale mechanism. *Blair Company* upheld the Act against a Nebraska constitutional enactment challenge; it did not decide that every private trustee sale constitutes governmental state action under the Fourteenth Amendment. [Justia Law](https://law.justia.com/cases/nebraska/supreme-court/1969/37209-1.html)\n\nNo controlling Nebraska, Eighth Circuit, or U.S. Supreme Court opinion was located in this bounded public search holding that every private Nebraska deed-of-trust sale is state action. A federal due-process theory therefore remains held pending the precise actor, governmental involvement, and claimed deprivation facts.\n\n# I. Necessary federal foreclosure gates\n\n## I1. Regulation X coverage\n\nSections 1024.39 through 1024.41 apply only to a mortgage loan secured by the borrower’s **principal residence**. “Mortgage loan” means a federally related mortgage loan subject to the listed exemptions and excludes open-end home-equity plans. [eCFR+1](https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.30)\n\nThe following are generally exempt from §§1024.38 through 1024.41, except as otherwise provided in §1024.41(j):\n\n- small servicers;\n- reverse-mortgage servicers; and\n- qualifying Farm Credit lenders. [eCFR](https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.30)\n\nCoverage therefore requires the actual:\n\n- loan type;\n- principal-residence status;\n- servicer;\n- small-servicer status;\n- owner/assignee;\n- servicing transfer history;\n- delinquency date; and\n- application record.\n\n## I2. Early intervention\n\nFor a covered loan and servicer, the servicer generally must:\n\n- establish or make good-faith efforts to establish live contact by the 36th delinquency day and after later due dates while delinquency continues; and\n- provide the prescribed written notice by the 45th delinquency day, subject to the regulation’s frequency and bankruptcy/FDCPA exceptions. [eCFR](https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.39)\n\nThese notices do not themselves cure the loan or replace Nebraska’s default notice.\n\n## I3. First foreclosure notice or filing\n\nA servicer generally cannot make the first notice or filing required by state foreclosure law unless:\n\n- the loan is more than 120 days delinquent;\n- foreclosure is based on a due-on-sale violation; or\n- the servicer is joining another lienholder’s foreclosure. [eCFR](https://www.ecfr.gov/current/title-12/chapter-X/part-1024/section-1024.41)\n\nThe CFPB’s official interpretation says that in a nonjudicial power-of-sale state, the first notice or filing is the earliest document that state law requires to be recorded or published to initiate foreclosure. Nebraska requires recordation of the §76-1006 notice of default before the power can be exercised.\n\n**Inference:** For an ordinary Nebraska trustee sale, the recorded notice of default is the likely Regulation X first notice or filing. [Nebraska Legislature+2](https://nebraskalegislature.gov/laws/statutes.php?statute=76-1006)\n\n## I4. Acknowledgment and completeness\n\nIf a servicer receives a loss-mitigation application 45 days or more before sale, it generally must review it promptly and send a written acknowledgment within five days, excluding Saturdays, Sundays, and legal public holidays, stating whether it is complete and identifying missing information. [eCFR](https://www.ecfr.gov/current/title-12/chapter-X/part-1024/section-1024.41)\n\nA complete application is one for which the servicer has received all information required to evaluate the available options. The servicer must exercise reasonable diligence to obtain information needed for completeness. [eCFR](https://www.ecfr.gov/current/title-12/chapter-X/part-1024/section-1024.41)\n\n## I5. Complete application before first filing\n\nA timely complete application submitted before the first notice or filing generally blocks that first filing until:\n\n- the borrower is denied and any applicable appeal is exhausted or not timely requested;\n- the borrower rejects all offered options; or\n- the borrower fails to perform under an accepted option. [eCFR](https://www.ecfr.gov/current/title-12/chapter-X/part-1024/section-1024.41)\n\n## I6. Complete application after first filing\n\nA complete application submitted after the first filing but **more than 37 days before sale** generally bars the servicer from conducting the sale until the same denial, rejection, or nonperformance branches occur. The servicer can continue intermediate state-law steps, including publication, so long as those steps do not cause the sale to occur in violation of the federal rule. [eCFR+1](https://www.ecfr.gov/current/title-12/chapter-X/part-1024/section-1024.41)\n\nAn application submitted 37 days or fewer before sale does not receive the same §1024.41 sale prohibition, although other contractual, investor, state, bankruptcy, or federal requirements may still matter. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1024/41)\n\n## I7. Evaluation and appeal\n\nFor a complete application received more than 37 days before sale, the servicer generally must evaluate all available options and issue its written determination within 30 days. [eCFR](https://www.ecfr.gov/current/title-12/chapter-X/part-1024/section-1024.41)\n\nIf the complete application is received:\n\n- 90 days or more before sale; or\n- during the preforeclosure period before the first filing,\n\nthe borrower generally receives 14 days to appeal a loan-modification denial, and the servicer must decide the appeal within 30 days using different personnel. [eCFR](https://www.ecfr.gov/current/title-12/chapter-X/part-1024/section-1024.41)\n\n## I8. Incomplete application and short-term agreement\n\nAn incomplete application does not ordinarily create the full dual-tracking protections. But if the servicer offers a short-term forbearance or repayment plan based on an incomplete application and the borrower performs, the servicer cannot make the first filing or conduct the sale while performance continues. [eCFR](https://www.ecfr.gov/current/title-12/chapter-X/part-1024/section-1024.41)\n\n## I9. Duplicative requests and small servicers\n\nA servicer need not repeat the full §1024.41 process when it previously complied for a complete application and the borrower remained continuously delinquent afterward. [eCFR](https://www.ecfr.gov/current/title-12/chapter-X/part-1024/section-1024.41)\n\nA small servicer remains subject to:\n\n- the 120-day first-filing prohibition; and\n- the prohibition against first filing or sale while the borrower is performing under a loss-mitigation agreement.\n\nIt is otherwise exempt from much of §§1024.38 through 1024.41. [eCFR+1](https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.30)\n\n## I10. Regulation X does not itself rewrite Nebraska title rules\n\nA Regulation X violation can affect whether a filing or sale was federally permitted and may support federal remedies or injunctive relief. It does not automatically answer whether a completed sale is void, voidable, or protected by a bona fide purchaser under Nebraska law. That interaction remains fact and remedy specific.\n\n# J. Bankruptcy and servicemember boundaries\n\n## J1. Bankruptcy\n\nA bankruptcy petition generally stays:\n\n- proceedings against the debtor;\n- enforcement of prepetition judgments;\n- acts to obtain possession or control of estate property;\n- acts to create, perfect, or enforce liens against estate property; and\n- collection of prepetition claims.\n\nThe Bankruptcy Code contains numerous exceptions, repeat-filing limitations, relief-from-stay procedures, and in-rem orders. Actual petition status and court orders are indispensable. [USCode](https://uscode.house.gov/us/usc/119-124/t11/s362/)\n\nA private statement that bankruptcy is “being considered” is not the statutory stay.\n\n## J2. Servicemembers Civil Relief Act\n\nFor an obligation:\n\n- originating before military service;\n- still owed by the servicemember; and\n- secured by a mortgage, trust deed, or comparable security,\n\na sale, foreclosure, or seizure during military service or within one year afterward is invalid unless:\n\n- a court entered an order before the sale and approved the return; or\n- the sale occurred under a valid statutory waiver. [GovInfo](https://www.govinfo.gov/link/uscode/50/3953)\n\nA waiver applicable to foreclosure or sale must be:\n\n- written;\n- separate from the underlying obligation;\n- executed during or after military service;\n- specific to the legal instrument and servicemember; and\n- displayed in at least 12-point type. [USCode](https://uscode.house.gov/us/usc/119-124/t50/s3918/)\n\nSCRA status, obligation origination date, material effect, waiver, and court order remain unknown.\n\n# K. Complete actor-stage matrix\n\n| Stage | Actor | Required predicate or record | Relative clock | Action | Consequence if established | Principal gap |\n| --- | --- | --- | --- | --- | --- | --- |\n| Instrument | Trustor/beneficiary | Executed deed, secured obligation, legal description, express power | Origination | Record trust deed | Statutory security and priority route | Actual instrument |\n| Trustee | Trustee | §76-1003 qualification | Before exercise | Accept duties | Can exercise statutory power | Actual licensure/status |\n| Substitution | Beneficiary | Complete recorded substitution | Before successor acts | Record in each property county | Successor gains authority | Beneficiary execution and legal description |\n| Assignment | Beneficiary/successor | Actual debt transfer and account linkage | Before enforcement | Prove beneficial interest | Security follows debt | Full chain/servicing authority |\n| Default | Beneficiary | Actual secured breach | Before notice | Elect sale | Starts state process | Account ledger and contract |\n| Federal first-filing gate | Servicer | Covered mortgage and servicer; delinquency | Usually >120 days | Permit or bar default notice | Can delay state initiation | Coverage and delinquency |\n| Default notice | Trustee/attorney | Authority, deed reference, property, breach, election | Day 0 | Record in every county | State process begins | Recording and content |\n| Mail default notice | Trustee/beneficiary/attorney | Parties and proper requesters | Within 10 days | Certified/registered mailing | Statutory notice | Recipient and address records |\n| Reinstatement | Trustor/qualifying junior | Actual tender | Within 1 month; 2 months farm | Pay arrears/costs/allowed fee | Acceleration undone; proceeding discontinued | Quote and tender proof |\n| Sale notice eligibility | Trustee/attorney | Waiting period elapsed | ≥1 month; 2 months farm | Begin sale notice | Publication permitted | Exact dates |\n| Sale publication | Trustee/attorney | Complete property/time/place notice | 5 weekly publications | Publish | Sale scheduled | Newspaper proofs |\n| Mail sale notice | Trustee/attorney | Parties and proper requesters | ≥20 days before sale | Certified/registered mailing | Statutory notice | Address/receipt evidence |\n| Reg X sale gate | Servicer | Complete application >37 days before sale | Application-date dependent | Stop or permit sale | Federal dual-tracking protection | Completeness and timing |\n| Postponement | Trustee/attorney | Public declaration at last time/place | ≤45 days or >45 days | Declare or renotice | New sale date | Actual declaration and span |\n| Auction | Trustee/attorney | All state/federal bars cleared | Noticed date, 9–5 | Highest bid accepted | Trustor rights terminate | Compliance and stays |\n| Purchaser payment | Purchaser | Successful bid | Forthwith/reasonable time | Pay bid | Trustee delivers deed | Sale terms |\n| Trustee deed | Trustee | Payment and authority | After payment | Execute/deliver | Conveys trustor’s interest | BFP and title records |\n| Proceeds | Trustee | Actual funds and lien priorities | After sale | Distribute | Costs, debt, juniors, surplus | Payoffs and objections |\n| Challenge | Trustor/interest holder | Actual defect and standing | Preferably pre-sale; post-sale category dependent | Seek injunction/set-aside | Stay, void/voidable relief, or denial | Bond, prejudice, BFP |\n| Deficiency | Beneficiary | Sale and remaining debt | Within 3 months | File court action | FMV-limited judgment | Later focused pass |\n\n# L. Primary case inventory\n\n| Decision | Facts and posture | Material holding and outcome | Source limits |\n| --- | --- | --- | --- |\n| ***First National Bank North Platte v. Cardenas*, 299 Neb. 497 (2018)** | Post-sale deficiency case involving cure and default notice | Statutory cure requires actual payment or tender; nonfarm default notice need not explain §76-1012 cure rights; affirmed in relevant part | Official PDF; printed pp.511–513/PDF indices 14–16 |\n| ***Gilroy v. Ryberg*, 266 Neb. 617 (2003)** | Equitable action to set aside trustee sale | Established void, voidable, and inconsequential defect categories; voidable relief requires prejudice and is cut off by BFP protection; sale upheld | Justia reproduction of actual opinion; reported pp.554–555, no PDF index |\n| ***First National Bank of Omaha v. Davey*, 285 Neb. 835 (2013)** | Judicial foreclosure of deed of trust followed by deficiency action | Distinguished nonjudicial trustee sale from judicial mortgage foreclosure; reversed and remanded | Official PDF; printed pp.835, 839/PDF indices 0, 4 |\n| ***American Exchange Bank v. Topp*, 321 Neb. 409 (2026)** | Guaranty action following trustee sales | Reaffirmed statutory nonjudicial route and held deficiency limitations nonwaivable as public policy; reversed and remanded | Official PDF; printed pp.409, 414–415/PDF indices 0, 5–6 |\n| ***Mutual of Omaha Bank v. Watson*, 297 Neb. 479 (2017)** | Foreclosure involving purchase-money deed and spouse/homestead issue | Valid purchase-money security not defeated by later homestead claim; spouse-signature restriction did not defeat simultaneous purchase-money security; affirmed | Official PDF; printed pp.492–493/PDF indices 13–14 |\n| ***First Nebraska Educators Credit Union v. U.S. Bancorp*, 293 Neb. 308 (2016)** | Junior lender alleged lack of senior trustee-sale notice | Junior lender was not a party to senior deed and had not recorded a compliant request; no notice duty; dismissal affirmed | Justia actual-opinion reproduction; reported pp.308–316, no PDF index |\n| ***Klein v. Oakland/Red Oak Holdings*, 294 Neb. 535 (2016)** | Trustee-sale purchaser failed to account for recorded tax deeds | Trustee sale is nonjudicial and caveat emptor applies; record notice and purchaser diligence matter; Supreme Court reversed relief favoring negligent purchaser | Official PDF; printed pp.541, 549/PDF indices 6, 14 |\n| ***Blair Company v. American Savings Company*, 184 Neb. 557 (1969)** | Constitutional challenge to Nebraska Trust Deeds Act | Upheld Act against Nebraska constitutional enactment challenge | Justia reproduction; not a federal state-action holding |\n| ***First Nebraska Educators*** and ***Gilroy*** | Notice/title cases | Trust Deeds Act is strictly construed because it changes common law | Public reproductions of actual opinions |\n\nNo complete commercial citator, unpublished-order search, or trial-docket review was performed.\n\n# M. Official forms and public guidance inventory\n\n| Official form or source | Full literal URL | Purpose and material content | Version/access limit |\n| --- | --- | --- | --- |\n| **Statutory Substitution of Trustee form** | https://nebraskalegislature.gov/laws/statutes.php?statute=76-1004 | Names new trustee; identifies trustor, beneficiary, original trustee, recording reference, and property | Current official statute; HTML, no separate downloadable form |\n| **Statutory Notice of Trustee’s Sale form** | https://nebraskalegislature.gov/laws/statutes.php?statute=76-1007 | Property, public auction, highest bidder, sale date/place, trustee | Current statute; location branch amended by 2023 LB 92 |\n| **Statutory Request for Notice form** | https://nebraskalegislature.gov/laws/statutes.php?statute=76-1008 | Requests default and sale notices; requires full senior-deed identification | Current official statute |\n| **Statutory Cancellation of Notice of Default form** | https://nebraskalegislature.gov/laws/statutes.php?statute=76-1012 | Cancels recorded default notice after valid cure | Current official statute |\n| **Nebraska Judicial Branch forms page** | https://nebraskajudicial.gov/forms | State court forms | No statewide nonjudicial trustee-sale consumer form, cure form, postponement form, or challenge form located in bounded search |\n| **CFPB Regulation X text and interpretations** | https://www.consumerfinance.gov/rules-policy/regulations/1024/41/ | Federal first-filing, loss-mitigation, appeal, and sale prohibitions | Current official Bureau interpretation page; not a Nebraska sale form |\n\nThe statutory forms are “substantial form” templates, not proof that a particular instrument, notice, mailing, publication, authority chain, or sale complies.\n\nNo county property-record lookup or local sheriff/register-of-deeds inquiry was performed.\n\n# N. Bounded hypothetical workflows\n\n## Example 1 — successor trustee authority not recorded\n\n**Facts**\n\n- Original deed names Trustee A.\n- Beneficiary privately signs a letter naming Trustee B.\n- No §76-1004 substitution is recorded.\n- Trustee B records a default notice.\n\n**Established**\n\nPlain text\n```\nPrivate intended substitution         yes\nRecorded statutory substitution       no\nStatutory successor authority         not established\n```\n\n**Conditional result**\n\nTrustee B has not obtained §76-1004’s recorded successor authority on these facts. The missing proof is a compliant recorded substitution executed by the beneficiary or successors in every property county.\n\nThis does not establish that the debt is invalid or that no other authorized trustee can proceed.\n\n## Example 2 — default and election facts unknown\n\n**Facts**\n\n- Notice says “failure to comply with loan terms.”\n- Payment ledger is unavailable.\n- It is unknown whether the alleged default is unpaid installments, insurance, taxes, occupancy, or another covenant.\n- Contractual notice conditions are unavailable.\n\n**Established**\n\nPlain text\n```\nRecorded document                    assumed\nActual secured breach                unknown\nNature stated with legal sufficiency unknown\nAcceleration authority               unknown\n```\n\n**Result hold**\n\nA recorded notice cannot prove the underlying default merely by existing. The note, deed, servicing ledger, notices, advances, and beneficiary instructions are required.\n\n## Example 3 — owner occupancy and spouse interest ambiguous\n\n**Facts**\n\n- Borrower signed deed alone.\n- Borrower was married.\n- Spouse did not sign.\n- Property may have been acquired using purchase-money financing.\n- Occupancy at execution is unknown.\n\n**Branches**\n\nPlain text\n```\nExisting homestead, nonpurchase-money deed:\n    both-spouse execution and acknowledgment may be essential\n\nSimultaneous purchase-money deed:\n    Mutual of Omaha v. Watson can defeat the spouse-signature objection\n\nNot a homestead when executed:\n    §40-104 may not apply\n```\n\nNo branch can be selected without acquisition, occupancy, marriage, title, instrument, and acknowledgment facts.\n\n## Example 4 — required recipient and address unknown\n\n**Facts**\n\n- Junior lienholder says it received no notice.\n- It was not a party to the senior deed.\n- It recorded a document labeled “Request for Notice.”\n- The request’s senior-deed fields are unavailable.\n\n**Required proof**\n\nPlain text\n```\nRequest recorded before default notice\nRequester’s address\nOriginal senior-deed parties\nSenior-deed recording date\nBook/page or computer reference\n```\n\nIf the request omitted the senior-deed identification, *First Nebraska Educators* indicates the senior beneficiary may have had no §76-1008 mail duty.\n\n## Example 5 — timely reinstatement with unknown fees\n\n**Assumptions**\n\nPlain text\n```\nUnpaid principal U                 $180,000\nActual trustee fees claimed          $1,200\nActual arrears                       unknown\nActual enforcement costs             unknown\n```\n\nFee cap:\n\nPlain text\n```\n0.5% × $180,000 = $900\nGreater of $50 or $900 = $900\nAllowed trustee fee =\nmin($1,200 actual, $900 cap) = $900\n```\n\nTender amount:\n\nPlain text\n```\nArrears otherwise due without acceleration\n+ actual allowed enforcement costs\n+ $900 allowed trustee fee\n```\n\nThe borrower has not cured merely by requesting the number. Actual timely tender is required.\n\n## Example 6 — postponed sale\n\n**Facts**\n\n- Original sale day = S.\n- Public declaration at the noticed time and place states the new date.\n\n### Branch A\n\nPlain text\n```\nNew date = S + 45 days\n```\n\nNo additional statutory notice is required beyond the public declaration, assuming every other predicate remains valid.\n\n### Branch B\n\nPlain text\n```\nNew date = S + 46 days\n```\n\nThe original notice process must be repeated.\n\nNo concrete date is calculated because the actual sale day and computation facts are absent.\n\n## Example 7 — partial payment and negotiations\n\n**Facts**\n\n- Borrower makes a partial payment.\n- Servicer continues negotiations.\n- No written reinstatement agreement, forbearance, loss-mitigation agreement, court order, or statutory tender is shown.\n\n**Result**\n\nPlain text\n```\nPartial payment alone                 not §76-1012 reinstatement\nNegotiations alone                    not state-law stay\nRecorded default notice               remains unless cancelled\nSale authority                        still subject to every other state/federal gate\n```\n\nThe payment must be credited correctly, but it does not automatically discontinue the sale.\n\n## Example 8 — new loss-mitigation application\n\n**Facts**\n\n- Owner-occupied principal residence assumed.\n- Servicer coverage unknown.\n- Application submitted 50 days before scheduled sale.\n- Completeness disputed.\n- Servicer may have reviewed a prior complete application during continuous delinquency.\n\n**Branches**\n\nPlain text\n```\nCovered servicer + complete application:\n    5-business-day acknowledgment potentially required\n    30-day evaluation required\n    sale prohibition under §1024.41(g) potentially applies\n\nIncomplete application:\n    full sale prohibition generally not established\n    performing short-term agreement could independently block sale\n\nPrior complete application + continuous delinquency:\n    duplicative-request exception may apply\n\nSmall servicer:\n    narrower §1024.41(j) rules apply\n```\n\nThe application date alone does not determine the result.\n\n## Example 9 — trustee sale versus judicial redemption\n\n**Facts**\n\n- Ordinary urban residential deed of trust.\n- Highest bid has been accepted.\n- Borrower asks for a six-month “foreclosure redemption period.”\n\n**Result**\n\nPlain text\n```\nOrdinary Nebraska Trust Deeds Act:\n    no post-sale statutory redemption\n    rights terminated at bid acceptance\n\nJudicial sheriff sale rules:\n    not imported into nonjudicial route\n\nFarm Homestead Protection Act:\n    unavailable absent agricultural/protected-real-estate predicates\n```\n\nA possible sale defect or federal violation is a different question from redemption.\n\n## Example 10 — surplus equity and unknown priorities\n\n**Hypothetical**\n\nPlain text\n```\nSale proceeds                            $300,000\nSale/trustee costs                        -8,000\nSecured obligation                      -220,000\n                                         -------\nRemaining                                 $72,000\n```\n\nTwo possible junior claims:\n\nPlain text\n```\nJunior A asserted payoff                 $40,000\nJunior B asserted payoff                 $25,000\n```\n\nIf both are valid and A is senior to B:\n\nPlain text\n```\n$72,000 − $40,000 = $32,000\n$32,000 − $25,000 = $7,000 potential surplus\n```\n\nIf either lien is invalid, released, senior to the deed, or has a different payoff, the result changes. Recording, notice, title, assignment, lien priority, and payoff evidence are required before distribution.\n\n# O. Source register\n\n| Source ID | Title, issuer, full literal URL and pinpoint | Status/access/read bounds |\n| --- | --- | --- |\n| **S_NE-P27-S001** | **Nebraska Trust Deeds Act definitions and secured obligations**, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=76-1001 — complete section. https://nebraskalegislature.gov/laws/statutes.php?statute=76-1002 — complete section. | Current official HTML freshly read 2026-10-26 PT/UTC. Printed page/PDF index N/A. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=76-1001) |\n| **S_NE-P27-S002** | **Trustee qualification, substitution, and power of sale.** https://nebraskalegislature.gov/laws/statutes.php?statute=76-1003 — complete section. https://nebraskalegislature.gov/laws/statutes.php?statute=76-1004 — subsections (1)–(7). https://nebraskalegislature.gov/laws/statutes.php?statute=76-1005 — complete section. | Current official HTML freshly read 2026-10-26. §76-1004’s post-1997/post-2010 provisions qualify the older affidavit and notice text. [Nebraska Legislature+2](https://nebraskalegislature.gov/laws/statutes.php?statute=76-1003) |\n| **S_NE-P27-S003** | **Default notice.** https://nebraskalegislature.gov/laws/statutes.php?statute=76-1006; subsections (1)–(2). | Current official HTML; fresh 2026-10-26. Material farm and municipal exceptions read. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=76-1006) |\n| **S_NE-P27-S004** | **Notice of sale and recipients.** https://nebraskalegislature.gov/laws/statutes.php?statute=76-1007 — complete section. https://nebraskalegislature.gov/laws/statutes.php?statute=76-1008 — complete section. | Current official HTML; fresh 2026-10-26. §76-1007 source history includes 2023 LB 92. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=76-1007) |\n| **S_NE-P27-S005** | **Auction, postponement, deed, and termination of rights.** https://nebraskalegislature.gov/laws/statutes.php?statute=76-1009 — complete section. https://nebraskalegislature.gov/laws/statutes.php?statute=76-1010 — subsections (1)–(2). | Current official HTML; fresh 2026-10-26. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=76-1009) |\n| **S_NE-P27-S006** | **Proceeds, objections, reinstatement, and deficiency boundary.** https://nebraskalegislature.gov/laws/statutes.php?statute=76-1011 https://nebraskalegislature.gov/laws/statutes.php?statute=76-1011.01 https://nebraskalegislature.gov/laws/statutes.php?statute=76-1012 https://nebraskalegislature.gov/laws/statutes.php?statute=76-1013 | Complete current official HTML freshly read 2026-10-26. Full deficiency merits expressly deferred. [Nebraska Legislature+3](https://nebraskalegislature.gov/laws/statutes.php?statute=76-1011) |\n| **S_NE-P27-S007** | **Debt transfer, recordable instruments, and Act status.** https://nebraskalegislature.gov/laws/statutes.php?statute=76-1016 https://nebraskalegislature.gov/laws/statutes.php?statute=76-1017 https://nebraskalegislature.gov/laws/statutes.php?statute=76-1018 | Complete current official HTML; fresh 2026-10-26. [Nebraska Legislature+2](https://nebraskalegislature.gov/laws/statutes.php?statute=76-1016) |\n| **S_NE-P27-S008** | **Nebraska homestead trust-deed exception and spouse execution.** https://nebraskalegislature.gov/laws/statutes.php?statute=40-103 https://nebraskalegislature.gov/laws/statutes.php?statute=40-104 | Current official HTML; fresh 2026-10-26. §40-103 reflects 2024 LB 1195. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=40-103) |\n| **S_NE-P27-S009** | **Farm Homestead Protection Act boundary.** https://nebraskalegislature.gov/laws/statutes.php?statute=76-1902 https://nebraskalegislature.gov/laws/statutes.php?statute=76-1906 https://nebraskalegislature.gov/laws/statutes.php?statute=76-1907 https://nebraskalegislature.gov/laws/statutes.php?statute=76-1910 | Current official HTML freshly read 2026-10-26. Agricultural branch only. [Nebraska Legislature+3](https://nebraskalegislature.gov/laws/statutes.php?statute=76-1902) |\n| **S_NE-P27-S010** | **District-court jurisdiction and injunction security.** https://nebraskalegislature.gov/laws/statutes.php?statute=24-302 https://nebraskalegislature.gov/laws/statutes.php?statute=25-1067 | Current official HTML; fresh 2026-10-26. No case-specific bond amount. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=24-302&utm_source=chatgpt.com) |\n| **S_NE-P27-S011** | ***First National Bank North Platte v. Cardenas*, 299 Neb. 497 (2018).** https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00010563PUB; printed pp.511–513/PDF indices 14–16. | Final official Nebraska Supreme Court PDF; freshly read and pages visually inspected. [Nebraska.gov+3](https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00010563PUB) |\n| **S_NE-P27-S012** | ***Gilroy v. Ryberg*, 266 Neb. 617 (2003).** https://law.justia.com/cases/nebraska/supreme-court/2003/487-1.html; relevant reported pp.554–555; HTML reproduction, PDF index N/A. | Public reproduction of actual final Nebraska Supreme Court opinion; fresh 2026-10-26. [Justia Law+5](https://law.justia.com/cases/nebraska/supreme-court/2003/487-1.html) |\n| **S_NE-P27-S013** | ***First National Bank of Omaha v. Davey*, 285 Neb. 835 (2013).** https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00004221PUB; printed pp.835 and 839/PDF indices 0 and 4. | Final official Nebraska Supreme Court PDF; fresh 2026-10-26. [Nebraska.gov+2](https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00004221PUB) |\n| **S_NE-P27-S014** | ***American Exchange Bank v. Topp*, 321 Neb. 409 (2026).** https://www.nebraska.gov/apps-courts-epub/public/viewAdvanced?docId=N00013220PUB; printed pp.409, 414–415/PDF indices 0, 5–6. | Final published Nebraska Supreme Court opinion filed May 15, 2026; fresh 2026-10-26. [Nebraska.gov+2](https://www.nebraska.gov/apps-courts-epub/public/viewAdvanced?docId=N00013220PUB) |\n| **S_NE-P27-S015** | ***Mutual of Omaha Bank v. Watson*, 297 Neb. 479 (2017).** https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00010306PUB; printed pp.492–493/PDF indices 13–14. | Final official Nebraska Supreme Court PDF; fresh 2026-10-26. [Nebraska.gov+2](https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00010306PUB) |\n| **S_NE-P27-S016** | ***First Nebraska Educators Credit Union v. U.S. Bancorp*, 293 Neb. 308 (2016).** https://law.justia.com/cases/nebraska/supreme-court/2016/s-15-617.html; reported pp.308–316; HTML reproduction, PDF index N/A. | Public reproduction of actual final opinion; fresh 2026-10-26. [Justia Law](https://law.justia.com/cases/nebraska/supreme-court/2016/s-15-617.html) |\n| **S_NE-P27-S017** | ***Klein v. Oakland/Red Oak Holdings*, 294 Neb. 535 (2016).** https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00010018PUB; printed pp.541 and 549/PDF indices 6 and 14. | Final official Nebraska Supreme Court PDF; fresh 2026-10-26. [Nebraska.gov+2](https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00010018PUB) |\n| **S_NE-P27-S018** | ***Blair Company v. American Savings Company*, 184 Neb. 557 (1969).** https://law.justia.com/cases/nebraska/supreme-court/1969/37209-1.html; actual opinion HTML, PDF index N/A. | Public reproduction of final opinion; used only for Nebraska constitutional enactment holding, not federal state action. [Justia Law](https://law.justia.com/cases/nebraska/supreme-court/1969/37209-1.html) |\n| **S_NE-P27-S019** | **Regulation X scope, definitions, early intervention, and loss mitigation.** https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.30 https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.31 https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.39 https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.41 | eCFR displayed Title 12 current through October 22, 2026 and last amended October 2, 2026; authoritative but unofficial. Complete material clauses read. [eCFR+5](https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.30) |\n| **S_NE-P27-S020** | **CFPB Official Interpretations to §1024.41.** https://www.consumerfinance.gov/rules-policy/regulations/1024/41/; first-notice interpretation and sale commentary. | Current official Bureau webpage freshly read 2026-10-26. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1024/41) |\n| **S_NE-P27-S021** | **Bankruptcy automatic stay.** https://uscode.house.gov/us/usc/119-124/t11/s362/; subsections (a)–(c) and material exceptions. | Official U.S. Code through PL 119-124, October 15, 2026; fresh 2026-10-26. [USCode](https://uscode.house.gov/us/usc/119-124/t11/s362/) |\n| **S_NE-P27-S022** | **SCRA mortgage/trust-deed protection.** https://www.govinfo.gov/link/uscode/50/3953; printed p.998/PDF index 0, subsections (a)–(d). | Official GovInfo PDF freshly read and visually inspected. [GovInfo](https://www.govinfo.gov/link/uscode/50/3953) |\n| **S_NE-P27-S023** | **SCRA waiver.** https://uscode.house.gov/us/usc/119-124/t50/s3918/; subsections (a)–(c). | Official U.S. Code through PL 119-124, October 15, 2026; fresh 2026-10-26. [USCode](https://uscode.house.gov/us/usc/119-124/t50/s3918/) |\n| **S_NE-P27-S024** | **Nebraska Judicial Branch forms page.** https://nebraskajudicial.gov/forms | Current public page checked 2026-10-26. No statewide nonjudicial trustee-sale challenge or consumer cure form located. Bounded negative search, not absence proof. |\n| **S_NE-P27-S025** | **Bounded Nebraska appellate, statutory, federal-regulation, and official-form searches.** | Search-only work 2026-10-26. No complete paid citator, title search, local recording manual, unpublished-order universe, or session-law history audit. |\n\n# P. Claim register\n\n| Claim ID | Precise bounded claim | Source/pinpoint | Conditions, consequence, confidence |\n| --- | --- | --- | --- |\n| **S_NE-P27-C001** | Nebraska recognizes both nonjudicial trustee sale and judicial mortgage foreclosure as distinct deed-of-trust enforcement routes. | S002 §76-1005; S013 p.835/PDF0 | **High** |\n| **S_NE-P27-C002** | Nonjudicial sale requires an express power of sale in the trust deed. | S002 §76-1005 | **High** |\n| **S_NE-P27-C003** | Trust deed may secure existing, simultaneous, protective, optional future, or another person’s obligation. | S001 §76-1002 | Actual deed controls; **high** |\n| **S_NE-P27-C004** | Trustee must satisfy §76-1003’s professional or institutional qualifications. | S002 §76-1003 | **High** |\n| **S_NE-P27-C005** | Beneficiary cannot also be trustee unless qualifying under specified institutional branches. | S002 §76-1003(2) | **High** |\n| **S_NE-P27-C006** | Successor trustee’s statutory authority begins with compliant recordation in each property county. | S002 §76-1004(1)–(2) | **High** |\n| **S_NE-P27-C007** | No substitution affidavit has been required since April 3, 1997, and no notice to replaced trustee since March 4, 2010. | S002 §76-1004(5)–(6) | **High** |\n| **S_NE-P27-C008** | Transfer of secured debt transfers the security; recorded assignment is not itself notice to trustor invalidating payment to the note holder. | S007 §§76-1016–1017 | Actual transfer/account link remains factual; **high** |\n| **S_NE-P27-C009** | Missing assignment recording alone neither proves nor disproves current beneficiary authority. | C008 synthesis | **High bounded conclusion** |\n| **S_NE-P27-C010** | Trustee or attorney must record default notice in every property county before exercising power. | S003 §76-1006(1)(a) | **High** |\n| **S_NE-P27-C011** | Default notice must identify deed, property, breach nature, and election to sell. | S003 §76-1006(1)(a) | **High** |\n| **S_NE-P27-C012** | Ordinary sale notice cannot begin until at least one month after default notice recordation. | S003 §76-1006(1)(c) | Farm branch uses two months; **high** |\n| **S_NE-P27-C013** | Nonfarm default notice need not include a narrative of §76-1012 cure rights. | S011 pp.511–513/PDF14–16 | Contract may add conditions; **high** |\n| **S_NE-P27-C014** | Parties to deed and proper recorded requesters receive default notice within 10 days and sale notice at least 20 days before sale. | S004 §76-1008(2)–(3) | Correct address/request required; **high** |\n| **S_NE-P27-C015** | A nonparty junior lienholder without a compliant recorded request is not automatically entitled to §76-1008 notice. | S016 pp.308–316 | **High** |\n| **S_NE-P27-C016** | If deed has no trustor address and trustor recorded no request, default notice must be published 3 times over 3 weeks beginning within 10 days. | S004 §76-1008(4) | **High** |\n| **S_NE-P27-C017** | Sale notice requires 5 weekly publications over 5 consecutive weeks; last publication 10–30 days before sale. | S004 §76-1007(1) | **High** |\n| **S_NE-P27-C018** | Sale must occur 9 a.m.–5 p.m. at a statutory county location. | S004 §76-1007(2) | **High** |\n| **S_NE-P27-C019** | Reinstatement ordinarily runs one month from recordation, not receipt. | S006 §76-1012(1) | Farm branch two months; **high** |\n| **S_NE-P27-C020** | Reinstatement excludes accelerated principal not otherwise due and includes actual arrears/costs and capped actual trustee fees. | S006 §76-1012(1) | Actual ledger required; **high** |\n| **S_NE-P27-C021** | Trustee-fee cap during reinstatement is greater of $50 or 0.5% of entire unpaid principal, but only fees actually incurred are collectible. | S006 §76-1012(1) | **High** |\n| **S_NE-P27-C022** | Actual payment or tender is required; willingness to cure is insufficient. | S011 p.512/PDF15 | **High** |\n| **S_NE-P27-C023** | Valid cure reinstates as though acceleration never occurred and requires discontinuation of proceedings. | S006 §76-1012(1) | **High** |\n| **S_NE-P27-C024** | Beneficiary refusing for 30 days after demand to request cancellation can owe resulting damages. | S006 §76-1012(1) | Valid prior cure and demand required; **high** |\n| **S_NE-P27-C025** | Before sale, a qualifying person can pay the entire amount then due plus actual allowed costs under §76-1012(2). | S006 §76-1012(2) | Contract/acceleration controls amount; **high** |\n| **S_NE-P27-C026** | Partial payment or negotiation alone is not statutory reinstatement or stay. | C019–C025 synthesis | Actual agreement may differ; **high** |\n| **S_NE-P27-C027** | Trustee sale is public auction to highest bidder; beneficiary may bid. | S005 §76-1009 | **High** |\n| **S_NE-P27-C028** | Reviewed statute does not expressly prescribe a credit-bid mechanism. | S005 §§76-1009–1010 | **Unresolved/held** |\n| **S_NE-P27-C029** | Sale can be postponed by public declaration at last sale time/place; >45-day postponement requires full renotice. | S005 §76-1009 | **High** |\n| **S_NE-P27-C030** | Defaulting purchaser requires fully renoticed resale and can be liable for loss. | S005 §76-1009 | **High** |\n| **S_NE-P27-C031** | Purchaser must pay forthwith, interpreted as reasonable time under circumstances. | S005 §76-1010; S012 | **High** |\n| **S_NE-P27-C032** | Trustor and successor interests terminate on acceptance of highest bid. | S005 §76-1010(2) | **High** |\n| **S_NE-P27-C033** | Trustee deed conveys without post-sale right of redemption. | S005 §76-1010(2) | Farm Act is separate; **high** |\n| **S_NE-P27-C034** | Trustee-deed recitals are prima facie generally and conclusive for qualifying BFPs without notice. | S005 §76-1010(1) | Actual BFP status required; **high** |\n| **S_NE-P27-C035** | Sale defects are void, voidable, or inconsequential; voidable relief requires prejudice and is cut off by BFP. | S012 pp.554–555 | **High** |\n| **S_NE-P27-C036** | Trustee sale does not guarantee title against surviving senior or independent recorded interests. | S017 pp.541, 549/PDF6,14 | **High** |\n| **S_NE-P27-C037** | Sale proceeds pay costs, secured obligation, juniors, then surplus. | S006 §76-1011 | **High** |\n| **S_NE-P27-C038** | Bad-faith proceeds objection can produce fee shifting in interpleader or similar action. | S006 §76-1011.01 | Judgment and bad faith required; **high** |\n| **S_NE-P27-C039** | Deficiency action has three-month and fair-market-value conditions. | S006 §76-1013; S014 | Full calculation deferred; **high boundary** |\n| **S_NE-P27-C040** | Valid consensual trust deed is an exception to ordinary Nebraska homestead execution protection. | S008 §40-103 | Valid execution/acknowledgment required; **high** |\n| **S_NE-P27-C041** | Married homestead generally requires both spouses’ execution and acknowledgment. | S008 §40-104 | Statutory/purchase-money exceptions; **high** |\n| **S_NE-P27-C042** | Purchase-money deed given with acquisition can defeat later homestead/spouse-signature objection. | S015 pp.492–493/PDF13–14 | Same-transaction facts required; **high** |\n| **S_NE-P27-C043** | Farm Homestead Protection Act applies only to detailed agricultural/protected-property predicates. | S009 | **High** |\n| **S_NE-P27-C044** | Qualifying farm trustor may petition within two months after default notice for redemptive homestead. | S009 §76-1906(2) | Appraisal and designation required; **high** |\n| **S_NE-P27-C045** | District courts have general equity jurisdiction over sale challenges. | S010 §24-302; S012/S017 | Venue and parties remain factual; **high** |\n| **S_NE-P27-C046** | Nebraska injunction ordinarily requires court-fixed security before operating. | S010 §25-1067 | Special statute/order may differ; **high** |\n| **S_NE-P27-C047** | Complaint, dispute, or negotiation alone does not stay sale. | State/federal synthesis | Actual agreement/order may; **high** |\n| **S_NE-P27-C048** | Regulation X §§1024.39–.41 apply only to covered principal-residence mortgage loans and servicers. | S019 §§1024.30–.31 | **High** |\n| **S_NE-P27-C049** | Small servicer, reverse mortgage, and qualifying Farm Credit exemptions limit federal coverage. | S019 §1024.30(b) | §1024.41(j) preserved; **high** |\n| **S_NE-P27-C050** | Covered servicer generally cannot make first foreclosure filing before >120 days delinquency. | S019 §1024.41(f)(1) | Due-on-sale/joinder exceptions; **high** |\n| **S_NE-P27-C051** | Nebraska default notice is likely Regulation X first filing because it is earliest required recorded foreclosure document. | S003 + S020 official interpretation | Explicitly an inference; **high** |\n| **S_NE-P27-C052** | Application 45+ days before sale triggers 5-business-day acknowledgment requirements. | S019 §1024.41(b)(2) | Coverage and receipt facts required; **high** |\n| **S_NE-P27-C053** | Complete application >37 days before sale triggers evaluation and sale protections. | S019 §1024.41(c),(g) | Exceptions apply; **high** |\n| **S_NE-P27-C054** | Complete application 90+ days before sale or before first filing can trigger appeal rights. | S019 §1024.41(h) | Loan-modification denial only; **high** |\n| **S_NE-P27-C055** | Duplicative-request rule can eliminate repeat §1024.41 duties during continuous delinquency. | S019 §1024.41(i) | Prior complete review required; **high** |\n| **S_NE-P27-C056** | Small servicer remains subject to 120-day gate and cannot foreclose while borrower performs loss-mitigation agreement. | S019 §1024.41(j) | **High** |\n| **S_NE-P27-C057** | Bankruptcy petition generally stays lien enforcement and sale, subject to exceptions and court orders. | S021 §362(a)–(c) | Actual case required; **high boundary** |\n| **S_NE-P27-C058** | SCRA can invalidate covered sale during service or one year afterward absent prior court order or valid waiver. | S022 §3953 | Pre-service obligation and servicemember ownership required; **high** |\n| **S_NE-P27-C059** | SCRA waiver must be separate, written, service-period compliant, specific, and at least 12-point type. | S023 §3918 | **High** |\n| **S_NE-P27-C060** | No ordinary residential post-sale redemption period exists under the Nebraska Trust Deeds Act. | S005 §76-1010 | Agricultural and judicial routes distinct; **high** |\n\n# Q. Coverage table\n\n| Assigned question or subissue | Status | Linked claims | Exact missing evidence or next action |\n| --- | --- | --- | --- |\n| Trust-deed scope and definitions | **Answered** | C001–C003 | Actual instrument and obligation |\n| Express power of sale | **Answered** | C002 | Actual deed language |\n| Eligible trustee | **Answered** | C004–C005 | Actual trustee qualification |\n| Successor trustee | **Answered** | C006–C007 | Recorded substitution |\n| Beneficiary/assignment authority | **Answered as legal rule; facts unresolved** | C008–C009 | Note, assignments, servicing authority, account link |\n| Owner-occupied status under state Act | **Answered as not core state limitation** | C048 boundary | Actual occupancy for federal/homestead rules |\n| Spouse/homestead execution | **Answered generally** | C040–C042 | Marriage, homestead, signature, purchase-money facts |\n| Default and acceleration | **Partial** | C010–C013 | Actual contract, ledger, notices |\n| Recorded default notice content | **Answered** | C010–C013 | Actual notice |\n| State waiting period | **Answered** | C012 | Recordation date |\n| Reinstatement | **Answered** | C019–C025 | Tender, quote, costs |\n| Fee formula | **Answered** | C020–C021 | Actual unpaid principal and incurred fees |\n| Partial payment/negotiation | **Answered as no automatic cure** | C026, C047 | Actual agreement or order |\n| Notice recipients | **Answered** | C014–C016 | Party status, request, addresses |\n| Junior lienholder notice | **Answered conditionally** | C015 | Recorded request |\n| Occupant notice | **Unresolved outside deed-party/request rules** | — | Tenancy, federal, contract authority |\n| Publication | **Answered** | C017–C018 | Publication affidavits |\n| Sale timing/location | **Answered** | C017–C018 | Actual notice and date |\n| Postponement | **Answered** | C029 | Public declaration and date span |\n| Cancellation | **Answered after cure; other cancellation partial** | C023–C024 | Actual beneficiary/trustee instruction |\n| Bidding | **Answered generally** | C027 | Sale terms |\n| Credit bid | **Unresolved** | C028 | Contract, trustee practice, controlling authority |\n| Purchaser payment | **Answered generally** | C030–C031 | Actual sale conditions |\n| Certificate of sale | **No separate statutory certificate verified** | C031–C034 | Local practice, if any |\n| Trustee deed | **Answered** | C032–C034 | Actual deed and payment |\n| Deed recording | **Answered as recordable/notice; not conveyance condition** | C034 | Actual delivery and recording |\n| No post-sale redemption | **Answered** | C032–C033, C060 | Agricultural/judicial facts if claimed |\n| Defect/prejudice/BFP | **Answered generally** | C034–C036 | Actual defect and title transfers |\n| Senior/subordinate liens | **Answered as priority framework** | C036–C038 | Title, recordings, payoffs |\n| Proceeds | **Answered** | C037–C038 | Actual costs, liens, surplus claimant |\n| Deficiency boundary | **Answered narrowly** | C039 | Later deficiency pass |\n| Pre-sale injunction | **Answered generally** | C045–C047 | Pleading, bond, actual court order |\n| Post-sale set-aside | **Answered generally** | C035–C036 | Defect category, prejudice, BFP |\n| Due process/state action | **Unresolved** | — | On-point controlling facts and authority |\n| Nebraska farm redemption | **Answered as separate branch** | C043–C044 | Agricultural predicates |\n| Reg X scope | **Answered generally** | C048–C049 | Loan/servicer/principal-residence facts |\n| Reg X 120-day gate | **Answered** | C050–C051 | Delinquency and exceptions |\n| Application acknowledgment | **Answered** | C052 | Application receipt and sale date |\n| Dual tracking | **Answered** | C053–C056 | Completeness, timing, prior application |\n| Bankruptcy stay | **Answered as conditional gateway** | C057 | Actual petition, exceptions, orders |\n| SCRA | **Answered as conditional gateway** | C058–C059 | Service, origination, ownership, waiver/order |\n| 2025/2026 currentness | **Partially answered** | S014, S019 | No complete Nebraska session-law/citator audit |\n| Official forms | **Answered for statutory forms** | S002–S006, S024 | No standalone statewide forms found |\n| Local recording procedure | **Excluded** | — | County-specific later work |\n| Judicial mortgage foreclosure | **Excluded** | C001 boundary | Separate pass |\n| Deficiency valuation/guaranty | **Excluded except boundary** | C039 | Separate pass |\n| Post-sale possession/eviction | **Excluded** | — | Separate pass |\n| Full servicing/remedy damages | **Excluded** | — | Separate federal/state remedies pass |\n| HOA/tax liens | **Excluded** | — | Separate sector work |\n| Commercial/agricultural full dossier | **Excluded except farm boundary** | C043–C044 | Separate sector work |\n| Local/tribal/foreign-country law | **Excluded** | — | Separate jurisdictional work |\n| Named property/borrower result | **Not performed** | — | Private records unavailable and prohibited |\n| Nebraska/component/parent/A066 acceptance | **Not granted** | — | Remaining assignments and review |\n\n# R. Researcher self-check\n\n## Freshly read\n\nThis pass freshly read the material operative text of:\n\n- Neb. Rev. Stat. §§76-1001 through 76-1013 and §§76-1016 through 76-1018;\n- §§40-103 and 40-104;\n- §§76-1902, 76-1906, 76-1907, and 76-1910;\n- §§24-302 and 25-1067;\n- Regulation X §§1024.30, 1024.31, 1024.39, and 1024.41;\n- CFPB’s official interpretations of §1024.41(f) and (g);\n- 11 U.S.C. §362;\n- 50 U.S.C. §§3953 and 3918.\n\nIt also read the material primary-opinion passages of:\n\n- *Cardenas*;\n- *Gilroy*;\n- *Davey*;\n- *Topp*;\n- *Mutual of Omaha Bank v. Watson*;\n- *First Nebraska Educators*;\n- *Klein*; and\n- *Blair Company*.\n\n## Numerical self-check\n\nPlain text\n```\nReinstatement trustee-fee cap:\n0.5% × $180,000 = $900\ngreater of $50 or $900 = $900\n\nProceeds:\n$300,000 − $8,000 = $292,000\n$292,000 − $220,000 = $72,000\n$72,000 − $40,000 = $32,000\n\nTwo junior claims:\n$72,000 − $40,000 = $32,000\n$32,000 − $25,000 = $7,000\n\nPostponement:\n45 days = declaration branch\n46 days = original-notice branch\n```\n\nThese are arithmetic illustrations only. They establish no actual default, debt, fee, title, lien, bid, surplus, or authority.\n\n## Bounded unresolved searches\n\nNo controlling public Nebraska authority was located in this focused search that conclusively establishes:\n\n- a statutory credit-bid mechanism or accounting formula;\n- a separate statutory certificate of sale;\n- automatic mail notice to every occupant;\n- one universal remedy for every Regulation X violation after a completed sale;\n- that every private Nebraska trustee sale constitutes federal state action;\n- one uniform post-sale damages measure;\n- or one statewide public consumer form for challenging a nonjudicial sale.\n\nThese are bounded gaps, not claims that no unpublished, local, contractual, federal, or later authority exists.\n\n## Not performed\n\n- No actual trust deed, note, assignment, substitution, servicing agreement, account history, reinstatement quote, payoff, default notice, publication affidavit, mailing record, bid sheet, trustee deed, title report, property record, bankruptcy docket, military record, loss-mitigation file, or court action was accessed.\n- No named borrower, lender, servicer, trustee, property, county, address, title, or docket search was performed.\n- No filing, notice, complaint, contact, records request, transaction, asset movement, lender inquiry, browser control, local write, or publication occurred.\n- No complete judicial-foreclosure, deficiency, eviction, bankruptcy, servicing, HOA, tax, agricultural, local, tribal, or foreign-country dossier was completed.\n- No Deep Research, Work, Codex generation, API, purchase, account change, CAPTCHA workaround, or private-data access was used.\n\n**Focused disposition:** Nebraska nonjudicial foreclosure is a precise statutory power-of-sale process. The deed must expressly grant the power; the trustee and any successor must be authorized; the default notice must be recorded and mailed; the statutory waiting, cure, publication, and sale-notice requirements must be satisfied; and independent federal bars must be cleared. Cure and loss mitigation are not interchangeable. The ordinary trustor’s rights end at acceptance of the highest bid, with no post-sale redemption, while challenges after sale become increasingly dependent on whether the defect is void or merely voidable, whether prejudice exists, and whether title reached a protected bona fide purchaser.\n\nEND S_NE PASS-27.\n\n","tables":[{"headers":["Actor","Nebraska statutory role","Required authority","Material failure or hold"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Actor","Nebraska statutory role","Required authority","Material failure or hold"],["Trustor","Conveys real property to trustee as security for an obligation","Actual ownership or transferable interest; executed trust deed","A borrower, title owner, obligor, and trustor may not always be the same person"],["Beneficiary","Person for whose benefit the trust deed is given, or successor","Actual beneficial interest in secured obligation","Servicer label, payment address, or unrecorded database entry alone does not prove present authority"],["Trustee","Holds statutory title and exercises power of sale","Must fall within §76-1003’s eligible categories","Disqualified trustee cannot cure the defect merely by being named in the instrument"],["Successor trustee","Replaces prior trustee","Recorded substitution in every county containing trust property","Authority begins on recording; incomplete party, legal-description, or beneficiary execution facts remain material"],["Servicer","May act administratively for beneficiary","Actual servicing or agency authority","Servicer is not automatically beneficiary or trustee"],["Attorney for trustee","May record default, give notices, conduct sale","Authority from trustee and compliance with Act","Attorney does not become beneficiary by conducting the sale"],["Junior lienholder","Potential notice recipient and proceeds claimant","Proper recorded notice request; valid lien and priority","A request in its own junior deed may be insufficient unless it properly identifies the senior deed"],["Spouse","May have homestead-signature and ownership rights","Actual marriage, homestead status, title or statutory interest","Spouse is not necessarily a party to the note or trust deed"],["Purchaser","Highest bidder acquiring trustor’s interest through trustee deed","Successful bid and payment","Purchaser takes subject to senior or separately surviving interests and record-notice risks"]]},{"headers":["Stage","Required event","Relative timing","Actor"],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Stage","Required event","Relative timing","Actor"],["1","Express power of sale in trust deed","Instrument creation","Trustor/beneficiary"],["2","Trustee qualification and any substitution recorded","Before successor exercises authority","Beneficiary/successor trustee"],["3","Secured breach/default and election to sell","Before default notice","Beneficiary/trustee"],["4","Notice of default recorded in every property county","Day 0","Trustee or trustee’s attorney"],["5","Default notice mailed to deed parties and recorded requesters","Within 10 days after recordation","Trustee, beneficiary, or attorney"],["6","Trustor-address publication, if statutory fallback applies","Begins within 10 days after recordation","Trustee/beneficiary/attorney"],["7","Ordinary reinstatement window","Within 1 month after recordation","Trustor or qualifying junior interest"],["8","Earliest state notice of sale","After not less than 1 month","Trustee or trustee’s attorney"],["9","Sale publication","At least 5 times, weekly for 5 consecutive weeks","Trustee or attorney"],["10","Last publication","10–30 days before sale","Trustee or attorney"],["11","Sale notice mailed","At least 20 days before sale","Trustee or attorney"],["12","Public auction","9 a.m.–5 p.m.; statutory location","Trustee or attorney"],["13","Trustor’s interests terminate","Acceptance of highest bid","Trustee or attorney"],["14","Purchaser pays; deed delivered","“Forthwith,” meaning reasonable time under circumstances","Purchaser/trustee"],["15","Proceeds distributed","After completed sale","Trustee"]]},{"headers":["Branch","Principal required","Timing","Effect"],"index":2,"links":[],"row_links":[[],[],[]],"rows":[["Branch","Principal required","Timing","Effect"],["§76-1012(1) reinstatement","Excludes principal not otherwise due absent acceleration","Within 1 month after recordation; 2 months for qualifying farm notice","Restores obligation as if no acceleration"],["§76-1012(2) pre-sale payment","Entire amount then due under the deed and obligation","Any time after breach but before sale","Pays the obligation due; not the same statutory reinstatement formula"]]},{"headers":["Recipient","Default notice","Sale notice","Condition"],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[],[]],"rows":[["Recipient","Default notice","Sale notice","Condition"],["Party to the trust deed","Registered or certified mail within 10 days after default notice recordation","Registered or certified mail at least 20 days before sale","Sent to address shown in deed"],["Person who recorded compliant notice request","Same","Same","Request recorded before default notice and correctly identifies the deed"],["Junior lienholder with no compliant request","Not automatically required by §76-1008","Not automatically required by §76-1008","Other law or actual party status may change result"],["Trustor whose deed has no address and who recorded no request","Default notice published 3 times, weekly for 3 consecutive weeks, beginning within 10 days","Sale publication under §76-1007 still applies","Statutory fallback"],["Occupant not a party and without recorded request","No general Trust Deeds Act mail right verified","No general Trust Deeds Act mail right verified","Other federal, tenancy, contract, or due-process law held"],["Spouse who signed as party","Mail rights as deed party","Mail rights as deed party","Address shown in deed"],["Spouse who did not sign","Not automatically a deed party","Not automatically a deed party","Validity of homestead encumbrance may be the more fundamental issue"]]},{"headers":["Defect category","Effect"],"index":4,"links":[],"row_links":[[],[],[],[]],"rows":[["Defect category","Effect"],["Void","No title passes; relief can remain available even after transfer to a bona fide purchaser"],["Voidable","Bare legal title passes; claimant must show defect and prejudice, and set-aside relief is lost once title reaches a protected bona fide purchaser"],["Inconsequential","Does not support setting aside the sale"]]},{"headers":["Stage","Available issue","Consequence"],"index":5,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Stage","Available issue","Consequence"],["Before sale","Authority, default, notices, federal bar, spouse signature, cure, contract predicates","Injunction or other court relief can prevent sale if established"],["After notice but before auction","Same, plus publication and postponement defects","Sale can still be stopped only through actual cure, agreement, cancellation, or judicial/federal stay"],["After highest bid but before deed transfer to BFP","Gilroy void/voidable analysis","Voidable sale may still be set aside if defect and prejudice established"],["After transfer to protected BFP","Only void defects generally survive","Trustee-deed recitals and BFP protection substantially narrow relief"],["After sale for ordinary trust deed","No state statutory redemption","Damages, title relief, or set-aside depends on actual defect category and purchaser status"]]},{"headers":["Stage","Actor","Required predicate or record","Relative clock","Action","Consequence if established","Principal gap"],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Stage","Actor","Required predicate or record","Relative clock","Action","Consequence if established","Principal gap"],["Instrument","Trustor/beneficiary","Executed deed, secured obligation, legal description, express power","Origination","Record trust deed","Statutory security and priority route","Actual instrument"],["Trustee","Trustee","§76-1003 qualification","Before exercise","Accept duties","Can exercise statutory power","Actual licensure/status"],["Substitution","Beneficiary","Complete recorded substitution","Before successor acts","Record in each property county","Successor gains authority","Beneficiary execution and legal description"],["Assignment","Beneficiary/successor","Actual debt transfer and account linkage","Before enforcement","Prove beneficial interest","Security follows debt","Full chain/servicing authority"],["Default","Beneficiary","Actual secured breach","Before notice","Elect sale","Starts state process","Account ledger and contract"],["Federal first-filing gate","Servicer","Covered mortgage and servicer; delinquency","Usually >120 days","Permit or bar default notice","Can delay state initiation","Coverage and delinquency"],["Default notice","Trustee/attorney","Authority, deed reference, property, breach, election","Day 0","Record in every county","State process begins","Recording and content"],["Mail default notice","Trustee/beneficiary/attorney","Parties and proper requesters","Within 10 days","Certified/registered mailing","Statutory notice","Recipient and address records"],["Reinstatement","Trustor/qualifying junior","Actual tender","Within 1 month; 2 months farm","Pay arrears/costs/allowed fee","Acceleration undone; proceeding discontinued","Quote and tender proof"],["Sale notice eligibility","Trustee/attorney","Waiting period elapsed","≥1 month; 2 months farm","Begin sale notice","Publication permitted","Exact dates"],["Sale publication","Trustee/attorney","Complete property/time/place notice","5 weekly publications","Publish","Sale scheduled","Newspaper proofs"],["Mail sale notice","Trustee/attorney","Parties and proper requesters","≥20 days before sale","Certified/registered mailing","Statutory notice","Address/receipt evidence"],["Reg X sale gate","Servicer","Complete application >37 days before sale","Application-date dependent","Stop or permit sale","Federal dual-tracking protection","Completeness and timing"],["Postponement","Trustee/attorney","Public declaration at last time/place","≤45 days or >45 days","Declare or renotice","New sale date","Actual declaration and span"],["Auction","Trustee/attorney","All state/federal bars cleared","Noticed date, 9–5","Highest bid accepted","Trustor rights terminate","Compliance and stays"],["Purchaser payment","Purchaser","Successful bid","Forthwith/reasonable time","Pay bid","Trustee delivers deed","Sale terms"],["Trustee deed","Trustee","Payment and authority","After payment","Execute/deliver","Conveys trustor’s interest","BFP and title records"],["Proceeds","Trustee","Actual funds and lien priorities","After sale","Distribute","Costs, debt, juniors, surplus","Payoffs and objections"],["Challenge","Trustor/interest holder","Actual defect and standing","Preferably pre-sale; post-sale category dependent","Seek injunction/set-aside","Stay, void/voidable relief, or denial","Bond, prejudice, BFP"],["Deficiency","Beneficiary","Sale and remaining debt","Within 3 months","File court action","FMV-limited judgment","Later focused pass"]]},{"headers":["Decision","Facts and posture","Material holding and outcome","Source limits"],"index":7,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Decision","Facts and posture","Material holding and outcome","Source limits"],["First National Bank North Platte v. Cardenas, 299 Neb. 497 (2018)","Post-sale deficiency case involving cure and default notice","Statutory cure requires actual payment or tender; nonfarm default notice need not explain §76-1012 cure rights; affirmed in relevant part","Official PDF; printed pp.511–513/PDF indices 14–16"],["Gilroy v. Ryberg, 266 Neb. 617 (2003)","Equitable action to set aside trustee sale","Established void, voidable, and inconsequential defect categories; voidable relief requires prejudice and is cut off by BFP protection; sale upheld","Justia reproduction of actual opinion; reported pp.554–555, no PDF index"],["First National Bank of Omaha v. Davey, 285 Neb. 835 (2013)","Judicial foreclosure of deed of trust followed by deficiency action","Distinguished nonjudicial trustee sale from judicial mortgage foreclosure; reversed and remanded","Official PDF; printed pp.835, 839/PDF indices 0, 4"],["American Exchange Bank v. Topp, 321 Neb. 409 (2026)","Guaranty action following trustee sales","Reaffirmed statutory nonjudicial route and held deficiency limitations nonwaivable as public policy; reversed and remanded","Official PDF; printed pp.409, 414–415/PDF indices 0, 5–6"],["Mutual of Omaha Bank v. Watson, 297 Neb. 479 (2017)","Foreclosure involving purchase-money deed and spouse/homestead issue","Valid purchase-money security not defeated by later homestead claim; spouse-signature restriction did not defeat simultaneous purchase-money security; affirmed","Official PDF; printed pp.492–493/PDF indices 13–14"],["First Nebraska Educators Credit Union v. U.S. Bancorp, 293 Neb. 308 (2016)","Junior lender alleged lack of senior trustee-sale notice","Junior lender was not a party to senior deed and had not recorded a compliant request; no notice duty; dismissal affirmed","Justia actual-opinion reproduction; reported pp.308–316, no PDF index"],["Klein v. Oakland/Red Oak Holdings, 294 Neb. 535 (2016)","Trustee-sale purchaser failed to account for recorded tax deeds","Trustee sale is nonjudicial and caveat emptor applies; record notice and purchaser diligence matter; Supreme Court reversed relief favoring negligent purchaser","Official PDF; printed pp.541, 549/PDF indices 6, 14"],["Blair Company v. American Savings Company, 184 Neb. 557 (1969)","Constitutional challenge to Nebraska Trust Deeds Act","Upheld Act against Nebraska constitutional enactment challenge","Justia reproduction; not a federal state-action holding"],["First Nebraska Educators and Gilroy","Notice/title cases","Trust Deeds Act is strictly construed because it changes common law","Public reproductions of actual opinions"]]},{"headers":["Official form or source","Full literal URL","Purpose and material content","Version/access limit"],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Official form or source","Full literal URL","Purpose and material content","Version/access limit"],["Statutory Substitution of Trustee form","https://nebraskalegislature.gov/laws/statutes.php?statute=76-1004","Names new trustee; identifies trustor, beneficiary, original trustee, recording reference, and property","Current official statute; HTML, no separate downloadable form"],["Statutory Notice of Trustee’s Sale form","https://nebraskalegislature.gov/laws/statutes.php?statute=76-1007","Property, public auction, highest bidder, sale date/place, trustee","Current statute; location branch amended by 2023 LB 92"],["Statutory Request for Notice form","https://nebraskalegislature.gov/laws/statutes.php?statute=76-1008","Requests default and sale notices; requires full senior-deed identification","Current official statute"],["Statutory Cancellation of Notice of Default form","https://nebraskalegislature.gov/laws/statutes.php?statute=76-1012","Cancels recorded default notice after valid cure","Current official statute"],["Nebraska Judicial Branch forms page","https://nebraskajudicial.gov/forms","State court forms","No statewide nonjudicial trustee-sale consumer form, cure form, postponement form, or challenge form located in bounded search"],["CFPB Regulation X text and interpretations","https://www.consumerfinance.gov/rules-policy/regulations/1024/41/","Federal first-filing, loss-mitigation, appeal, and sale prohibitions","Current official Bureau interpretation page; not a Nebraska sale form"]]},{"headers":["Source ID","Title, issuer, full literal URL and pinpoint","Status/access/read bounds"],"index":9,"links":[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=76-1001","text":"Nebraska Legislature\n+1"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=76-1003","text":"Nebraska Legislature\n+2"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=76-1006","text":"Nebraska Legislature"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=76-1007","text":"Nebraska Legislature\n+1"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=76-1009","text":"Nebraska Legislature\n+1"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=76-1011","text":"Nebraska Legislature\n+3"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=76-1016","text":"Nebraska Legislature\n+2"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=40-103","text":"Nebraska Legislature\n+1"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=76-1902","text":"Nebraska Legislature\n+3"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=24-302&utm_source=chatgpt.com","text":"Nebraska Legislature\n+1"},{"href":"https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00010563PUB","text":"Nebraska.gov\n+3"},{"href":"https://law.justia.com/cases/nebraska/supreme-court/2003/487-1.html","text":"Justia Law\n+5"},{"href":"https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00004221PUB","text":"Nebraska.gov\n+2"},{"href":"https://www.nebraska.gov/apps-courts-epub/public/viewAdvanced?docId=N00013220PUB","text":"Nebraska.gov\n+2"},{"href":"https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00010306PUB","text":"Nebraska.gov\n+2"},{"href":"https://law.justia.com/cases/nebraska/supreme-court/2016/s-15-617.html","text":"Justia Law"},{"href":"https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00010018PUB","text":"Nebraska.gov\n+2"},{"href":"https://law.justia.com/cases/nebraska/supreme-court/1969/37209-1.html","text":"Justia Law"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.30","text":"eCFR\n+5"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1024/41","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://uscode.house.gov/us/usc/119-124/t11/s362/","text":"USCode"},{"href":"https://www.govinfo.gov/link/uscode/50/3953","text":"GovInfo"},{"href":"https://uscode.house.gov/us/usc/119-124/t50/s3918/","text":"USCode"}],"row_links":[[],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=76-1001","text":"Nebraska Legislature\n+1"}],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=76-1003","text":"Nebraska Legislature\n+2"}],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=76-1006","text":"Nebraska Legislature"}],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=76-1007","text":"Nebraska Legislature\n+1"}],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=76-1009","text":"Nebraska Legislature\n+1"}],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=76-1011","text":"Nebraska Legislature\n+3"}],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=76-1016","text":"Nebraska Legislature\n+2"}],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=40-103","text":"Nebraska Legislature\n+1"}],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=76-1902","text":"Nebraska Legislature\n+3"}],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=24-302&utm_source=chatgpt.com","text":"Nebraska Legislature\n+1"}],[{"href":"https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00010563PUB","text":"Nebraska.gov\n+3"}],[{"href":"https://law.justia.com/cases/nebraska/supreme-court/2003/487-1.html","text":"Justia Law\n+5"}],[{"href":"https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00004221PUB","text":"Nebraska.gov\n+2"}],[{"href":"https://www.nebraska.gov/apps-courts-epub/public/viewAdvanced?docId=N00013220PUB","text":"Nebraska.gov\n+2"}],[{"href":"https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00010306PUB","text":"Nebraska.gov\n+2"}],[{"href":"https://law.justia.com/cases/nebraska/supreme-court/2016/s-15-617.html","text":"Justia Law"}],[{"href":"https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00010018PUB","text":"Nebraska.gov\n+2"}],[{"href":"https://law.justia.com/cases/nebraska/supreme-court/1969/37209-1.html","text":"Justia Law"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.30","text":"eCFR\n+5"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1024/41","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t11/s362/","text":"USCode"}],[{"href":"https://www.govinfo.gov/link/uscode/50/3953","text":"GovInfo"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t50/s3918/","text":"USCode"}],[],[]],"rows":[["Source ID","Title, issuer, full literal URL and pinpoint","Status/access/read bounds"],["S_NE-P27-S001","Nebraska Trust Deeds Act definitions and secured obligations, Nebraska Legislature.\nhttps://nebraskalegislature.gov/laws/statutes.php?statute=76-1001 — complete section.\nhttps://nebraskalegislature.gov/laws/statutes.php?statute=76-1002 — complete section.","Current official HTML freshly read 2026-10-26 PT/UTC. Printed page/PDF index N/A. \nNebraska Legislature\n+1"],["S_NE-P27-S002","Trustee qualification, substitution, and power of sale.\nhttps://nebraskalegislature.gov/laws/statutes.php?statute=76-1003 — complete section.\nhttps://nebraskalegislature.gov/laws/statutes.php?statute=76-1004 — subsections (1)–(7).\nhttps://nebraskalegislature.gov/laws/statutes.php?statute=76-1005 — complete section.","Current official HTML freshly read 2026-10-26. §76-1004’s post-1997/post-2010 provisions qualify the older affidavit and notice text. \nNebraska Legislature\n+2"],["S_NE-P27-S003","Default notice. https://nebraskalegislature.gov/laws/statutes.php?statute=76-1006; subsections (1)–(2).","Current official HTML; fresh 2026-10-26. Material farm and municipal exceptions read. \nNebraska Legislature"],["S_NE-P27-S004","Notice of sale and recipients.\nhttps://nebraskalegislature.gov/laws/statutes.php?statute=76-1007 — complete section.\nhttps://nebraskalegislature.gov/laws/statutes.php?statute=76-1008 — complete section.","Current official HTML; fresh 2026-10-26. §76-1007 source history includes 2023 LB 92. \nNebraska Legislature\n+1"],["S_NE-P27-S005","Auction, postponement, deed, and termination of rights.\nhttps://nebraskalegislature.gov/laws/statutes.php?statute=76-1009 — complete section.\nhttps://nebraskalegislature.gov/laws/statutes.php?statute=76-1010 — subsections (1)–(2).","Current official HTML; fresh 2026-10-26. \nNebraska Legislature\n+1"],["S_NE-P27-S006","Proceeds, objections, reinstatement, and deficiency boundary.\nhttps://nebraskalegislature.gov/laws/statutes.php?statute=76-1011\nhttps://nebraskalegislature.gov/laws/statutes.php?statute=76-1011.01\nhttps://nebraskalegislature.gov/laws/statutes.php?statute=76-1012\nhttps://nebraskalegislature.gov/laws/statutes.php?statute=76-1013","Complete current official HTML freshly read 2026-10-26. Full deficiency merits expressly deferred. \nNebraska Legislature\n+3"],["S_NE-P27-S007","Debt transfer, recordable instruments, and Act status.\nhttps://nebraskalegislature.gov/laws/statutes.php?statute=76-1016\nhttps://nebraskalegislature.gov/laws/statutes.php?statute=76-1017\nhttps://nebraskalegislature.gov/laws/statutes.php?statute=76-1018","Complete current official HTML; fresh 2026-10-26. \nNebraska Legislature\n+2"],["S_NE-P27-S008","Nebraska homestead trust-deed exception and spouse execution.\nhttps://nebraskalegislature.gov/laws/statutes.php?statute=40-103\nhttps://nebraskalegislature.gov/laws/statutes.php?statute=40-104","Current official HTML; fresh 2026-10-26. §40-103 reflects 2024 LB 1195. \nNebraska Legislature\n+1"],["S_NE-P27-S009","Farm Homestead Protection Act boundary.\nhttps://nebraskalegislature.gov/laws/statutes.php?statute=76-1902\nhttps://nebraskalegislature.gov/laws/statutes.php?statute=76-1906\nhttps://nebraskalegislature.gov/laws/statutes.php?statute=76-1907\nhttps://nebraskalegislature.gov/laws/statutes.php?statute=76-1910","Current official HTML freshly read 2026-10-26. Agricultural branch only. \nNebraska Legislature\n+3"],["S_NE-P27-S010","District-court jurisdiction and injunction security.\nhttps://nebraskalegislature.gov/laws/statutes.php?statute=24-302\nhttps://nebraskalegislature.gov/laws/statutes.php?statute=25-1067","Current official HTML; fresh 2026-10-26. No case-specific bond amount. \nNebraska Legislature\n+1"],["S_NE-P27-S011","First National Bank North Platte v. Cardenas, 299 Neb. 497 (2018). https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00010563PUB; printed pp.511–513/PDF indices 14–16.","Final official Nebraska Supreme Court PDF; freshly read and pages visually inspected. \nNebraska.gov\n+3"],["S_NE-P27-S012","Gilroy v. Ryberg, 266 Neb. 617 (2003). https://law.justia.com/cases/nebraska/supreme-court/2003/487-1.html; relevant reported pp.554–555; HTML reproduction, PDF index N/A.","Public reproduction of actual final Nebraska Supreme Court opinion; fresh 2026-10-26. \nJustia Law\n+5"],["S_NE-P27-S013","First National Bank of Omaha v. Davey, 285 Neb. 835 (2013). https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00004221PUB; printed pp.835 and 839/PDF indices 0 and 4.","Final official Nebraska Supreme Court PDF; fresh 2026-10-26. \nNebraska.gov\n+2"],["S_NE-P27-S014","American Exchange Bank v. Topp, 321 Neb. 409 (2026). https://www.nebraska.gov/apps-courts-epub/public/viewAdvanced?docId=N00013220PUB; printed pp.409, 414–415/PDF indices 0, 5–6.","Final published Nebraska Supreme Court opinion filed May 15, 2026; fresh 2026-10-26. \nNebraska.gov\n+2"],["S_NE-P27-S015","Mutual of Omaha Bank v. Watson, 297 Neb. 479 (2017). https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00010306PUB; printed pp.492–493/PDF indices 13–14.","Final official Nebraska Supreme Court PDF; fresh 2026-10-26. \nNebraska.gov\n+2"],["S_NE-P27-S016","First Nebraska Educators Credit Union v. U.S. Bancorp, 293 Neb. 308 (2016). https://law.justia.com/cases/nebraska/supreme-court/2016/s-15-617.html; reported pp.308–316; HTML reproduction, PDF index N/A.","Public reproduction of actual final opinion; fresh 2026-10-26. \nJustia Law"],["S_NE-P27-S017","Klein v. Oakland/Red Oak Holdings, 294 Neb. 535 (2016). https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00010018PUB; printed pp.541 and 549/PDF indices 6 and 14.","Final official Nebraska Supreme Court PDF; fresh 2026-10-26. \nNebraska.gov\n+2"],["S_NE-P27-S018","Blair Company v. American Savings Company, 184 Neb. 557 (1969). https://law.justia.com/cases/nebraska/supreme-court/1969/37209-1.html; actual opinion HTML, PDF index N/A.","Public reproduction of final opinion; used only for Nebraska constitutional enactment holding, not federal state action. \nJustia Law"],["S_NE-P27-S019","Regulation X scope, definitions, early intervention, and loss mitigation.\nhttps://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.30\nhttps://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.31\nhttps://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.39\nhttps://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.41","eCFR displayed Title 12 current through October 22, 2026 and last amended October 2, 2026; authoritative but unofficial. Complete material clauses read. \neCFR\n+5"],["S_NE-P27-S020","CFPB Official Interpretations to §1024.41. https://www.consumerfinance.gov/rules-policy/regulations/1024/41/; first-notice interpretation and sale commentary.","Current official Bureau webpage freshly read 2026-10-26. \nConsumer Financial Protection Bureau\n+1"],["S_NE-P27-S021","Bankruptcy automatic stay. https://uscode.house.gov/us/usc/119-124/t11/s362/; subsections (a)–(c) and material exceptions.","Official U.S. Code through PL 119-124, October 15, 2026; fresh 2026-10-26. \nUSCode"],["S_NE-P27-S022","SCRA mortgage/trust-deed protection. https://www.govinfo.gov/link/uscode/50/3953; printed p.998/PDF index 0, subsections (a)–(d).","Official GovInfo PDF freshly read and visually inspected. \nGovInfo"],["S_NE-P27-S023","SCRA waiver. https://uscode.house.gov/us/usc/119-124/t50/s3918/; subsections (a)–(c).","Official U.S. Code through PL 119-124, October 15, 2026; fresh 2026-10-26. \nUSCode"],["S_NE-P27-S024","Nebraska Judicial Branch forms page. https://nebraskajudicial.gov/forms","Current public page checked 2026-10-26. No statewide nonjudicial trustee-sale challenge or consumer cure form located. Bounded negative search, not absence proof."],["S_NE-P27-S025","Bounded Nebraska appellate, statutory, federal-regulation, and official-form searches.","Search-only work 2026-10-26. No complete paid citator, title search, local recording manual, unpublished-order universe, or session-law history audit."]]},{"headers":["Claim ID","Precise bounded claim","Source/pinpoint","Conditions, consequence, confidence"],"index":10,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise bounded claim","Source/pinpoint","Conditions, consequence, confidence"],["S_NE-P27-C001","Nebraska recognizes both nonjudicial trustee sale and judicial mortgage foreclosure as distinct deed-of-trust enforcement routes.","S002 §76-1005; S013 p.835/PDF0","High"],["S_NE-P27-C002","Nonjudicial sale requires an express power of sale in the trust deed.","S002 §76-1005","High"],["S_NE-P27-C003","Trust deed may secure existing, simultaneous, protective, optional future, or another person’s obligation.","S001 §76-1002","Actual deed controls; high"],["S_NE-P27-C004","Trustee must satisfy §76-1003’s professional or institutional qualifications.","S002 §76-1003","High"],["S_NE-P27-C005","Beneficiary cannot also be trustee unless qualifying under specified institutional branches.","S002 §76-1003(2)","High"],["S_NE-P27-C006","Successor trustee’s statutory authority begins with compliant recordation in each property county.","S002 §76-1004(1)–(2)","High"],["S_NE-P27-C007","No substitution affidavit has been required since April 3, 1997, and no notice to replaced trustee since March 4, 2010.","S002 §76-1004(5)–(6)","High"],["S_NE-P27-C008","Transfer of secured debt transfers the security; recorded assignment is not itself notice to trustor invalidating payment to the note holder.","S007 §§76-1016–1017","Actual transfer/account link remains factual; high"],["S_NE-P27-C009","Missing assignment recording alone neither proves nor disproves current beneficiary authority.","C008 synthesis","High bounded conclusion"],["S_NE-P27-C010","Trustee or attorney must record default notice in every property county before exercising power.","S003 §76-1006(1)(a)","High"],["S_NE-P27-C011","Default notice must identify deed, property, breach nature, and election to sell.","S003 §76-1006(1)(a)","High"],["S_NE-P27-C012","Ordinary sale notice cannot begin until at least one month after default notice recordation.","S003 §76-1006(1)(c)","Farm branch uses two months; high"],["S_NE-P27-C013","Nonfarm default notice need not include a narrative of §76-1012 cure rights.","S011 pp.511–513/PDF14–16","Contract may add conditions; high"],["S_NE-P27-C014","Parties to deed and proper recorded requesters receive default notice within 10 days and sale notice at least 20 days before sale.","S004 §76-1008(2)–(3)","Correct address/request required; high"],["S_NE-P27-C015","A nonparty junior lienholder without a compliant recorded request is not automatically entitled to §76-1008 notice.","S016 pp.308–316","High"],["S_NE-P27-C016","If deed has no trustor address and trustor recorded no request, default notice must be published 3 times over 3 weeks beginning within 10 days.","S004 §76-1008(4)","High"],["S_NE-P27-C017","Sale notice requires 5 weekly publications over 5 consecutive weeks; last publication 10–30 days before sale.","S004 §76-1007(1)","High"],["S_NE-P27-C018","Sale must occur 9 a.m.–5 p.m. at a statutory county location.","S004 §76-1007(2)","High"],["S_NE-P27-C019","Reinstatement ordinarily runs one month from recordation, not receipt.","S006 §76-1012(1)","Farm branch two months; high"],["S_NE-P27-C020","Reinstatement excludes accelerated principal not otherwise due and includes actual arrears/costs and capped actual trustee fees.","S006 §76-1012(1)","Actual ledger required; high"],["S_NE-P27-C021","Trustee-fee cap during reinstatement is greater of $50 or 0.5% of entire unpaid principal, but only fees actually incurred are collectible.","S006 §76-1012(1)","High"],["S_NE-P27-C022","Actual payment or tender is required; willingness to cure is insufficient.","S011 p.512/PDF15","High"],["S_NE-P27-C023","Valid cure reinstates as though acceleration never occurred and requires discontinuation of proceedings.","S006 §76-1012(1)","High"],["S_NE-P27-C024","Beneficiary refusing for 30 days after demand to request cancellation can owe resulting damages.","S006 §76-1012(1)","Valid prior cure and demand required; high"],["S_NE-P27-C025","Before sale, a qualifying person can pay the entire amount then due plus actual allowed costs under §76-1012(2).","S006 §76-1012(2)","Contract/acceleration controls amount; high"],["S_NE-P27-C026","Partial payment or negotiation alone is not statutory reinstatement or stay.","C019–C025 synthesis","Actual agreement may differ; high"],["S_NE-P27-C027","Trustee sale is public auction to highest bidder; beneficiary may bid.","S005 §76-1009","High"],["S_NE-P27-C028","Reviewed statute does not expressly prescribe a credit-bid mechanism.","S005 §§76-1009–1010","Unresolved/held"],["S_NE-P27-C029","Sale can be postponed by public declaration at last sale time/place; >45-day postponement requires full renotice.","S005 §76-1009","High"],["S_NE-P27-C030","Defaulting purchaser requires fully renoticed resale and can be liable for loss.","S005 §76-1009","High"],["S_NE-P27-C031","Purchaser must pay forthwith, interpreted as reasonable time under circumstances.","S005 §76-1010; S012","High"],["S_NE-P27-C032","Trustor and successor interests terminate on acceptance of highest bid.","S005 §76-1010(2)","High"],["S_NE-P27-C033","Trustee deed conveys without post-sale right of redemption.","S005 §76-1010(2)","Farm Act is separate; high"],["S_NE-P27-C034","Trustee-deed recitals are prima facie generally and conclusive for qualifying BFPs without notice.","S005 §76-1010(1)","Actual BFP status required; high"],["S_NE-P27-C035","Sale defects are void, voidable, or inconsequential; voidable relief requires prejudice and is cut off by BFP.","S012 pp.554–555","High"],["S_NE-P27-C036","Trustee sale does not guarantee title against surviving senior or independent recorded interests.","S017 pp.541, 549/PDF6,14","High"],["S_NE-P27-C037","Sale proceeds pay costs, secured obligation, juniors, then surplus.","S006 §76-1011","High"],["S_NE-P27-C038","Bad-faith proceeds objection can produce fee shifting in interpleader or similar action.","S006 §76-1011.01","Judgment and bad faith required; high"],["S_NE-P27-C039","Deficiency action has three-month and fair-market-value conditions.","S006 §76-1013; S014","Full calculation deferred; high boundary"],["S_NE-P27-C040","Valid consensual trust deed is an exception to ordinary Nebraska homestead execution protection.","S008 §40-103","Valid execution/acknowledgment required; high"],["S_NE-P27-C041","Married homestead generally requires both spouses’ execution and acknowledgment.","S008 §40-104","Statutory/purchase-money exceptions; high"],["S_NE-P27-C042","Purchase-money deed given with acquisition can defeat later homestead/spouse-signature objection.","S015 pp.492–493/PDF13–14","Same-transaction facts required; high"],["S_NE-P27-C043","Farm Homestead Protection Act applies only to detailed agricultural/protected-property predicates.","S009","High"],["S_NE-P27-C044","Qualifying farm trustor may petition within two months after default notice for redemptive homestead.","S009 §76-1906(2)","Appraisal and designation required; high"],["S_NE-P27-C045","District courts have general equity jurisdiction over sale challenges.","S010 §24-302; S012/S017","Venue and parties remain factual; high"],["S_NE-P27-C046","Nebraska injunction ordinarily requires court-fixed security before operating.","S010 §25-1067","Special statute/order may differ; high"],["S_NE-P27-C047","Complaint, dispute, or negotiation alone does not stay sale.","State/federal synthesis","Actual agreement/order may; high"],["S_NE-P27-C048","Regulation X §§1024.39–.41 apply only to covered principal-residence mortgage loans and servicers.","S019 §§1024.30–.31","High"],["S_NE-P27-C049","Small servicer, reverse mortgage, and qualifying Farm Credit exemptions limit federal coverage.","S019 §1024.30(b)","§1024.41(j) preserved; high"],["S_NE-P27-C050","Covered servicer generally cannot make first foreclosure filing before >120 days delinquency.","S019 §1024.41(f)(1)","Due-on-sale/joinder exceptions; high"],["S_NE-P27-C051","Nebraska default notice is likely Regulation X first filing because it is earliest required recorded foreclosure document.","S003 + S020 official interpretation","Explicitly an inference; high"],["S_NE-P27-C052","Application 45+ days before sale triggers 5-business-day acknowledgment requirements.","S019 §1024.41(b)(2)","Coverage and receipt facts required; high"],["S_NE-P27-C053","Complete application >37 days before sale triggers evaluation and sale protections.","S019 §1024.41(c),(g)","Exceptions apply; high"],["S_NE-P27-C054","Complete application 90+ days before sale or before first filing can trigger appeal rights.","S019 §1024.41(h)","Loan-modification denial only; high"],["S_NE-P27-C055","Duplicative-request rule can eliminate repeat §1024.41 duties during continuous delinquency.","S019 §1024.41(i)","Prior complete review required; high"],["S_NE-P27-C056","Small servicer remains subject to 120-day gate and cannot foreclose while borrower performs loss-mitigation agreement.","S019 §1024.41(j)","High"],["S_NE-P27-C057","Bankruptcy petition generally stays lien enforcement and sale, subject to exceptions and court orders.","S021 §362(a)–(c)","Actual case required; high boundary"],["S_NE-P27-C058","SCRA can invalidate covered sale during service or one year afterward absent prior court order or valid waiver.","S022 §3953","Pre-service obligation and servicemember ownership required; high"],["S_NE-P27-C059","SCRA waiver must be separate, written, service-period compliant, specific, and at least 12-point type.","S023 §3918","High"],["S_NE-P27-C060","No ordinary residential post-sale redemption period exists under the Nebraska Trust Deeds Act.","S005 §76-1010","Agricultural and judicial routes distinct; high"]]},{"headers":["Assigned question or subissue","Status","Linked claims","Exact missing evidence or next action"],"index":11,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Assigned question or subissue","Status","Linked claims","Exact missing evidence or next action"],["Trust-deed scope and definitions","Answered","C001–C003","Actual instrument and obligation"],["Express power of sale","Answered","C002","Actual deed language"],["Eligible trustee","Answered","C004–C005","Actual trustee qualification"],["Successor trustee","Answered","C006–C007","Recorded substitution"],["Beneficiary/assignment authority","Answered as legal rule; facts unresolved","C008–C009","Note, assignments, servicing authority, account link"],["Owner-occupied status under state Act","Answered as not core state limitation","C048 boundary","Actual occupancy for federal/homestead rules"],["Spouse/homestead execution","Answered generally","C040–C042","Marriage, homestead, signature, purchase-money facts"],["Default and acceleration","Partial","C010–C013","Actual contract, ledger, notices"],["Recorded default notice content","Answered","C010–C013","Actual notice"],["State waiting period","Answered","C012","Recordation date"],["Reinstatement","Answered","C019–C025","Tender, quote, costs"],["Fee formula","Answered","C020–C021","Actual unpaid principal and incurred fees"],["Partial payment/negotiation","Answered as no automatic cure","C026, C047","Actual agreement or order"],["Notice recipients","Answered","C014–C016","Party status, request, addresses"],["Junior lienholder notice","Answered conditionally","C015","Recorded request"],["Occupant notice","Unresolved outside deed-party/request rules","—","Tenancy, federal, contract authority"],["Publication","Answered","C017–C018","Publication affidavits"],["Sale timing/location","Answered","C017–C018","Actual notice and date"],["Postponement","Answered","C029","Public declaration and date span"],["Cancellation","Answered after cure; other cancellation partial","C023–C024","Actual beneficiary/trustee instruction"],["Bidding","Answered generally","C027","Sale terms"],["Credit bid","Unresolved","C028","Contract, trustee practice, controlling authority"],["Purchaser payment","Answered generally","C030–C031","Actual sale conditions"],["Certificate of sale","No separate statutory certificate verified","C031–C034","Local practice, if any"],["Trustee deed","Answered","C032–C034","Actual deed and payment"],["Deed recording","Answered as recordable/notice; not conveyance condition","C034","Actual delivery and recording"],["No post-sale redemption","Answered","C032–C033, C060","Agricultural/judicial facts if claimed"],["Defect/prejudice/BFP","Answered generally","C034–C036","Actual defect and title transfers"],["Senior/subordinate liens","Answered as priority framework","C036–C038","Title, recordings, payoffs"],["Proceeds","Answered","C037–C038","Actual costs, liens, surplus claimant"],["Deficiency boundary","Answered narrowly","C039","Later deficiency pass"],["Pre-sale injunction","Answered generally","C045–C047","Pleading, bond, actual court order"],["Post-sale set-aside","Answered generally","C035–C036","Defect category, prejudice, BFP"],["Due process/state action","Unresolved","—","On-point controlling facts and authority"],["Nebraska farm redemption","Answered as separate branch","C043–C044","Agricultural predicates"],["Reg X scope","Answered generally","C048–C049","Loan/servicer/principal-residence facts"],["Reg X 120-day gate","Answered","C050–C051","Delinquency and exceptions"],["Application acknowledgment","Answered","C052","Application receipt and sale date"],["Dual tracking","Answered","C053–C056","Completeness, timing, prior application"],["Bankruptcy stay","Answered as conditional gateway","C057","Actual petition, exceptions, orders"],["SCRA","Answered as conditional gateway","C058–C059","Service, origination, ownership, waiver/order"],["2025/2026 currentness","Partially answered","S014, S019","No complete Nebraska session-law/citator audit"],["Official forms","Answered for statutory forms","S002–S006, S024","No standalone statewide forms found"],["Local recording procedure","Excluded","—","County-specific later work"],["Judicial mortgage foreclosure","Excluded","C001 boundary","Separate pass"],["Deficiency valuation/guaranty","Excluded except boundary","C039","Separate pass"],["Post-sale possession/eviction","Excluded","—","Separate pass"],["Full servicing/remedy damages","Excluded","—","Separate federal/state remedies pass"],["HOA/tax liens","Excluded","—","Separate sector work"],["Commercial/agricultural full dossier","Excluded except farm boundary","C043–C044","Separate sector work"],["Local/tribal/foreign-country law","Excluded","—","Separate jurisdictional work"],["Named property/borrower result","Not performed","—","Private records unavailable and prohibited"],["Nebraska/component/parent/A066 acceptance","Not granted","—","Remaining assignments and review"]]}],"claims":[{"claim_id":"S_NE-P27-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C001","Precise bounded claim":"Nebraska recognizes both nonjudicial trustee sale and judicial mortgage foreclosure as distinct deed-of-trust enforcement routes.","Source/pinpoint":"S002 §76-1005; S013 p.835/PDF0","Conditions, consequence, confidence":"High"},"coordinator_verification_status":"supported_with_original_predicates_and_source_record_limits","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.Actualmajority/casefacts/reporter/printedpage-PDFpinpointsneedG2qualification;no all-guarantor or missing-signature factualshortcut.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C002","Precise bounded claim":"Nonjudicial sale requires an express power of sale in the trust deed.","Source/pinpoint":"S002 §76-1005","Conditions, consequence, confidence":"High"},"coordinator_verification_status":"supported_with_original_predicates_and_source_record_limits","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C003","Precise bounded claim":"Trust deed may secure existing, simultaneous, protective, optional future, or another person’s obligation.","Source/pinpoint":"S001 §76-1002","Conditions, consequence, confidence":"Actual deed controls; high"},"coordinator_verification_status":"supported_with_original_predicates_and_source_record_limits","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C004","Precise bounded claim":"Trustee must satisfy §76-1003’s professional or institutional qualifications.","Source/pinpoint":"S002 §76-1003","Conditions, consequence, confidence":"High"},"coordinator_verification_status":"supported_with_original_predicates_and_source_record_limits","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C005","Precise bounded claim":"Beneficiary cannot also be trustee unless qualifying under specified institutional branches.","Source/pinpoint":"S002 §76-1003(2)","Conditions, consequence, confidence":"High"},"coordinator_verification_status":"supported_with_original_predicates_and_source_record_limits","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C006","Precise bounded claim":"Successor trustee’s statutory authority begins with compliant recordation in each property county.","Source/pinpoint":"S002 §76-1004(1)–(2)","Conditions, consequence, confidence":"High"},"coordinator_verification_status":"supported_with_original_predicates_and_source_record_limits","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C007","Precise bounded claim":"No substitution affidavit has been required since April 3, 1997, and no notice to replaced trustee since March 4, 2010.","Source/pinpoint":"S002 §76-1004(5)–(6)","Conditions, consequence, confidence":"High"},"coordinator_verification_status":"supported_with_original_predicates_and_source_record_limits","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C008","Precise bounded claim":"Transfer of secured debt transfers the security; recorded assignment is not itself notice to trustor invalidating payment to the note holder.","Source/pinpoint":"S007 §§76-1016–1017","Conditions, consequence, confidence":"Actual transfer/account link remains factual; high"},"coordinator_verification_status":"supported_with_original_predicates_and_source_record_limits","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C009","Precise bounded claim":"Missing assignment recording alone neither proves nor disproves current beneficiary authority.","Source/pinpoint":"C008 synthesis","Conditions, consequence, confidence":"High bounded conclusion"},"coordinator_verification_status":"bounded_negative_or_explicit_inference_retained_not_actual_application","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C010","Precise bounded claim":"Trustee or attorney must record default notice in every property county before exercising power.","Source/pinpoint":"S003 §76-1006(1)(a)","Conditions, consequence, confidence":"High"},"coordinator_verification_status":"supported_with_original_predicates_and_source_record_limits","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C011","Precise bounded claim":"Default notice must identify deed, property, breach nature, and election to sell.","Source/pinpoint":"S003 §76-1006(1)(a)","Conditions, consequence, confidence":"High"},"coordinator_verification_status":"supported_with_original_predicates_and_source_record_limits","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C012","Precise bounded claim":"Ordinary sale notice cannot begin until at least one month after default notice recordation.","Source/pinpoint":"S003 §76-1006(1)(c)","Conditions, consequence, confidence":"Farm branch uses two months; high"},"coordinator_verification_status":"core_supported_pre_maturity_and_farm_gateway_precision_required","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.Both1012branchesrequireprincipalbecomedue/declaredbeforefixedmaturity;1006farmtestdistinctfrom1902.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C013","Precise bounded claim":"Nonfarm default notice need not include a narrative of §76-1012 cure rights.","Source/pinpoint":"S011 pp.511–513/PDF14–16","Conditions, consequence, confidence":"Contract may add conditions; high"},"coordinator_verification_status":"supported_with_original_predicates_and_source_record_limits","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C014","Precise bounded claim":"Parties to deed and proper recorded requesters receive default notice within 10 days and sale notice at least 20 days before sale.","Source/pinpoint":"S004 §76-1008(2)–(3)","Conditions, consequence, confidence":"Correct address/request required; high"},"coordinator_verification_status":"core_supported_exact_acknowledgment_recording_date_postage_request_effect_required","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C015","Precise bounded claim":"A nonparty junior lienholder without a compliant recorded request is not automatically entitled to §76-1008 notice.","Source/pinpoint":"S016 pp.308–316","Conditions, consequence, confidence":"High"},"coordinator_verification_status":"supported_with_original_predicates_and_source_record_limits","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C016","Precise bounded claim":"If deed has no trustor address and trustor recorded no request, default notice must be published 3 times over 3 weeks beginning within 10 days.","Source/pinpoint":"S004 §76-1008(4)","Conditions, consequence, confidence":"High"},"coordinator_verification_status":"supported_with_original_predicates_and_source_record_limits","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C017","Precise bounded claim":"Sale notice requires 5 weekly publications over 5 consecutive weeks; last publication 10–30 days before sale.","Source/pinpoint":"S004 §76-1007(1)","Conditions, consequence, confidence":"High"},"coordinator_verification_status":"supported_with_original_predicates_and_source_record_limits","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C018","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C018","Precise bounded claim":"Sale must occur 9 a.m.–5 p.m. at a statutory county location.","Source/pinpoint":"S004 §76-1007(2)","Conditions, consequence, confidence":"High"},"coordinator_verification_status":"supported_with_original_predicates_and_source_record_limits","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C019","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C019","Precise bounded claim":"Reinstatement ordinarily runs one month from recordation, not receipt.","Source/pinpoint":"S006 §76-1012(1)","Conditions, consequence, confidence":"Farm branch two months; high"},"coordinator_verification_status":"core_supported_pre_maturity_and_farm_gateway_precision_required","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.Both1012branchesrequireprincipalbecomedue/declaredbeforefixedmaturity;1006farmtestdistinctfrom1902.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C020","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C020","Precise bounded claim":"Reinstatement excludes accelerated principal not otherwise due and includes actual arrears/costs and capped actual trustee fees.","Source/pinpoint":"S006 §76-1012(1)","Conditions, consequence, confidence":"Actual ledger required; high"},"coordinator_verification_status":"core_supported_pre_maturity_and_farm_gateway_precision_required","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.Both1012branchesrequireprincipalbecomedue/declaredbeforefixedmaturity;1006farmtestdistinctfrom1902.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C021","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C021","Precise bounded claim":"Trustee-fee cap during reinstatement is greater of $50 or 0.5% of entire unpaid principal, but only fees actually incurred are collectible.","Source/pinpoint":"S006 §76-1012(1)","Conditions, consequence, confidence":"High"},"coordinator_verification_status":"core_supported_pre_maturity_and_farm_gateway_precision_required","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.Both1012branchesrequireprincipalbecomedue/declaredbeforefixedmaturity;1006farmtestdistinctfrom1902.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C022","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C022","Precise bounded claim":"Actual payment or tender is required; willingness to cure is insufficient.","Source/pinpoint":"S011 p.512/PDF15","Conditions, consequence, confidence":"High"},"coordinator_verification_status":"supported_with_original_predicates_and_source_record_limits","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C023","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C023","Precise bounded claim":"Valid cure reinstates as though acceleration never occurred and requires discontinuation of proceedings.","Source/pinpoint":"S006 §76-1012(1)","Conditions, consequence, confidence":"High"},"coordinator_verification_status":"core_supported_pre_maturity_and_farm_gateway_precision_required","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.Both1012branchesrequireprincipalbecomedue/declaredbeforefixedmaturity;1006farmtestdistinctfrom1902.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C024","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C024","Precise bounded claim":"Beneficiary refusing for 30 days after demand to request cancellation can owe resulting damages.","Source/pinpoint":"S006 §76-1012(1)","Conditions, consequence, confidence":"Valid prior cure and demand required; high"},"coordinator_verification_status":"supported_with_original_predicates_and_source_record_limits","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C025","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C025","Precise bounded claim":"Before sale, a qualifying person can pay the entire amount then due plus actual allowed costs under §76-1012(2).","Source/pinpoint":"S006 §76-1012(2)","Conditions, consequence, confidence":"Contract/acceleration controls amount; high"},"coordinator_verification_status":"core_supported_pre_maturity_and_farm_gateway_precision_required","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.Both1012branchesrequireprincipalbecomedue/declaredbeforefixedmaturity;1006farmtestdistinctfrom1902.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C026","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C026","Precise bounded claim":"Partial payment or negotiation alone is not statutory reinstatement or stay.","Source/pinpoint":"C019–C025 synthesis","Conditions, consequence, confidence":"Actual agreement may differ; high"},"coordinator_verification_status":"core_supported_pre_maturity_and_farm_gateway_precision_required","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.Both1012branchesrequireprincipalbecomedue/declaredbeforefixedmaturity;1006farmtestdistinctfrom1902.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C027","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C027","Precise bounded claim":"Trustee sale is public auction to highest bidder; beneficiary may bid.","Source/pinpoint":"S005 §76-1009","Conditions, consequence, confidence":"High"},"coordinator_verification_status":"supported_with_original_predicates_and_source_record_limits","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C028","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C028","Precise bounded claim":"Reviewed statute does not expressly prescribe a credit-bid mechanism.","Source/pinpoint":"S005 §§76-1009–1010","Conditions, consequence, confidence":"Unresolved/held"},"coordinator_verification_status":"bounded_negative_or_explicit_inference_retained_not_actual_application","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C029","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C029","Precise bounded claim":"Sale can be postponed by public declaration at last sale time/place; >45-day postponement requires full renotice.","Source/pinpoint":"S005 §76-1009","Conditions, consequence, confidence":"High"},"coordinator_verification_status":"supported_with_original_predicates_and_source_record_limits","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C030","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C030","Precise bounded claim":"Defaulting purchaser requires fully renoticed resale and can be liable for loss.","Source/pinpoint":"S005 §76-1009","Conditions, consequence, confidence":"High"},"coordinator_verification_status":"supported_with_original_predicates_and_source_record_limits","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C031","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C031","Precise bounded claim":"Purchaser must pay forthwith, interpreted as reasonable time under circumstances.","Source/pinpoint":"S005 §76-1010; S012","Conditions, consequence, confidence":"High"},"coordinator_verification_status":"supported_with_original_predicates_and_source_record_limits","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C032","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C032","Precise bounded claim":"Trustor and successor interests terminate on acceptance of highest bid.","Source/pinpoint":"S005 §76-1010(2)","Conditions, consequence, confidence":"High"},"coordinator_verification_status":"supported_with_original_predicates_and_source_record_limits","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C033","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C033","Precise bounded claim":"Trustee deed conveys without post-sale right of redemption.","Source/pinpoint":"S005 §76-1010(2)","Conditions, consequence, confidence":"Farm Act is separate; high"},"coordinator_verification_status":"supported_with_original_predicates_and_source_record_limits","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C034","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C034","Precise bounded claim":"Trustee-deed recitals are prima facie generally and conclusive for qualifying BFPs without notice.","Source/pinpoint":"S005 §76-1010(1)","Conditions, consequence, confidence":"Actual BFP status required; high"},"coordinator_verification_status":"supported_with_original_predicates_and_source_record_limits","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C035","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C035","Precise bounded claim":"Sale defects are void, voidable, or inconsequential; voidable relief requires prejudice and is cut off by BFP.","Source/pinpoint":"S012 pp.554–555","Conditions, consequence, confidence":"High"},"coordinator_verification_status":"supported_with_original_predicates_and_source_record_limits","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.Actualmajority/casefacts/reporter/printedpage-PDFpinpointsneedG2qualification;no all-guarantor or missing-signature factualshortcut.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C036","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C036","Precise bounded claim":"Trustee sale does not guarantee title against surviving senior or independent recorded interests.","Source/pinpoint":"S017 pp.541, 549/PDF6,14","Conditions, consequence, confidence":"High"},"coordinator_verification_status":"supported_with_original_predicates_and_source_record_limits","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.Actualmajority/casefacts/reporter/printedpage-PDFpinpointsneedG2qualification;no all-guarantor or missing-signature factualshortcut.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C037","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C037","Precise bounded claim":"Sale proceeds pay costs, secured obligation, juniors, then surplus.","Source/pinpoint":"S006 §76-1011","Conditions, consequence, confidence":"High"},"coordinator_verification_status":"supported_with_original_predicates_and_source_record_limits","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C038","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C038","Precise bounded claim":"Bad-faith proceeds objection can produce fee shifting in interpleader or similar action.","Source/pinpoint":"S006 §76-1011.01","Conditions, consequence, confidence":"Judgment and bad faith required; high"},"coordinator_verification_status":"mandatory_consequence_wording_correction_required","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.1011.01SHALLwhenholderjudgmentandobjectorwithoutgoodfaithpredicatesmet.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C039","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C039","Precise bounded claim":"Deficiency action has three-month and fair-market-value conditions.","Source/pinpoint":"S006 §76-1013; S014","Conditions, consequence, confidence":"Full calculation deferred; high boundary"},"coordinator_verification_status":"supported_with_original_predicates_and_source_record_limits","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.Actualmajority/casefacts/reporter/printedpage-PDFpinpointsneedG2qualification;no all-guarantor or missing-signature factualshortcut.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C040","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C040","Precise bounded claim":"Valid consensual trust deed is an exception to ordinary Nebraska homestead execution protection.","Source/pinpoint":"S008 §40-103","Conditions, consequence, confidence":"Valid execution/acknowledgment required; high"},"coordinator_verification_status":"supported_with_original_predicates_and_source_record_limits","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C041","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C041","Precise bounded claim":"Married homestead generally requires both spouses’ execution and acknowledgment.","Source/pinpoint":"S008 §40-104","Conditions, consequence, confidence":"Statutory/purchase-money exceptions; high"},"coordinator_verification_status":"supported_with_original_predicates_and_source_record_limits","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C042","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C042","Precise bounded claim":"Purchase-money deed given with acquisition can defeat later homestead/spouse-signature objection.","Source/pinpoint":"S015 pp.492–493/PDF13–14","Conditions, consequence, confidence":"Same-transaction facts required; high"},"coordinator_verification_status":"supported_with_original_predicates_and_source_record_limits","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.Actualmajority/casefacts/reporter/printedpage-PDFpinpointsneedG2qualification;no all-guarantor or missing-signature factualshortcut.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C043","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C043","Precise bounded claim":"Farm Homestead Protection Act applies only to detailed agricultural/protected-property predicates.","Source/pinpoint":"S009","Conditions, consequence, confidence":"High"},"coordinator_verification_status":"supported_with_original_predicates_and_source_record_limits","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C044","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C044","Precise bounded claim":"Qualifying farm trustor may petition within two months after default notice for redemptive homestead.","Source/pinpoint":"S009 §76-1906(2)","Conditions, consequence, confidence":"Appraisal and designation required; high"},"coordinator_verification_status":"supported_with_original_predicates_and_source_record_limits","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C045","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C045","Precise bounded claim":"District courts have general equity jurisdiction over sale challenges.","Source/pinpoint":"S010 §24-302; S012/S017","Conditions, consequence, confidence":"Venue and parties remain factual; high"},"coordinator_verification_status":"supported_with_original_predicates_and_source_record_limits","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.Actualmajority/casefacts/reporter/printedpage-PDFpinpointsneedG2qualification;no all-guarantor or missing-signature factualshortcut.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C046","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C046","Precise bounded claim":"Nebraska injunction ordinarily requires court-fixed security before operating.","Source/pinpoint":"S010 §25-1067","Conditions, consequence, confidence":"Special statute/order may differ; high"},"coordinator_verification_status":"supported_with_original_predicates_and_source_record_limits","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.1067specialstatuteexception;ordinarycourtorderaloneisnotautomaticsecuritywaiver.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C047","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C047","Precise bounded claim":"Complaint, dispute, or negotiation alone does not stay sale.","Source/pinpoint":"State/federal synthesis","Conditions, consequence, confidence":"Actual agreement/order may; high"},"coordinator_verification_status":"supported_with_original_predicates_and_source_record_limits","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C048","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C048","Precise bounded claim":"Regulation X §§1024.39–.41 apply only to covered principal-residence mortgage loans and servicers.","Source/pinpoint":"S019 §§1024.30–.31","Conditions, consequence, confidence":"High"},"coordinator_verification_status":"supported_with_original_predicates_and_source_record_limits","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C049","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C049","Precise bounded claim":"Small servicer, reverse mortgage, and qualifying Farm Credit exemptions limit federal coverage.","Source/pinpoint":"S019 §1024.30(b)","Conditions, consequence, confidence":"§1024.41(j) preserved; high"},"coordinator_verification_status":"supported_with_original_predicates_and_source_record_limits","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C050","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C050","Precise bounded claim":"Covered servicer generally cannot make first foreclosure filing before >120 days delinquency.","Source/pinpoint":"S019 §1024.41(f)(1)","Conditions, consequence, confidence":"Due-on-sale/joinder exceptions; high"},"coordinator_verification_status":"supported_with_original_predicates_and_source_record_limits","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C051","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C051","Precise bounded claim":"Nebraska default notice is likely Regulation X first filing because it is earliest required recorded foreclosure document.","Source/pinpoint":"S003 + S020 official interpretation","Conditions, consequence, confidence":"Explicitly an inference; high"},"coordinator_verification_status":"bounded_negative_or_explicit_inference_retained_not_actual_application","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C052","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C052","Precise bounded claim":"Application 45+ days before sale triggers 5-business-day acknowledgment requirements.","Source/pinpoint":"S019 §1024.41(b)(2)","Conditions, consequence, confidence":"Coverage and receipt facts required; high"},"coordinator_verification_status":"core_supported_facial_complete_transfer_and_exact_federal_predicates_required","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.G3boundedgatewayamendment,actualapplicationreceipt/continuity/priorcomplianceunknown.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C053","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C053","Precise bounded claim":"Complete application >37 days before sale triggers evaluation and sale protections.","Source/pinpoint":"S019 §1024.41(c),(g)","Conditions, consequence, confidence":"Exceptions apply; high"},"coordinator_verification_status":"core_supported_facial_complete_transfer_and_exact_federal_predicates_required","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.G3boundedgatewayamendment,actualapplicationreceipt/continuity/priorcomplianceunknown.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C054","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C054","Precise bounded claim":"Complete application 90+ days before sale or before first filing can trigger appeal rights.","Source/pinpoint":"S019 §1024.41(h)","Conditions, consequence, confidence":"Loan-modification denial only; high"},"coordinator_verification_status":"core_supported_facial_complete_transfer_and_exact_federal_predicates_required","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.G3boundedgatewayamendment,actualapplicationreceipt/continuity/priorcomplianceunknown.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C055","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C055","Precise bounded claim":"Duplicative-request rule can eliminate repeat §1024.41 duties during continuous delinquency.","Source/pinpoint":"S019 §1024.41(i)","Conditions, consequence, confidence":"Prior complete review required; high"},"coordinator_verification_status":"core_supported_facial_complete_transfer_and_exact_federal_predicates_required","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.G3boundedgatewayamendment,actualapplicationreceipt/continuity/priorcomplianceunknown.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C056","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C056","Precise bounded claim":"Small servicer remains subject to 120-day gate and cannot foreclose while borrower performs loss-mitigation agreement.","Source/pinpoint":"S019 §1024.41(j)","Conditions, consequence, confidence":"High"},"coordinator_verification_status":"core_supported_facial_complete_transfer_and_exact_federal_predicates_required","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.G3boundedgatewayamendment,actualapplicationreceipt/continuity/priorcomplianceunknown.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C057","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C057","Precise bounded claim":"Bankruptcy petition generally stays lien enforcement and sale, subject to exceptions and court orders.","Source/pinpoint":"S021 §362(a)–(c)","Conditions, consequence, confidence":"Actual case required; high boundary"},"coordinator_verification_status":"supported_with_original_predicates_and_source_record_limits","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C058","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C058","Precise bounded claim":"SCRA can invalidate covered sale during service or one year afterward absent prior court order or valid waiver.","Source/pinpoint":"S022 §3953","Conditions, consequence, confidence":"Pre-service obligation and servicemember ownership required; high"},"coordinator_verification_status":"supported_with_original_predicates_and_source_record_limits","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.Priororderexceptionrequiresreturnmadeandapprovedbycourt.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C059","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C059","Precise bounded claim":"SCRA waiver must be separate, written, service-period compliant, specific, and at least 12-point type.","Source/pinpoint":"S023 §3918","Conditions, consequence, confidence":"High"},"coordinator_verification_status":"supported_with_original_predicates_and_source_record_limits","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.3918relevantforeclosurewrittenwaiverand(d)3917coveragebounds.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P27-C060","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P27-C060","Precise bounded claim":"No ordinary residential post-sale redemption period exists under the Nebraska Trust Deeds Act.","Source/pinpoint":"S005 §76-1010","Conditions, consequence, confidence":"Agricultural and judicial routes distinct; high"},"coordinator_verification_status":"supported_with_original_predicates_and_source_record_limits","coordinator_limits":"Actualinstrument/actor/loan/title/default/notice/tender/sale/value/priority/servicer/order/calendarunknown; no component/state/parent acceptance.","coordinator_review":"[internal evidence reference]"}],"sources":[{"source_id":"S_NE-P27-S001","urls":["https://nebraskalegislature.gov/laws/statutes.php?statute=76-1001","https://nebraskalegislature.gov/laws/statutes.php?statute=76-1002"],"researcher_record":{"Source ID":"S_NE-P27-S001","Title, issuer, full literal URL and pinpoint":"Nebraska Trust Deeds Act definitions and secured obligations, Nebraska Legislature.\nhttps://nebraskalegislature.gov/laws/statutes.php?statute=76-1001 — complete section.\nhttps://nebraskalegislature.gov/laws/statutes.php?statute=76-1002 — complete section.","Status/access/read bounds":"Current official HTML freshly read 2026-10-26 PT/UTC. Printed page/PDF index N/A. \nNebraska Legislature\n+1"},"coordinator_verification_status":"scoped_review_complete_four_bounded_groups_required","coordinator_access":"Fresh official1001/1002 bodies primary10/11/15","coordinator_limits":"Definitions and security/future-advance boundary supported; no actual instrument or complete priority application.1002optional-advance notice cross-references remain factual.","coordinator_review":"[internal evidence reference]"},{"source_id":"S_NE-P27-S002","urls":["https://nebraskalegislature.gov/laws/statutes.php?statute=76-1003","https://nebraskalegislature.gov/laws/statutes.php?statute=76-1004","https://nebraskalegislature.gov/laws/statutes.php?statute=76-1005"],"researcher_record":{"Source ID":"S_NE-P27-S002","Title, issuer, full literal URL and pinpoint":"Trustee qualification, substitution, and power of sale.\nhttps://nebraskalegislature.gov/laws/statutes.php?statute=76-1003 — complete section.\nhttps://nebraskalegislature.gov/laws/statutes.php?statute=76-1004 — subsections (1)–(7).\nhttps://nebraskalegislature.gov/laws/statutes.php?statute=76-1005 — complete section.","Status/access/read bounds":"Current official HTML freshly read 2026-10-26. §76-1004’s post-1997/post-2010 provisions qualify the older affidavit and notice text. \nNebraska Legislature\n+2"},"coordinator_verification_status":"scoped_review_complete_four_bounded_groups_required","coordinator_access":"Fresh official1003/1004/1005 primary1 and13","coordinator_limits":"Qualifications, institutional beneficiary-trustee exception, recorded successor authority and statutory two routes supported.1004(5)/(6)qualify historical(3)/(4). No actual qualification or recording found.","coordinator_review":"[internal evidence reference]"},{"source_id":"S_NE-P27-S003","urls":["https://nebraskalegislature.gov/laws/statutes.php?statute=76-1006"],"researcher_record":{"Source ID":"S_NE-P27-S003","Title, issuer, full literal URL and pinpoint":"Default notice. https://nebraskalegislature.gov/laws/statutes.php?statute=76-1006; subsections (1)–(2).","Status/access/read bounds":"Current official HTML; fresh 2026-10-26. Material farm and municipal exceptions read. \nNebraska Legislature"},"coordinator_verification_status":"scoped_review_complete_four_bounded_groups_required","coordinator_access":"Fresh official1006 primary1/13","coordinator_limits":"Ordinary waiting/notice and municipal5businessday response/no-voiding/no-maintenance boundary supported. Add exact trustor-farming/outside-city gateway, distinct from1902agricultural20acre/3year definition.","coordinator_review":"[internal evidence reference]"},{"source_id":"S_NE-P27-S004","urls":["https://nebraskalegislature.gov/laws/statutes.php?statute=76-1007","https://nebraskalegislature.gov/laws/statutes.php?statute=76-1008"],"researcher_record":{"Source ID":"S_NE-P27-S004","Title, issuer, full literal URL and pinpoint":"Notice of sale and recipients.\nhttps://nebraskalegislature.gov/laws/statutes.php?statute=76-1007 — complete section.\nhttps://nebraskalegislature.gov/laws/statutes.php?statute=76-1008 — complete section.","Status/access/read bounds":"Current official HTML; fresh 2026-10-26. §76-1007 source history includes 2023 LB 92. \nNebraska Legislature\n+1"},"coordinator_verification_status":"scoped_review_complete_four_bounded_groups_required","coordinator_access":"Fresh official1007/1008 primary1/14","coordinator_limits":"Publication/location and10day/20daymailing supported. Add dulyacknowledged request, recordingdateondefaultcopy, postageprepaid and1008(5)no-title/claimnotice effect. No actual notice/address/calendar.","coordinator_review":"[internal evidence reference]"},{"source_id":"S_NE-P27-S005","urls":["https://nebraskalegislature.gov/laws/statutes.php?statute=76-1009","https://nebraskalegislature.gov/laws/statutes.php?statute=76-1010"],"researcher_record":{"Source ID":"S_NE-P27-S005","Title, issuer, full literal URL and pinpoint":"Auction, postponement, deed, and termination of rights.\nhttps://nebraskalegislature.gov/laws/statutes.php?statute=76-1009 — complete section.\nhttps://nebraskalegislature.gov/laws/statutes.php?statute=76-1010 — subsections (1)–(2).","Status/access/read bounds":"Current official HTML; fresh 2026-10-26. \nNebraska Legislature\n+1"},"coordinator_verification_status":"scoped_review_complete_four_bounded_groups_required","coordinator_access":"Fresh official1009/1010 primary2","coordinator_limits":"Irrevocablebid, payment-default renotice,45daysfromoriginaldate, recitals/BFP and bid-acceptance termination supported. Forthwith construction separately checked Gilroy. No actual purchaser/BFP/title/credit-bid conclusion.","coordinator_review":"[internal evidence reference]"},{"source_id":"S_NE-P27-S006","urls":["https://nebraskalegislature.gov/laws/statutes.php?statute=76-1011","https://nebraskalegislature.gov/laws/statutes.php?statute=76-1011.01","https://nebraskalegislature.gov/laws/statutes.php?statute=76-1012","https://nebraskalegislature.gov/laws/statutes.php?statute=76-1013"],"researcher_record":{"Source ID":"S_NE-P27-S006","Title, issuer, full literal URL and pinpoint":"Proceeds, objections, reinstatement, and deficiency boundary.\nhttps://nebraskalegislature.gov/laws/statutes.php?statute=76-1011\nhttps://nebraskalegislature.gov/laws/statutes.php?statute=76-1011.01\nhttps://nebraskalegislature.gov/laws/statutes.php?statute=76-1012\nhttps://nebraskalegislature.gov/laws/statutes.php?statute=76-1013","Status/access/read bounds":"Complete current official HTML freshly read 2026-10-26. Full deficiency merits expressly deferred. \nNebraska Legislature\n+3"},"coordinator_verification_status":"scoped_review_complete_four_bounded_groups_required","coordinator_access":"Fresh complete1011/1011.01/1012/1013 primary2/13/14","coordinator_limits":"Reinstatement amount arithmetic supported only under BOTH1012branches pre-maturity gateway;1011distribution fees before juniors/surplus;1011.01SHALLwhen statedjudgment/no-good-faith predicates, not discretion. Full deficiency remains distinct P30.","coordinator_review":"[internal evidence reference]"},{"source_id":"S_NE-P27-S007","urls":["https://nebraskalegislature.gov/laws/statutes.php?statute=76-1016","https://nebraskalegislature.gov/laws/statutes.php?statute=76-1017","https://nebraskalegislature.gov/laws/statutes.php?statute=76-1018"],"researcher_record":{"Source ID":"S_NE-P27-S007","Title, issuer, full literal URL and pinpoint":"Debt transfer, recordable instruments, and Act status.\nhttps://nebraskalegislature.gov/laws/statutes.php?statute=76-1016\nhttps://nebraskalegislature.gov/laws/statutes.php?statute=76-1017\nhttps://nebraskalegislature.gov/laws/statutes.php?statute=76-1018","Status/access/read bounds":"Complete current official HTML; fresh 2026-10-26. \nNebraska Legislature\n+2"},"coordinator_verification_status":"scoped_review_complete_four_bounded_groups_required","coordinator_access":"Fresh official1016/1017/1018 primary7","coordinator_limits":"Transfer/recording-payment protection and Act title supported. Not all remaining1014/1015or generalrecording law freshly read; no actualchain/title.","coordinator_review":"[internal evidence reference]"},{"source_id":"S_NE-P27-S008","urls":["https://nebraskalegislature.gov/laws/statutes.php?statute=40-103","https://nebraskalegislature.gov/laws/statutes.php?statute=40-104"],"researcher_record":{"Source ID":"S_NE-P27-S008","Title, issuer, full literal URL and pinpoint":"Nebraska homestead trust-deed exception and spouse execution.\nhttps://nebraskalegislature.gov/laws/statutes.php?statute=40-103\nhttps://nebraskalegislature.gov/laws/statutes.php?statute=40-104","Status/access/read bounds":"Current official HTML; fresh 2026-10-26. §40-103 reflects 2024 LB 1195. \nNebraska Legislature\n+1"},"coordinator_verification_status":"scoped_review_complete_four_bounded_groups_required","coordinator_access":"Fresh official40-103/104 operative bodies primary10/11","coordinator_limits":"Consensual-security exception and spouses/representative exceptions supported. Actualhomestead/title/acknowledgment/application unknown; Watson fact precision required.","coordinator_review":"[internal evidence reference]"},{"source_id":"S_NE-P27-S009","urls":["https://nebraskalegislature.gov/laws/statutes.php?statute=76-1902","https://nebraskalegislature.gov/laws/statutes.php?statute=76-1906","https://nebraskalegislature.gov/laws/statutes.php?statute=76-1907","https://nebraskalegislature.gov/laws/statutes.php?statute=76-1910"],"researcher_record":{"Source ID":"S_NE-P27-S009","Title, issuer, full literal URL and pinpoint":"Farm Homestead Protection Act boundary.\nhttps://nebraskalegislature.gov/laws/statutes.php?statute=76-1902\nhttps://nebraskalegislature.gov/laws/statutes.php?statute=76-1906\nhttps://nebraskalegislature.gov/laws/statutes.php?statute=76-1907\nhttps://nebraskalegislature.gov/laws/statutes.php?statute=76-1910","Status/access/read bounds":"Current official HTML freshly read 2026-10-26. Agricultural branch only. \nNebraska Legislature\n+3"},"coordinator_verification_status":"scoped_review_complete_four_bounded_groups_required","coordinator_access":"Fresh1902/1906/1907/1910 primary11/12","coordinator_limits":"Separate farm boundary supported; designatedhomestead/appraisal/petition and separate land-sale effect conditional. Crossreferenced1904/1905/1909not freshly fully audited here; full farm dossier remains deferred.","coordinator_review":"[internal evidence reference]"},{"source_id":"S_NE-P27-S010","urls":["https://nebraskalegislature.gov/laws/statutes.php?statute=24-302","https://nebraskalegislature.gov/laws/statutes.php?statute=25-1067","https://nebraskalegislature.gov/laws/statutes.php?statute=24-302&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NE-P27-S010","Title, issuer, full literal URL and pinpoint":"District-court jurisdiction and injunction security.\nhttps://nebraskalegislature.gov/laws/statutes.php?statute=24-302\nhttps://nebraskalegislature.gov/laws/statutes.php?statute=25-1067","Status/access/read bounds":"Current official HTML; fresh 2026-10-26. No case-specific bond amount. \nNebraska Legislature\n+1"},"coordinator_verification_status":"scoped_review_complete_four_bounded_groups_required","coordinator_access":"Fresh24-302/25-1067 operative bodies primary11","coordinator_limits":"Generaljurisdiction and security supported;1067exceptspecialstatute,ordinaryorderalone not generic statutory waiver. No actual injunction or bond.","coordinator_review":"[internal evidence reference]"},{"source_id":"S_NE-P27-S011","urls":["https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00010563PUB"],"researcher_record":{"Source ID":"S_NE-P27-S011","Title, issuer, full literal URL and pinpoint":"First National Bank North Platte v. Cardenas, 299 Neb. 497 (2018). https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00010563PUB; printed pp.511–513/PDF indices 14–16.","Status/access/read bounds":"Final official Nebraska Supreme Court PDF; freshly read and pages visually inspected. \nNebraska.gov\n+3"},"coordinator_verification_status":"scoped_review_complete_four_bounded_groups_required","coordinator_access":"Fresh official20pagePDF primary3/4/5;material511-513/PDF14-16","coordinator_limits":"Actual tender versus willingness and notice-content distinction supported; version used in case predates current1006 numbering. Actualcase not generic all-service circumstances. No freshpixelQA.","coordinator_review":"[internal evidence reference]"},{"source_id":"S_NE-P27-S012","urls":["https://law.justia.com/cases/nebraska/supreme-court/2003/487-1.html"],"researcher_record":{"Source ID":"S_NE-P27-S012","Title, issuer, full literal URL and pinpoint":"Gilroy v. Ryberg, 266 Neb. 617 (2003). https://law.justia.com/cases/nebraska/supreme-court/2003/487-1.html; relevant reported pp.554–555; HTML reproduction, PDF index N/A.","Status/access/read bounds":"Public reproduction of actual final Nebraska Supreme Court opinion; fresh 2026-10-26. \nJustia Law\n+5"},"coordinator_verification_status":"scoped_review_complete_four_bounded_groups_required","coordinator_access":"Fresh actual GilroyHTML primary3/4/6/7/13/15","coordinator_limits":"Defect/prejudice, forthwith and actual personal-check defect reasoning supported; recitals affirmative defense not raised so implications not decided there.554-555areNW2dreporter pages, not266Neb617 printedpage claim; identify reporter. No actualBFP/title result.","coordinator_review":"[internal evidence reference]"},{"source_id":"S_NE-P27-S013","urls":["https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00004221PUB"],"researcher_record":{"Source ID":"S_NE-P27-S013","Title, issuer, full literal URL and pinpoint":"First National Bank of Omaha v. Davey, 285 Neb. 835 (2013). https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00004221PUB; printed pp.835 and 839/PDF indices 0 and 4.","Status/access/read bounds":"Final official Nebraska Supreme Court PDF; fresh 2026-10-26. \nNebraska.gov\n+2"},"coordinator_verification_status":"scoped_review_complete_four_bounded_groups_required","coordinator_access":"Fresh officialDavey13pagePDF primary3/5/6","coordinator_limits":"Materialmajority839-840/PDF4-5 distinguishesroutes/1013clock.835/PDF0headnotes alone insufficient; actual reversed-remanded result in opinion. Full later personal action dossier P30.","coordinator_review":"[internal evidence reference]"},{"source_id":"S_NE-P27-S014","urls":["https://www.nebraska.gov/apps-courts-epub/public/viewAdvanced?docId=N00013220PUB"],"researcher_record":{"Source ID":"S_NE-P27-S014","Title, issuer, full literal URL and pinpoint":"American Exchange Bank v. Topp, 321 Neb. 409 (2026). https://www.nebraska.gov/apps-courts-epub/public/viewAdvanced?docId=N00013220PUB; printed pp.409, 414–415/PDF indices 0, 5–6.","Status/access/read bounds":"Final published Nebraska Supreme Court opinion filed May 15, 2026; fresh 2026-10-26. \nNebraska.gov\n+2"},"coordinator_verification_status":"scoped_review_complete_four_bounded_groups_required","coordinator_access":"Fresh officialTopp18pageADVANCEPDF primary3-7/13","coordinator_limits":"321Neb409filedMay15,2026. Securedguaranty417/PDF8; nonwaiver419-420/PDF10-11; majorityresult423-424/PDF14-15; dissentstarts424/PDF15. Prior414-415pinpointdoesnotlocateholding. No fullfinality/citator clearance.","coordinator_review":"[internal evidence reference]"},{"source_id":"S_NE-P27-S015","urls":["https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00010306PUB"],"researcher_record":{"Source ID":"S_NE-P27-S015","Title, issuer, full literal URL and pinpoint":"Mutual of Omaha Bank v. Watson, 297 Neb. 479 (2017). https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00010306PUB; printed pp.492–493/PDF indices 13–14.","Status/access/read bounds":"Final official Nebraska Supreme Court PDF; fresh 2026-10-26. \nNebraska.gov\n+2"},"coordinator_verification_status":"scoped_review_complete_four_bounded_groups_required","coordinator_access":"Fresh officialWatson17pagePDF primary3/4/6/13","coordinator_limits":"Actualbothspousessigned; Shonaacknowledgment defective. Purchase-money/Prout distinction493-495/PDF14-16; actualholdingextrinsicproof/affirmance494-495/PDF15-16. Hypothetical no-signature branch is doctrine application, not actualfacts. No general nonsignature cure.","coordinator_review":"[internal evidence reference]"},{"source_id":"S_NE-P27-S016","urls":["https://law.justia.com/cases/nebraska/supreme-court/2016/s-15-617.html"],"researcher_record":{"Source ID":"S_NE-P27-S016","Title, issuer, full literal URL and pinpoint":"First Nebraska Educators Credit Union v. U.S. Bancorp, 293 Neb. 308 (2016). https://law.justia.com/cases/nebraska/supreme-court/2016/s-15-617.html; reported pp.308–316; HTML reproduction, PDF index N/A.","Status/access/read bounds":"Public reproduction of actual final opinion; fresh 2026-10-26. \nJustia Law"},"coordinator_verification_status":"scoped_review_complete_four_bounded_groups_required","coordinator_access":"Fresh actualEducatorsHTML primary3/5/6/7 thenoneHTMLfetchfailedprimary13; observedDownloadPDFlink actual9pagePDF primary14/15","coordinator_limits":"Actualmaterial315-316/PDF7-8; junior own-deed request did not satisfy senior-deed request identity, dismissal affirmed. Failure retained, alternateactualbodyread succeeds; notblanketoutage. No freshpixels.","coordinator_review":"[internal evidence reference]"},{"source_id":"S_NE-P27-S017","urls":["https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00010018PUB"],"researcher_record":{"Source ID":"S_NE-P27-S017","Title, issuer, full literal URL and pinpoint":"Klein v. Oakland/Red Oak Holdings, 294 Neb. 535 (2016). https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00010018PUB; printed pp.541 and 549/PDF indices 6 and 14.","Status/access/read bounds":"Final official Nebraska Supreme Court PDF; fresh 2026-10-26. \nNebraska.gov\n+2"},"coordinator_verification_status":"scoped_review_complete_four_bounded_groups_required","coordinator_access":"Fresh officialKlein16pagePDF primary4-7","coordinator_limits":"Recordnotice/caveatemptor actualmajority548-550/PDF13-15.541/PDF6 recitesdistrictcourt, not majorityanalysis. Reversedremandedwithdirectionsdismiss. Stipulatedvalidtaxdeeds, notallpossibletitle/fraud/voidness cases.","coordinator_review":"[internal evidence reference]"},{"source_id":"S_NE-P27-S018","urls":["https://law.justia.com/cases/nebraska/supreme-court/1969/37209-1.html"],"researcher_record":{"Source ID":"S_NE-P27-S018","Title, issuer, full literal URL and pinpoint":"Blair Company v. American Savings Company, 184 Neb. 557 (1969). https://law.justia.com/cases/nebraska/supreme-court/1969/37209-1.html; actual opinion HTML, PDF index N/A.","Status/access/read bounds":"Public reproduction of final opinion; used only for Nebraska constitutional enactment holding, not federal state action. \nJustia Law"},"coordinator_verification_status":"scoped_review_complete_four_bounded_groups_required","coordinator_access":"Fresh actualBlairHTML primary4-6","coordinator_limits":"184Neb557/169NW2d292,June27,1969; actualArticleIII14enactment challenge affirmed. Not federalstateactionholding or exhaustive absence-of-case proof.","coordinator_review":"[internal evidence reference]"},{"source_id":"S_NE-P27-S019","urls":["https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.30","https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.31","https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.39","https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.41"],"researcher_record":{"Source ID":"S_NE-P27-S019","Title, issuer, full literal URL and pinpoint":"Regulation X scope, definitions, early intervention, and loss mitigation.\nhttps://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.30\nhttps://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.31\nhttps://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.39\nhttps://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.41","Status/access/read bounds":"eCFR displayed Title 12 current through October 22, 2026 and last amended October 2, 2026; authoritative but unofficial. Complete material clauses read. \neCFR\n+5"},"coordinator_verification_status":"scoped_review_complete_four_bounded_groups_required","coordinator_access":"Fresh eCFR30/31/39 actualheaders/bodies primary8/9;41operative material fromCFPB primary8-12/15","coordinator_limits":"Title12header10/22/2026,lastamended10/02/2026 replicated for30/31/39; eCFR41exactheader not separatelyreplicated. Scope/definitions/earlyintervention read with exemptions. No full rulemaking audit.","coordinator_review":"[internal evidence reference]"},{"source_id":"S_NE-P27-S020","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1024/41/","https://www.consumerfinance.gov/rules-policy/regulations/1024/41"],"researcher_record":{"Source ID":"S_NE-P27-S020","Title, issuer, full literal URL and pinpoint":"CFPB Official Interpretations to §1024.41. https://www.consumerfinance.gov/rules-policy/regulations/1024/41/; first-notice interpretation and sale commentary.","Status/access/read bounds":"Current official Bureau webpage freshly read 2026-10-26. \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"scoped_review_complete_four_bounded_groups_required","coordinator_access":"Fresh actualCFPB41materialbodies and officialinterpretations primary8-12/15","coordinator_limits":"Corethresholds and nonjudicialfirstnotice inference supported. Add facial-completeness and duplicative since-submission/same-servicer/transfer protections. Complete federalworkflow notaccepted; other excludedbranches notfreshlyaudit.","coordinator_review":"[internal evidence reference]"},{"source_id":"S_NE-P27-S021","urls":["https://uscode.house.gov/us/usc/119-124/t11/s362/"],"researcher_record":{"Source ID":"S_NE-P27-S021","Title, issuer, full literal URL and pinpoint":"Bankruptcy automatic stay. https://uscode.house.gov/us/usc/119-124/t11/s362/; subsections (a)–(c) and material exceptions.","Status/access/read bounds":"Official U.S. Code through PL 119-124, October 15, 2026; fresh 2026-10-26. \nUSCode"},"coordinator_verification_status":"scoped_review_complete_four_bounded_groups_required","coordinator_access":"Fresh exactOLRC362119-124Oct15,2026header and narrow operative stay/durationexceptions primary8-12","coordinator_limits":"Conditional lien-enforcement gateway supported, actualcase/serialfiling/relief/no-stay exceptions held. Not complete bankruptcy dossier or blanket protection.","coordinator_review":"[internal evidence reference]"},{"source_id":"S_NE-P27-S022","urls":["https://www.govinfo.gov/link/uscode/50/3953"],"researcher_record":{"Source ID":"S_NE-P27-S022","Title, issuer, full literal URL and pinpoint":"SCRA mortgage/trust-deed protection. https://www.govinfo.gov/link/uscode/50/3953; printed p.998/PDF index 0, subsections (a)–(d).","Status/access/read bounds":"Official GovInfo PDF freshly read and visually inspected. \nGovInfo"},"coordinator_verification_status":"scoped_review_complete_four_bounded_groups_required","coordinator_access":"FreshGovInfo3953body(a)-(d)printed998/PDF0 primary8/9","coordinator_limits":"Preservice obligation/ownership/stillobligated,priorcourtorderANDapprovedreturn or3918agreement supported. Researchervisualstatement attributed, no freshcoordinatorpixels; exactOLRCcurrencyheader not replicated for3953.","coordinator_review":"[internal evidence reference]"},{"source_id":"S_NE-P27-S023","urls":["https://uscode.house.gov/us/usc/119-124/t50/s3918/"],"researcher_record":{"Source ID":"S_NE-P27-S023","Title, issuer, full literal URL and pinpoint":"SCRA waiver. https://uscode.house.gov/us/usc/119-124/t50/s3918/; subsections (a)–(c).","Status/access/read bounds":"Official U.S. Code through PL 119-124, October 15, 2026; fresh 2026-10-26. \nUSCode"},"coordinator_verification_status":"scoped_review_complete_four_bounded_groups_required","coordinator_access":"Fresh exactOLRC3918119-124Oct15,2026body(a)-(d) primary8","coordinator_limits":"Relevant foreclosurewaiver separatewritten/during-or-afterservice/specific/12point requirements supported. Keep subsection(d)3917coverage and waiver scope conditional; not allunrelatedwaivers universal rule.","coordinator_review":"[internal evidence reference]"},{"source_id":"S_NE-P27-S024","urls":["https://nebraskajudicial.gov/forms"],"researcher_record":{"Source ID":"S_NE-P27-S024","Title, issuer, full literal URL and pinpoint":"Nebraska Judicial Branch forms page. https://nebraskajudicial.gov/forms","Status/access/read bounds":"Current public page checked 2026-10-26. No statewide nonjudicial trustee-sale challenge or consumer cure form located. Bounded negative search, not absence proof."},"coordinator_verification_status":"scoped_review_complete_four_bounded_groups_required","coordinator_access":"FreshmasterformsHTMLandtwofinds primary13/14","coordinator_limits":"Foreclosure/trustee no match in parsedlist is bounded search only, not absence/no-statewide-form proof. Fourstatutoryformtemplates independently read asHTML; no formfilled/localrecords.","coordinator_review":"[internal evidence reference]"},{"source_id":"S_NE-P27-S025","urls":[],"researcher_record":{"Source ID":"S_NE-P27-S025","Title, issuer, full literal URL and pinpoint":"Bounded Nebraska appellate, statutory, federal-regulation, and official-form searches.","Status/access/read bounds":"Search-only work 2026-10-26. No complete paid citator, title search, local recording manual, unpublished-order universe, or session-law history audit."},"coordinator_verification_status":"scoped_review_complete_four_bounded_groups_required","coordinator_access":"Researcherbounded-searchrecordonly","coordinator_limits":"No exhaustive citator/current-amendment/local/tribal/country/tenancy/provider/contract record or allsourceabsence proof. Negative holds retained.","coordinator_review":"[internal evidence reference]"}],"coverage":[{"topic":"Trust-deed scope and definitions","researcher_record":{"Assigned question or subissue":"Trust-deed scope and definitions","Status":"Answered","Linked claims":"C001–C003","Exact missing evidence or next action":"Actual instrument and obligation"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Express power of sale","researcher_record":{"Assigned question or subissue":"Express power of sale","Status":"Answered","Linked claims":"C002","Exact missing evidence or next action":"Actual deed language"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Eligible trustee","researcher_record":{"Assigned question or subissue":"Eligible trustee","Status":"Answered","Linked claims":"C004–C005","Exact missing evidence or next action":"Actual trustee qualification"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Successor trustee","researcher_record":{"Assigned question or subissue":"Successor trustee","Status":"Answered","Linked claims":"C006–C007","Exact missing evidence or next action":"Recorded substitution"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Beneficiary/assignment authority","researcher_record":{"Assigned question or subissue":"Beneficiary/assignment authority","Status":"Answered as legal rule; facts unresolved","Linked claims":"C008–C009","Exact missing evidence or next action":"Note, assignments, servicing authority, account link"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Owner-occupied status under state Act","researcher_record":{"Assigned question or subissue":"Owner-occupied status under state Act","Status":"Answered as not core state limitation","Linked claims":"C048 boundary","Exact missing evidence or next action":"Actual occupancy for federal/homestead rules"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Spouse/homestead execution","researcher_record":{"Assigned question or subissue":"Spouse/homestead execution","Status":"Answered generally","Linked claims":"C040–C042","Exact missing evidence or next action":"Marriage, homestead, signature, purchase-money facts"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Default and acceleration","researcher_record":{"Assigned question or subissue":"Default and acceleration","Status":"Partial","Linked claims":"C010–C013","Exact missing evidence or next action":"Actual contract, ledger, notices"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Recorded default notice content","researcher_record":{"Assigned question or subissue":"Recorded default notice content","Status":"Answered","Linked claims":"C010–C013","Exact missing evidence or next action":"Actual notice"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"State waiting period","researcher_record":{"Assigned question or subissue":"State waiting period","Status":"Answered","Linked claims":"C012","Exact missing evidence or next action":"Recordation date"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Reinstatement","researcher_record":{"Assigned question or subissue":"Reinstatement","Status":"Answered","Linked claims":"C019–C025","Exact missing evidence or next action":"Tender, quote, costs"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Fee formula","researcher_record":{"Assigned question or subissue":"Fee formula","Status":"Answered","Linked claims":"C020–C021","Exact missing evidence or next action":"Actual unpaid principal and incurred fees"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Partial payment/negotiation","researcher_record":{"Assigned question or subissue":"Partial payment/negotiation","Status":"Answered as no automatic cure","Linked claims":"C026, C047","Exact missing evidence or next action":"Actual agreement or order"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Notice recipients","researcher_record":{"Assigned question or subissue":"Notice recipients","Status":"Answered","Linked claims":"C014–C016","Exact missing evidence or next action":"Party status, request, addresses"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Junior lienholder notice","researcher_record":{"Assigned question or subissue":"Junior lienholder notice","Status":"Answered conditionally","Linked claims":"C015","Exact missing evidence or next action":"Recorded request"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Occupant notice","researcher_record":{"Assigned question or subissue":"Occupant notice","Status":"Unresolved outside deed-party/request rules","Linked claims":"—","Exact missing evidence or next action":"Tenancy, federal, contract authority"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Publication","researcher_record":{"Assigned question or subissue":"Publication","Status":"Answered","Linked claims":"C017–C018","Exact missing evidence or next action":"Publication affidavits"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Sale timing/location","researcher_record":{"Assigned question or subissue":"Sale timing/location","Status":"Answered","Linked claims":"C017–C018","Exact missing evidence or next action":"Actual notice and date"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Postponement","researcher_record":{"Assigned question or subissue":"Postponement","Status":"Answered","Linked claims":"C029","Exact missing evidence or next action":"Public declaration and date span"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Cancellation","researcher_record":{"Assigned question or subissue":"Cancellation","Status":"Answered after cure; other cancellation partial","Linked claims":"C023–C024","Exact missing evidence or next action":"Actual beneficiary/trustee instruction"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Bidding","researcher_record":{"Assigned question or subissue":"Bidding","Status":"Answered generally","Linked claims":"C027","Exact missing evidence or next action":"Sale terms"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Credit bid","researcher_record":{"Assigned question or subissue":"Credit bid","Status":"Unresolved","Linked claims":"C028","Exact missing evidence or next action":"Contract, trustee practice, controlling authority"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Purchaser payment","researcher_record":{"Assigned question or subissue":"Purchaser payment","Status":"Answered generally","Linked claims":"C030–C031","Exact missing evidence or next action":"Actual sale conditions"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Certificate of sale","researcher_record":{"Assigned question or subissue":"Certificate of sale","Status":"No separate statutory certificate verified","Linked claims":"C031–C034","Exact missing evidence or next action":"Local practice, if any"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Trustee deed","researcher_record":{"Assigned question or subissue":"Trustee deed","Status":"Answered","Linked claims":"C032–C034","Exact missing evidence or next action":"Actual deed and payment"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Deed recording","researcher_record":{"Assigned question or subissue":"Deed recording","Status":"Answered as recordable/notice; not conveyance condition","Linked claims":"C034","Exact missing evidence or next action":"Actual delivery and recording"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"No post-sale redemption","researcher_record":{"Assigned question or subissue":"No post-sale redemption","Status":"Answered","Linked claims":"C032–C033, C060","Exact missing evidence or next action":"Agricultural/judicial facts if claimed"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Defect/prejudice/BFP","researcher_record":{"Assigned question or subissue":"Defect/prejudice/BFP","Status":"Answered generally","Linked claims":"C034–C036","Exact missing evidence or next action":"Actual defect and title transfers"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Senior/subordinate liens","researcher_record":{"Assigned question or subissue":"Senior/subordinate liens","Status":"Answered as priority framework","Linked claims":"C036–C038","Exact missing evidence or next action":"Title, recordings, payoffs"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Proceeds","researcher_record":{"Assigned question or subissue":"Proceeds","Status":"Answered","Linked claims":"C037–C038","Exact missing evidence or next action":"Actual costs, liens, surplus claimant"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Deficiency boundary","researcher_record":{"Assigned question or subissue":"Deficiency boundary","Status":"Answered narrowly","Linked claims":"C039","Exact missing evidence or next action":"Later deficiency pass"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Pre-sale injunction","researcher_record":{"Assigned question or subissue":"Pre-sale injunction","Status":"Answered generally","Linked claims":"C045–C047","Exact missing evidence or next action":"Pleading, bond, actual court order"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Post-sale set-aside","researcher_record":{"Assigned question or subissue":"Post-sale set-aside","Status":"Answered generally","Linked claims":"C035–C036","Exact missing evidence or next action":"Defect category, prejudice, BFP"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Due process/state action","researcher_record":{"Assigned question or subissue":"Due process/state action","Status":"Unresolved","Linked claims":"—","Exact missing evidence or next action":"On-point controlling facts and authority"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Nebraska farm redemption","researcher_record":{"Assigned question or subissue":"Nebraska farm redemption","Status":"Answered as separate branch","Linked claims":"C043–C044","Exact missing evidence or next action":"Agricultural predicates"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Reg X scope","researcher_record":{"Assigned question or subissue":"Reg X scope","Status":"Answered generally","Linked claims":"C048–C049","Exact missing evidence or next action":"Loan/servicer/principal-residence facts"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Reg X 120-day gate","researcher_record":{"Assigned question or subissue":"Reg X 120-day gate","Status":"Answered","Linked claims":"C050–C051","Exact missing evidence or next action":"Delinquency and exceptions"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Application acknowledgment","researcher_record":{"Assigned question or subissue":"Application acknowledgment","Status":"Answered","Linked claims":"C052","Exact missing evidence or next action":"Application receipt and sale date"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Dual tracking","researcher_record":{"Assigned question or subissue":"Dual tracking","Status":"Answered","Linked claims":"C053–C056","Exact missing evidence or next action":"Completeness, timing, prior application"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Bankruptcy stay","researcher_record":{"Assigned question or subissue":"Bankruptcy stay","Status":"Answered as conditional gateway","Linked claims":"C057","Exact missing evidence or next action":"Actual petition, exceptions, orders"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"SCRA","researcher_record":{"Assigned question or subissue":"SCRA","Status":"Answered as conditional gateway","Linked claims":"C058–C059","Exact missing evidence or next action":"Service, origination, ownership, waiver/order"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"2025/2026 currentness","researcher_record":{"Assigned question or subissue":"2025/2026 currentness","Status":"Partially answered","Linked claims":"S014, S019","Exact missing evidence or next action":"No complete Nebraska session-law/citator audit"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Official forms","researcher_record":{"Assigned question or subissue":"Official forms","Status":"Answered for statutory forms","Linked claims":"S002–S006, S024","Exact missing evidence or next action":"No standalone statewide forms found"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Local recording procedure","researcher_record":{"Assigned question or subissue":"Local recording procedure","Status":"Excluded","Linked claims":"—","Exact missing evidence or next action":"County-specific later work"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Judicial mortgage foreclosure","researcher_record":{"Assigned question or subissue":"Judicial mortgage foreclosure","Status":"Excluded","Linked claims":"C001 boundary","Exact missing evidence or next action":"Separate pass"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Deficiency valuation/guaranty","researcher_record":{"Assigned question or subissue":"Deficiency valuation/guaranty","Status":"Excluded except boundary","Linked claims":"C039","Exact missing evidence or next action":"Separate pass"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Post-sale possession/eviction","researcher_record":{"Assigned question or subissue":"Post-sale possession/eviction","Status":"Excluded","Linked claims":"—","Exact missing evidence or next action":"Separate pass"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Full servicing/remedy damages","researcher_record":{"Assigned question or subissue":"Full servicing/remedy damages","Status":"Excluded","Linked claims":"—","Exact missing evidence or next action":"Separate federal/state remedies pass"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"HOA/tax liens","researcher_record":{"Assigned question or subissue":"HOA/tax liens","Status":"Excluded","Linked claims":"—","Exact missing evidence or next action":"Separate sector work"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Commercial/agricultural full dossier","researcher_record":{"Assigned question or subissue":"Commercial/agricultural full dossier","Status":"Excluded except farm boundary","Linked claims":"C043–C044","Exact missing evidence or next action":"Separate sector work"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Local/tribal/foreign-country law","researcher_record":{"Assigned question or subissue":"Local/tribal/foreign-country law","Status":"Excluded","Linked claims":"—","Exact missing evidence or next action":"Separate jurisdictional work"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Named property/borrower result","researcher_record":{"Assigned question or subissue":"Named property/borrower result","Status":"Not performed","Linked claims":"—","Exact missing evidence or next action":"Private records unavailable and prohibited"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Nebraska/component/parent/A066 acceptance","researcher_record":{"Assigned question or subissue":"Nebraska/component/parent/A066 acceptance","Status":"Not granted","Linked claims":"—","Exact missing evidence or next action":"Remaining assignments and review"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[]}