My wife and I make $175, 000 a year. Been with the same bank for over 20 years. Now west-b109940">bank of the west. Our home has been appraised at $1, 075, 000. We are livid with the lack of communication and process. Asking us to jump from one hoop to another and we did... Now they are asking for 2. A deed of trust to secure an original indebtedness of $650, 000.00 recorded 08/08/2007 as document Number [protected] of official records. Dated: 07/12/2007 Trustor: melissa s. Morris and kevin a morris, wife and Husband as joint tenants Trustee: fidelity national title - joel Beneficiary: mortgage electronic registration systems, inc. Solely as a nominee for Lender: american mortgage specialists, inc.