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MORTGAGE FRAUD BLOG
Ronald J. Mccord, 70, Oklahoma City, Oklahoma pleaded guilty yesterday to defrauding two locally-based banks, Fannie Mae, and others through a broad range of fraudulent conduct over the course of three years.. McCord was the Chairman and founder of First Mortgage Company, LLC (“FMC”), an Oklahoma City, Oklahoma based mortgage lending and loan servicing company.MORTGAGE FRAUD BLOG
Stephanie Abbott —. June 3, 2021 — Leave a comment. Steve Young Kang, aka “Steven Young Kang” and “Young Tae Kang, ” 66, Ridgefield, New Jersey, was sentenced today to 18 months in prison for his role in a multi-year scheme to defraud financial institutions and others for a Short Sale Fraud Scheme. According to documents filed in FORMER PRESIDENT OF FIRST MORTGAGE CO. PLEADS GUILTY TO Ronald J. Mccord, 70, Oklahoma City, Oklahoma pleaded guilty yesterday to defrauding two locally-based banks, Fannie Mae, and others through a broad range of fraudulent conduct over the course of three years.. McCord was the Chairman and founder of First Mortgage Company, LLC (“FMC”), an Oklahoma City, Oklahoma based mortgage lending and loan servicing company. WOMAN CHARGED WITH BANK FRAUD Pilar Rose, 58, Fresno, California was charged today with bank fraud, tax evasion, obstructing an IRS tax audit, and aggravated identity theft.. According to court documents, Rose, who managed her husband’s orthodontics practice, committed bank fraud by submitting false financial information to obtain a $1.4 million home refinance and a loan for a BMW. MAN INDICTED FOR $82M REAL ESTATE FRAUD SCAM Man Indicted for $82M Real Estate Fraud Scam. Randy Alan Carpenter, 54, Spruce Pine, North Carolina, was indicted by a federal grand jury, sitting in Charlotte, North Carolina, on charges of conspiracy, bank fraud and making false statements on tax returns. According to the criminal indictment, the defendant and his co-conspirators operated a MAN CHARGED FOR ALLEGED FRAUD SCHEMES Daniel R. Fruits, 46, Greenwood, Indiana, was charged today by a federal grand jury for his alleged role in three separate fraud schemes, including attempted mortgage fraud , a nearly $14 million fraud on an investor, and a vehicle title-washing scheme.. The Indictment alleges Fruits attempted to perpetrate a mortgage fraud scheme on Fifth Third Bank. REAL ESTATE AGENT SENT TO PRISON FOR SHORT SALE FRAUD Minerva Sanchez, 48, Fremont, California, a licensed real estate agent, was sentenced by Senior U.S. District Judge Anthony W. Ishii to 21 months in prison for her role in a short sale fraud scheme.. Sanchez also was ordered to pay restitution to financial institutions in the amount of $421,372.. According to court documents, Sanchez was a licensed real estate agent who, beginning in or around 7 ARRESTED IN $6.2M LOAN MODIFICATION SCAM 7 Arrested in $6.2M Loan Modification Scam. Seven suspects who have been charged in a mortgage fraud scheme that defrauded more than 1,550 Inland Valley, California, homeowners seeking loan modification services during the foreclosure crisis have been arrested. The felony complaint alleges that Nehad “Nick” Ayyoub Ayyoub, 57, SanBernardino
MAN SENTENCED FOR USING FORGED DEEDS TO STEAL HOMES Man Sentenced For Using Forged Deeds to Steal Homes. Robert McCloud, 39, most recently of Warrenville, South Carolina, was sentenced today to 18 months in prison on a federal wire fraud charge stemming from a real estate scheme in which he and others used forged deeds and fake driver’s licenses to fraudulently transfer ownership of District LEE FARKAS RELEASED FROM PRISON Lee Farkas Released from Prison. On June 30, 2011, Lee Farkas was sentenced to serve 360 months in in Federal Prison. He has been serving that time at Coleman Low Federal Correctional Institution in Sumterville, Florida and was scheduled to be released from prison on October 31, 2036. Yesterday, U.S. District Court Judge Leonie Brinkemain
MORTGAGE FRAUD BLOG
Ronald J. Mccord, 70, Oklahoma City, Oklahoma pleaded guilty yesterday to defrauding two locally-based banks, Fannie Mae, and others through a broad range of fraudulent conduct over the course of three years.. McCord was the Chairman and founder of First Mortgage Company, LLC (“FMC”), an Oklahoma City, Oklahoma based mortgage lending and loan servicing company.MORTGAGE FRAUD BLOG
Stephanie Abbott —. June 3, 2021 — Leave a comment. Steve Young Kang, aka “Steven Young Kang” and “Young Tae Kang, ” 66, Ridgefield, New Jersey, was sentenced today to 18 months in prison for his role in a multi-year scheme to defraud financial institutions and others for a Short Sale Fraud Scheme. According to documents filed in FORMER PRESIDENT OF FIRST MORTGAGE CO. PLEADS GUILTY TO Ronald J. Mccord, 70, Oklahoma City, Oklahoma pleaded guilty yesterday to defrauding two locally-based banks, Fannie Mae, and others through a broad range of fraudulent conduct over the course of three years.. McCord was the Chairman and founder of First Mortgage Company, LLC (“FMC”), an Oklahoma City, Oklahoma based mortgage lending and loan servicing company. WOMAN CHARGED WITH BANK FRAUD Pilar Rose, 58, Fresno, California was charged today with bank fraud, tax evasion, obstructing an IRS tax audit, and aggravated identity theft.. According to court documents, Rose, who managed her husband’s orthodontics practice, committed bank fraud by submitting false financial information to obtain a $1.4 million home refinance and a loan for a BMW. MAN INDICTED FOR $82M REAL ESTATE FRAUD SCAM Man Indicted for $82M Real Estate Fraud Scam. Randy Alan Carpenter, 54, Spruce Pine, North Carolina, was indicted by a federal grand jury, sitting in Charlotte, North Carolina, on charges of conspiracy, bank fraud and making false statements on tax returns. According to the criminal indictment, the defendant and his co-conspirators operated a MAN CHARGED FOR ALLEGED FRAUD SCHEMES Daniel R. Fruits, 46, Greenwood, Indiana, was charged today by a federal grand jury for his alleged role in three separate fraud schemes, including attempted mortgage fraud , a nearly $14 million fraud on an investor, and a vehicle title-washing scheme.. The Indictment alleges Fruits attempted to perpetrate a mortgage fraud scheme on Fifth Third Bank. REAL ESTATE AGENT SENT TO PRISON FOR SHORT SALE FRAUD Minerva Sanchez, 48, Fremont, California, a licensed real estate agent, was sentenced by Senior U.S. District Judge Anthony W. Ishii to 21 months in prison for her role in a short sale fraud scheme.. Sanchez also was ordered to pay restitution to financial institutions in the amount of $421,372.. According to court documents, Sanchez was a licensed real estate agent who, beginning in or around 7 ARRESTED IN $6.2M LOAN MODIFICATION SCAM 7 Arrested in $6.2M Loan Modification Scam. Seven suspects who have been charged in a mortgage fraud scheme that defrauded more than 1,550 Inland Valley, California, homeowners seeking loan modification services during the foreclosure crisis have been arrested. The felony complaint alleges that Nehad “Nick” Ayyoub Ayyoub, 57, SanBernardino
MAN SENTENCED FOR USING FORGED DEEDS TO STEAL HOMES Man Sentenced For Using Forged Deeds to Steal Homes. Robert McCloud, 39, most recently of Warrenville, South Carolina, was sentenced today to 18 months in prison on a federal wire fraud charge stemming from a real estate scheme in which he and others used forged deeds and fake driver’s licenses to fraudulently transfer ownership of District LEE FARKAS RELEASED FROM PRISON Lee Farkas Released from Prison. On June 30, 2011, Lee Farkas was sentenced to serve 360 months in in Federal Prison. He has been serving that time at Coleman Low Federal Correctional Institution in Sumterville, Florida and was scheduled to be released from prison on October 31, 2036. Yesterday, U.S. District Court Judge Leonie Brinkemain
MAN CHARGED FOR ALLEGED FRAUD SCHEMES Daniel R. Fruits, 46, Greenwood, Indiana, was charged today by a federal grand jury for his alleged role in three separate fraud schemes, including attempted mortgage fraud , a nearly $14 million fraud on an investor, and a vehicle title-washing scheme.. The Indictment alleges Fruits attempted to perpetrate a mortgage fraud scheme on Fifth Third Bank.MORTGAGE FRAUD BLOG
Ronald J. Mccord, 70, Oklahoma City, Oklahoma pleaded guilty yesterday to defrauding two locally-based banks, Fannie Mae, and others through a broad range of fraudulent conduct over the course of three years.. McCord was the Chairman and founder of First Mortgage Company, LLC (“FMC”), an Oklahoma City, Oklahoma based mortgage lending and loan servicing company. 45 INDICTED IN OHIO MORTGAGE FRAUD CASE INVOLVING 453 45 Indicted in Ohio Mortgage Fraud Case Involving 453 Homes. An 18-month investigation led to indictments against 41 people and four companies. The defendants are alleged to have engaged in real estate transactions to purchase 453 homes in Ohio with fraudulent loans totaling $44 million. Uri Gofman, Beachwood, Ohio, is alleged to have MOTHER & SON CONVICTED IN MORTGAGE FRAUD SCAM Mother & Son Convicted in Mortgage Fraud Scam. John Pereless, 42, Colts Neck, New Jersey, has been convicted of one count of second degree Conspiracy to Commit Theft by Deception, eight counts of second degree Theft by Deception, eight counts of fourth degree Securing Execution of Documents by Deception and eight counts of fourth degree REAL ESTATE EXECUTIVES SENTENCED FOR MORTGAGE FRAUD J. Christopher Daly, 49, New York, New York, and Michael Abreu, 43, Carmel, New York, two former executives at the Sheldrake Organization, a real estate development and management company, were sentenced in Manhattan federal court to 15 months and one year and one day in prison, respectively, for their roles in a scheme to fraudulently obtain $2.2 million from a foreign-owned bank. CONSPIRATORS SENTENCED FOR INFLATING PURCHASE PRICES Conspirators Sentenced for Inflating Purchase Prices. Quincy Dynell Harrington, Corinth, Texas, has been sentenced for his role in a mortgage fraud scheme. Harrington was sentenced by US District Court Judge Richard Schell to 18 months in prison, followed by 3 years ofsupervised release.
A.G. SETTLES WITH PHH MORTGAGE CORP. PHH Mortgage Corporation (“PHH”) has entered into a settlement today with Attorney General Chris Carr’s office to resolve allegations that it violated Georgia’s Fair Business Practices Act by charging unauthorized fees to Georgia consumers.. The Attorney General’s office alleges that PHH, a New Jersey-based mortgage servicing and mortgage originating business, marketed various third LEE FARKAS RELEASED FROM PRISON Lee Farkas Released from Prison. On June 30, 2011, Lee Farkas was sentenced to serve 360 months in in Federal Prison. He has been serving that time at Coleman Low Federal Correctional Institution in Sumterville, Florida and was scheduled to be released from prison on October 31, 2036. Yesterday, U.S. District Court Judge Leonie Brinkemain
17 DEFENDANTS CHARGED IN 7 SEPARATE CASES Rachel, This is pretty sophisticated scheme..I’ve never heard anything like this happen in Nevada (I’m sure somebody has done it though.) “The defendants and others allegedly engaged in a scheme from November 2009 through May 2010 to obtain approximately $887,000 in mortgage loan proceeds by using fraudulently inflated appraisals to sell various properties to a nominee buyer who CONNECTICUT MAN SENTENCED TO 4 YEARS FOR DEFRAUDING Connecticut Man Sentenced to 4 Years for Defrauding Lenders. Allison Tussey —. September 2, 2009 — 2 Comments. Edward J. Safdie, 71, Madison, Connecticut, was sentenced September 1, 2009, by United States District Judge Janet Bond Arterton in New Haven to 51 months of imprisonment, followed by five years of supervised release, forengaging
MORTGAGE FRAUD BLOG
Ronald J. Mccord, 70, Oklahoma City, Oklahoma pleaded guilty yesterday to defrauding two locally-based banks, Fannie Mae, and others through a broad range of fraudulent conduct over the course of three years.. McCord was the Chairman and founder of First Mortgage Company, LLC (“FMC”), an Oklahoma City, Oklahoma based mortgage lending and loan servicing company.MORTGAGE FRAUD BLOG
Stephanie Abbott —. June 3, 2021 — Leave a comment. Steve Young Kang, aka “Steven Young Kang” and “Young Tae Kang, ” 66, Ridgefield, New Jersey, was sentenced today to 18 months in prison for his role in a multi-year scheme to defraud financial institutions and others for a Short Sale Fraud Scheme. According to documents filed in FORMER PRESIDENT OF FIRST MORTGAGE CO. PLEADS GUILTY TO Ronald J. Mccord, 70, Oklahoma City, Oklahoma pleaded guilty yesterday to defrauding two locally-based banks, Fannie Mae, and others through a broad range of fraudulent conduct over the course of three years.. McCord was the Chairman and founder of First Mortgage Company, LLC (“FMC”), an Oklahoma City, Oklahoma based mortgage lending and loan servicing company. WOMAN CHARGED WITH BANK FRAUD Pilar Rose, 58, Fresno, California was charged today with bank fraud, tax evasion, obstructing an IRS tax audit, and aggravated identity theft.. According to court documents, Rose, who managed her husband’s orthodontics practice, committed bank fraud by submitting false financial information to obtain a $1.4 million home refinance and a loan for a BMW. MAN INDICTED FOR $82M REAL ESTATE FRAUD SCAM Man Indicted for $82M Real Estate Fraud Scam. Randy Alan Carpenter, 54, Spruce Pine, North Carolina, was indicted by a federal grand jury, sitting in Charlotte, North Carolina, on charges of conspiracy, bank fraud and making false statements on tax returns. According to the criminal indictment, the defendant and his co-conspirators operated a MAN CHARGED FOR ALLEGED FRAUD SCHEMES Daniel R. Fruits, 46, Greenwood, Indiana, was charged today by a federal grand jury for his alleged role in three separate fraud schemes, including attempted mortgage fraud , a nearly $14 million fraud on an investor, and a vehicle title-washing scheme.. The Indictment alleges Fruits attempted to perpetrate a mortgage fraud scheme on Fifth Third Bank. REAL ESTATE AGENT SENT TO PRISON FOR SHORT SALE FRAUD Minerva Sanchez, 48, Fremont, California, a licensed real estate agent, was sentenced by Senior U.S. District Judge Anthony W. Ishii to 21 months in prison for her role in a short sale fraud scheme.. Sanchez also was ordered to pay restitution to financial institutions in the amount of $421,372.. According to court documents, Sanchez was a licensed real estate agent who, beginning in or around 7 ARRESTED IN $6.2M LOAN MODIFICATION SCAM 7 Arrested in $6.2M Loan Modification Scam. Seven suspects who have been charged in a mortgage fraud scheme that defrauded more than 1,550 Inland Valley, California, homeowners seeking loan modification services during the foreclosure crisis have been arrested. The felony complaint alleges that Nehad “Nick” Ayyoub Ayyoub, 57, SanBernardino
MAN SENTENCED FOR USING FORGED DEEDS TO STEAL HOMES Man Sentenced For Using Forged Deeds to Steal Homes. Robert McCloud, 39, most recently of Warrenville, South Carolina, was sentenced today to 18 months in prison on a federal wire fraud charge stemming from a real estate scheme in which he and others used forged deeds and fake driver’s licenses to fraudulently transfer ownership of District LEE FARKAS RELEASED FROM PRISON Lee Farkas Released from Prison. On June 30, 2011, Lee Farkas was sentenced to serve 360 months in in Federal Prison. He has been serving that time at Coleman Low Federal Correctional Institution in Sumterville, Florida and was scheduled to be released from prison on October 31, 2036. Yesterday, U.S. District Court Judge Leonie Brinkemain
MORTGAGE FRAUD BLOG
Ronald J. Mccord, 70, Oklahoma City, Oklahoma pleaded guilty yesterday to defrauding two locally-based banks, Fannie Mae, and others through a broad range of fraudulent conduct over the course of three years.. McCord was the Chairman and founder of First Mortgage Company, LLC (“FMC”), an Oklahoma City, Oklahoma based mortgage lending and loan servicing company.MORTGAGE FRAUD BLOG
Stephanie Abbott —. June 3, 2021 — Leave a comment. Steve Young Kang, aka “Steven Young Kang” and “Young Tae Kang, ” 66, Ridgefield, New Jersey, was sentenced today to 18 months in prison for his role in a multi-year scheme to defraud financial institutions and others for a Short Sale Fraud Scheme. According to documents filed in FORMER PRESIDENT OF FIRST MORTGAGE CO. PLEADS GUILTY TO Ronald J. Mccord, 70, Oklahoma City, Oklahoma pleaded guilty yesterday to defrauding two locally-based banks, Fannie Mae, and others through a broad range of fraudulent conduct over the course of three years.. McCord was the Chairman and founder of First Mortgage Company, LLC (“FMC”), an Oklahoma City, Oklahoma based mortgage lending and loan servicing company. WOMAN CHARGED WITH BANK FRAUD Pilar Rose, 58, Fresno, California was charged today with bank fraud, tax evasion, obstructing an IRS tax audit, and aggravated identity theft.. According to court documents, Rose, who managed her husband’s orthodontics practice, committed bank fraud by submitting false financial information to obtain a $1.4 million home refinance and a loan for a BMW. MAN INDICTED FOR $82M REAL ESTATE FRAUD SCAM Man Indicted for $82M Real Estate Fraud Scam. Randy Alan Carpenter, 54, Spruce Pine, North Carolina, was indicted by a federal grand jury, sitting in Charlotte, North Carolina, on charges of conspiracy, bank fraud and making false statements on tax returns. According to the criminal indictment, the defendant and his co-conspirators operated a MAN CHARGED FOR ALLEGED FRAUD SCHEMES Daniel R. Fruits, 46, Greenwood, Indiana, was charged today by a federal grand jury for his alleged role in three separate fraud schemes, including attempted mortgage fraud , a nearly $14 million fraud on an investor, and a vehicle title-washing scheme.. The Indictment alleges Fruits attempted to perpetrate a mortgage fraud scheme on Fifth Third Bank. REAL ESTATE AGENT SENT TO PRISON FOR SHORT SALE FRAUD Minerva Sanchez, 48, Fremont, California, a licensed real estate agent, was sentenced by Senior U.S. District Judge Anthony W. Ishii to 21 months in prison for her role in a short sale fraud scheme.. Sanchez also was ordered to pay restitution to financial institutions in the amount of $421,372.. According to court documents, Sanchez was a licensed real estate agent who, beginning in or around 7 ARRESTED IN $6.2M LOAN MODIFICATION SCAM 7 Arrested in $6.2M Loan Modification Scam. Seven suspects who have been charged in a mortgage fraud scheme that defrauded more than 1,550 Inland Valley, California, homeowners seeking loan modification services during the foreclosure crisis have been arrested. The felony complaint alleges that Nehad “Nick” Ayyoub Ayyoub, 57, SanBernardino
MAN SENTENCED FOR USING FORGED DEEDS TO STEAL HOMES Man Sentenced For Using Forged Deeds to Steal Homes. Robert McCloud, 39, most recently of Warrenville, South Carolina, was sentenced today to 18 months in prison on a federal wire fraud charge stemming from a real estate scheme in which he and others used forged deeds and fake driver’s licenses to fraudulently transfer ownership of District LEE FARKAS RELEASED FROM PRISON Lee Farkas Released from Prison. On June 30, 2011, Lee Farkas was sentenced to serve 360 months in in Federal Prison. He has been serving that time at Coleman Low Federal Correctional Institution in Sumterville, Florida and was scheduled to be released from prison on October 31, 2036. Yesterday, U.S. District Court Judge Leonie Brinkemain
MAN CHARGED FOR ALLEGED FRAUD SCHEMES Daniel R. Fruits, 46, Greenwood, Indiana, was charged today by a federal grand jury for his alleged role in three separate fraud schemes, including attempted mortgage fraud , a nearly $14 million fraud on an investor, and a vehicle title-washing scheme.. The Indictment alleges Fruits attempted to perpetrate a mortgage fraud scheme on Fifth Third Bank.MORTGAGE FRAUD BLOG
Ronald J. Mccord, 70, Oklahoma City, Oklahoma pleaded guilty yesterday to defrauding two locally-based banks, Fannie Mae, and others through a broad range of fraudulent conduct over the course of three years.. McCord was the Chairman and founder of First Mortgage Company, LLC (“FMC”), an Oklahoma City, Oklahoma based mortgage lending and loan servicing company. 45 INDICTED IN OHIO MORTGAGE FRAUD CASE INVOLVING 453 45 Indicted in Ohio Mortgage Fraud Case Involving 453 Homes. An 18-month investigation led to indictments against 41 people and four companies. The defendants are alleged to have engaged in real estate transactions to purchase 453 homes in Ohio with fraudulent loans totaling $44 million. Uri Gofman, Beachwood, Ohio, is alleged to have MOTHER & SON CONVICTED IN MORTGAGE FRAUD SCAM Mother & Son Convicted in Mortgage Fraud Scam. John Pereless, 42, Colts Neck, New Jersey, has been convicted of one count of second degree Conspiracy to Commit Theft by Deception, eight counts of second degree Theft by Deception, eight counts of fourth degree Securing Execution of Documents by Deception and eight counts of fourth degree REAL ESTATE EXECUTIVES SENTENCED FOR MORTGAGE FRAUD J. Christopher Daly, 49, New York, New York, and Michael Abreu, 43, Carmel, New York, two former executives at the Sheldrake Organization, a real estate development and management company, were sentenced in Manhattan federal court to 15 months and one year and one day in prison, respectively, for their roles in a scheme to fraudulently obtain $2.2 million from a foreign-owned bank. CONSPIRATORS SENTENCED FOR INFLATING PURCHASE PRICES Conspirators Sentenced for Inflating Purchase Prices. Quincy Dynell Harrington, Corinth, Texas, has been sentenced for his role in a mortgage fraud scheme. Harrington was sentenced by US District Court Judge Richard Schell to 18 months in prison, followed by 3 years ofsupervised release.
A.G. SETTLES WITH PHH MORTGAGE CORP. PHH Mortgage Corporation (“PHH”) has entered into a settlement today with Attorney General Chris Carr’s office to resolve allegations that it violated Georgia’s Fair Business Practices Act by charging unauthorized fees to Georgia consumers.. The Attorney General’s office alleges that PHH, a New Jersey-based mortgage servicing and mortgage originating business, marketed various third LEE FARKAS RELEASED FROM PRISON Lee Farkas Released from Prison. On June 30, 2011, Lee Farkas was sentenced to serve 360 months in in Federal Prison. He has been serving that time at Coleman Low Federal Correctional Institution in Sumterville, Florida and was scheduled to be released from prison on October 31, 2036. Yesterday, U.S. District Court Judge Leonie Brinkemain
17 DEFENDANTS CHARGED IN 7 SEPARATE CASES Rachel, This is pretty sophisticated scheme..I’ve never heard anything like this happen in Nevada (I’m sure somebody has done it though.) “The defendants and others allegedly engaged in a scheme from November 2009 through May 2010 to obtain approximately $887,000 in mortgage loan proceeds by using fraudulently inflated appraisals to sell various properties to a nominee buyer who CONNECTICUT MAN SENTENCED TO 4 YEARS FOR DEFRAUDING Connecticut Man Sentenced to 4 Years for Defrauding Lenders. Allison Tussey —. September 2, 2009 — 2 Comments. Edward J. Safdie, 71, Madison, Connecticut, was sentenced September 1, 2009, by United States District Judge Janet Bond Arterton in New Haven to 51 months of imprisonment, followed by five years of supervised release, forengaging
MORTGAGE FRAUD BLOG
Ronald J. Mccord, 70, Oklahoma City, Oklahoma pleaded guilty yesterday to defrauding two locally-based banks, Fannie Mae, and others through a broad range of fraudulent conduct over the course of three years.. McCord was the Chairman and founder of First Mortgage Company, LLC (“FMC”), an Oklahoma City, Oklahoma based mortgage lending and loan servicing company.MORTGAGE FRAUD BLOG
Stephanie Abbott —. June 3, 2021 — Leave a comment. Steve Young Kang, aka “Steven Young Kang” and “Young Tae Kang, ” 66, Ridgefield, New Jersey, was sentenced today to 18 months in prison for his role in a multi-year scheme to defraud financial institutions and others for a Short Sale Fraud Scheme. According to documents filed in WOMAN CHARGED WITH BANK FRAUD Pilar Rose, 58, Fresno, California was charged today with bank fraud, tax evasion, obstructing an IRS tax audit, and aggravated identity theft.. According to court documents, Rose, who managed her husband’s orthodontics practice, committed bank fraud by submitting false financial information to obtain a $1.4 million home refinance and a loan for a BMW. REAL ESTATE AGENT SENT TO PRISON FOR SHORT SALE FRAUD Minerva Sanchez, 48, Fremont, California, a licensed real estate agent, was sentenced by Senior U.S. District Judge Anthony W. Ishii to 21 months in prison for her role in a short sale fraud scheme.. Sanchez also was ordered to pay restitution to financial institutions in the amount of $421,372.. According to court documents, Sanchez was a licensed real estate agent who, beginning in or around MAN INDICTED FOR $82M REAL ESTATE FRAUD SCAM Man Indicted for $82M Real Estate Fraud Scam. Randy Alan Carpenter, 54, Spruce Pine, North Carolina, was indicted by a federal grand jury, sitting in Charlotte, North Carolina, on charges of conspiracy, bank fraud and making false statements on tax returns. According to the criminal indictment, the defendant and his co-conspirators operated a SETTLEMENT IN CLAIMS FOR FRAUD WITH RESIDENTIAL MORTGAGE Paul Mangione, a former Deutsche Bank executive, has reached agreement, with the United States to settle a civil action filed in September 2017 in which the United States sought civil penalties for Mangione’s conduct in connection with Deutsche Bank’s marketing and sale of two residential mortgage-backed securities (RMBS) in 2007.. The complaint in the action, United States v. 7 ARRESTED IN $6.2M LOAN MODIFICATION SCAM 7 Arrested in $6.2M Loan Modification Scam. Seven suspects who have been charged in a mortgage fraud scheme that defrauded more than 1,550 Inland Valley, California, homeowners seeking loan modification services during the foreclosure crisis have been arrested. The felony complaint alleges that Nehad “Nick” Ayyoub Ayyoub, 57, SanBernardino
MOTHER & SON CONVICTED IN MORTGAGE FRAUD SCAM Mother & Son Convicted in Mortgage Fraud Scam. John Pereless, 42, Colts Neck, New Jersey, has been convicted of one count of second degree Conspiracy to Commit Theft by Deception, eight counts of second degree Theft by Deception, eight counts of fourth degree Securing Execution of Documents by Deception and eight counts of fourth degree A.G. SETTLES WITH PHH MORTGAGE CORP. PHH Mortgage Corporation (“PHH”) has entered into a settlement today with Attorney General Chris Carr’s office to resolve allegations that it violated Georgia’s Fair Business Practices Act by charging unauthorized fees to Georgia consumers.. The Attorney General’s office alleges that PHH, a New Jersey-based mortgage servicing and mortgage originating business, marketed various third CONSPIRATORS SENTENCED FOR INFLATING PURCHASE PRICES Conspirators Sentenced for Inflating Purchase Prices. Quincy Dynell Harrington, Corinth, Texas, has been sentenced for his role in a mortgage fraud scheme. Harrington was sentenced by US District Court Judge Richard Schell to 18 months in prison, followed by 3 years ofsupervised release.
MORTGAGE FRAUD BLOG
Ronald J. Mccord, 70, Oklahoma City, Oklahoma pleaded guilty yesterday to defrauding two locally-based banks, Fannie Mae, and others through a broad range of fraudulent conduct over the course of three years.. McCord was the Chairman and founder of First Mortgage Company, LLC (“FMC”), an Oklahoma City, Oklahoma based mortgage lending and loan servicing company.MORTGAGE FRAUD BLOG
Stephanie Abbott —. June 3, 2021 — Leave a comment. Steve Young Kang, aka “Steven Young Kang” and “Young Tae Kang, ” 66, Ridgefield, New Jersey, was sentenced today to 18 months in prison for his role in a multi-year scheme to defraud financial institutions and others for a Short Sale Fraud Scheme. According to documents filed in WOMAN CHARGED WITH BANK FRAUD Pilar Rose, 58, Fresno, California was charged today with bank fraud, tax evasion, obstructing an IRS tax audit, and aggravated identity theft.. According to court documents, Rose, who managed her husband’s orthodontics practice, committed bank fraud by submitting false financial information to obtain a $1.4 million home refinance and a loan for a BMW. REAL ESTATE AGENT SENT TO PRISON FOR SHORT SALE FRAUD Minerva Sanchez, 48, Fremont, California, a licensed real estate agent, was sentenced by Senior U.S. District Judge Anthony W. Ishii to 21 months in prison for her role in a short sale fraud scheme.. Sanchez also was ordered to pay restitution to financial institutions in the amount of $421,372.. According to court documents, Sanchez was a licensed real estate agent who, beginning in or around MAN INDICTED FOR $82M REAL ESTATE FRAUD SCAM Man Indicted for $82M Real Estate Fraud Scam. Randy Alan Carpenter, 54, Spruce Pine, North Carolina, was indicted by a federal grand jury, sitting in Charlotte, North Carolina, on charges of conspiracy, bank fraud and making false statements on tax returns. According to the criminal indictment, the defendant and his co-conspirators operated a SETTLEMENT IN CLAIMS FOR FRAUD WITH RESIDENTIAL MORTGAGE Paul Mangione, a former Deutsche Bank executive, has reached agreement, with the United States to settle a civil action filed in September 2017 in which the United States sought civil penalties for Mangione’s conduct in connection with Deutsche Bank’s marketing and sale of two residential mortgage-backed securities (RMBS) in 2007.. The complaint in the action, United States v. 7 ARRESTED IN $6.2M LOAN MODIFICATION SCAM 7 Arrested in $6.2M Loan Modification Scam. Seven suspects who have been charged in a mortgage fraud scheme that defrauded more than 1,550 Inland Valley, California, homeowners seeking loan modification services during the foreclosure crisis have been arrested. The felony complaint alleges that Nehad “Nick” Ayyoub Ayyoub, 57, SanBernardino
MOTHER & SON CONVICTED IN MORTGAGE FRAUD SCAM Mother & Son Convicted in Mortgage Fraud Scam. John Pereless, 42, Colts Neck, New Jersey, has been convicted of one count of second degree Conspiracy to Commit Theft by Deception, eight counts of second degree Theft by Deception, eight counts of fourth degree Securing Execution of Documents by Deception and eight counts of fourth degree A.G. SETTLES WITH PHH MORTGAGE CORP. PHH Mortgage Corporation (“PHH”) has entered into a settlement today with Attorney General Chris Carr’s office to resolve allegations that it violated Georgia’s Fair Business Practices Act by charging unauthorized fees to Georgia consumers.. The Attorney General’s office alleges that PHH, a New Jersey-based mortgage servicing and mortgage originating business, marketed various third CONSPIRATORS SENTENCED FOR INFLATING PURCHASE PRICES Conspirators Sentenced for Inflating Purchase Prices. Quincy Dynell Harrington, Corinth, Texas, has been sentenced for his role in a mortgage fraud scheme. Harrington was sentenced by US District Court Judge Richard Schell to 18 months in prison, followed by 3 years ofsupervised release.
FORMER PRESIDENT OF FIRST MORTGAGE CO. PLEADS GUILTY TO Ronald J. Mccord, 70, Oklahoma City, Oklahoma pleaded guilty yesterday to defrauding two locally-based banks, Fannie Mae, and others through a broad range of fraudulent conduct over the course of three years.. McCord was the Chairman and founder of First Mortgage Company, LLC (“FMC”), an Oklahoma City, Oklahoma based mortgage lending and loan servicing company. MAN CHARGED FOR ALLEGED FRAUD SCHEMES Daniel R. Fruits, 46, Greenwood, Indiana, was charged today by a federal grand jury for his alleged role in three separate fraud schemes, including attempted mortgage fraud , a nearly $14 million fraud on an investor, and a vehicle title-washing scheme.. The Indictment alleges Fruits attempted to perpetrate a mortgage fraud scheme on Fifth Third Bank. MAN INDICTED FOR $82M REAL ESTATE FRAUD SCAM Man Indicted for $82M Real Estate Fraud Scam. Randy Alan Carpenter, 54, Spruce Pine, North Carolina, was indicted by a federal grand jury, sitting in Charlotte, North Carolina, on charges of conspiracy, bank fraud and making false statements on tax returns. According to the criminal indictment, the defendant and his co-conspirators operated a SETTLEMENT IN CLAIMS FOR FRAUD WITH RESIDENTIAL MORTGAGE Paul Mangione, a former Deutsche Bank executive, has reached agreement, with the United States to settle a civil action filed in September 2017 in which the United States sought civil penalties for Mangione’s conduct in connection with Deutsche Bank’s marketing and sale of two residential mortgage-backed securities (RMBS) in 2007.. The complaint in the action, United States v. OPERATION WAX HOUSE CHARGES 9 MORE WITH MORTGAGE FRAUD Operation Wax House Charges 9 More with Mortgage Fraud. A federal superseding indictment charged nine additional defendants with racketeering, investment fraud, mortgage fraud, bank bribery and money laundering. This latest round of criminal charges resulting from Operation Wax House, a mortgage fraud investigation which began in theWestern
HOME BUILDER SENTENCED TO 9 YEARS FOR MORTGAGE FRAUD F. Jeffrey Miller, 49, Stanley, Kansas, a Kansas City builder, has been sentenced to 108 months in federal prison for conspiracy to commit bank fraud and money laundering in a $5 million mortgage fraud scheme. Miller was tried and convicted in 2008 on one count of conspiracy, one count of money laundering and two counts of criminal contempt. Also sentenced was co-defendant Hallie Irvin, 30 NASHVILLE HOUSE FLIPPER CHARGED WITH BANK FRAUD Kirk Douglas West aka Kirk R. Leipzig was charged with two counts of bank fraud by Information in the United States District Court for the Middle District of Tennessee (Nashville Division.) The Information alleges that Leipzig inflated his income and net worth on personal financial statements and/or loan application documents submitted to Reliant Bank and submitted fraudulent or forged PART OWNER CHARGED IN FRAUDULENT SALE OF JOINTLY-OWNED Part Owner Charged in Fraudulent Sale of Jointly-Owned Building. Mark M. Benun, 35, New York, New York, was arrested on a criminal Complaint charging him with interstate transportation of a portion of the proceeds from the fraudulent sale, for more than $5 million, of a building at 161st Street in the Bronx. Benun was arrested at hisManhattan
FLORIDA MAN ARRESTED FOR TENNESSEE MORTGAGE FRAUD SCHEME Florida Man Arrested for Tennessee Mortgage Fraud Scheme. Thomas Duane Roderick , 42, Wesley Chapel, Florida, has been indicted by a federal grand jury in Greeneville, Tennessee, charged with one (1) count of wire fraud, three (3) counts of bank fraud, and three (3) counts of money laundering. The indictment was issued on April 15, 2009, but LEE FARKAS RELEASED FROM PRISON Lee Farkas Released from Prison. On June 30, 2011, Lee Farkas was sentenced to serve 360 months in in Federal Prison. He has been serving that time at Coleman Low Federal Correctional Institution in Sumterville, Florida and was scheduled to be released from prison on October 31, 2036. Yesterday, U.S. District Court Judge Leonie Brinkemain
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FORMER PRESIDENT OF FIRST MORTGAGE CO. PLEADS GUILTY TO FALSE STATEMENTS TO A FINANCIAL INSTITUTIONStephanie Abbott
— May 11,
2021 — Leave a comment RONALD J. MCCORD, 70, Oklahoma City, Oklahoma pleaded guilty yesterday to defrauding two locally-based banks, Fannie Mae, and others through a broad range of fraudulent conduct over the course of three years. McCord was the Chairman and founder of FIRST MORTGAGE COMPANY, LLC (“FMC”), an Oklahoma City, Oklahoma based mortgage lending and loan servicing company. According to court documents and yesterday’s plea hearing, McCord admitted to defrauding SPIRIT BANK (“SPIRIT”) and CITIZENS STATE BANK (“CITIZENS”)—two state-chartered financial institutions—as well as their respective residential mortgage subsidiaries, AMERICAN SOUTHWEST MORTGAGE CORPORATION (“MORTGAGE CORP.”) and AMERICAN SOUTHWEST MORTGAGE FUNDING CORPORATION (“FUNDING CORP.”). An independent audit discovered that McCord had sold more than $14,100,000.00 in Spirit/Mortgage Corp. and Citizens/Funding Corp. loans “out of trust” by failing to repay Spirit/Mortgage Corp. when certain Spirit/Mortgage Corp.-initiated loans were refinanced or otherwise paid off. At the time of this discovery, FMC carried outstanding balances of about $200,000,000.00 and $140,000,000.00 on the Spirit/Mortgage Corp. and Citizens/Funding Corp. lines of credit, respectively. Upon learning of McCord’s conduct, Spirit/Mortgage Corp. and Citizens/Funding Corp. terminated future warehouse lending to FMC, and instituted new notification requirements that required McCord to assign FMC-funded mortgages to Spirit/Mortgage Corp. and Citizens/Funding Corp., to ensure the title companies handling those mortgages sent payoffs directly to the banks. McCord admitted at yesterday’s plea hearing that he filed the assignments as required, but then caused the mortgages to be released on two properties—in Leland and Denver, North Carolina—after collecting the mortgagepayoffs.
Spirit/Mortgage Corp. and Citizens/Funding Corp.’s refusal to fund new FMC mortgages prompted McCord to seek out a new warehouse lender. In early 2017, McCord began negotiating with CAPLOC, LLC, a North Carolina-based mortgage lending business, and offered to sell FMC’s mortgage lending business in exchange for quick funding from CapLOC. At yesterday’s plea hearing, McCord admitted that he made a materially false statement and representation to CapLOC in the course of those negotiations, in order to influence CapLOC’sactions.
Finally, in 2017, FMC serviced approximately 12,000 loans worth a total of approximately $1,800,000,000.00 for the Federal National Mortgage Association (“Fannie Mae”). McCord admitted at the plea hearing that he defrauded Fannie Mae by diverting escrow monies intended to pay homeowners’ taxes and insurance premiums to cover FMC’s operating expenses. McCord also admitted that he then laundered the proceeds by causing a wire transfer from FMC’s operating account to a custom home builder, as payment towards construction of McCord’s home in Colorado. At sentencing, which is currently scheduled for August 9, 2021, McCord faces up to 30 years in prison and a fine of up to $1,000,000.00 on each count of bank fraud and false statement to a financial institution. He also faces up to 10 years in prison and a $250,000.00 fine on the money laundering count. Per the terms of his plea agreement, the government agreed not to advocate at sentencing for a sentence above 104 months. Under the plea agreement, McCord will be ordered to pay restitution to the victims of his conduct in amounts to be determined by the court at the time of sentencing. McCord must also forfeit proceeds of the fraudulent schemes and property involved in the offenses. Further, as part of the plea agreement, the government will dismiss at sentencing the remaining counts of the Indictment. On June 3, 2020, a grand jury returned a 24-count Indictment against McCord. The charges included bank fraud, money laundering, and making a false statement to a financial institution. The announcement was made by Acting U.S. Attorney Robert J. Troester. This case is the result of investigations by the Federal Housing Finance Agency Office of the Inspector General, Federal Deposit Insurance Corporation Office of Inspector General, and the Federal Bureau of Investigation. Assistant U.S. Attorney Julia E. Barry is prosecuting the case. Reference is made to court filings for further information.In Mortgage Fraud
Escrow Fraud ,
Oklahoma , ServicingFraud
ATTORNEY SENTENCED FOR STEALING DOWN PAYMENTS HELD IN ESCROWStephanie Abbott
— May 10,
2021 — Leave a comment EDMUNDO ROMAN-PEREZ, 71, Sunset Park, Brooklyn, an attorney has been sentenced today to 1 to 3 years in prison for stealing approximately $280,000 in down payments he received to hold in escrow from two clients he represented in the sale of their homes. The defendant pleaded guilty to second-degree grand larceny in December 2020. According to the investigation, in late 2018, a couple hired the defendant to represent them in the sale of their two-family, SUNSET PARK, BROOKLYN home. The home sold for $1,350,000 and the defendant received a $135,000 down payment from the buyers that he should have held in his attorney escrow account until the date of closing, when the funds should have been released to his clients. Instead, the defendant used the money for his own benefit. After closing in March 2019, the defendant issued checks to his clients purporting to cover the $135,000 owed, which bounced upon deposit. The defendant failed to disburse the funds he owed to his clients. Similarly, between November 2018 and April 2019, the defendant represented three brothers in the sale of their two-family home in DYKER HEIGHTS, BROOKLYN. The home sold for $1,500,000 and the defendant received a $150,000 down payment from the buyers that he should have held in his attorney escrow account until closing, when he should have released the money to his clients. Instead, the defendant again used the money for his own benefit, and issued the brothers checks purporting to cover the funds owed to each of them. The checks bounced and the defendant failed to distribute the funds he owed tothe brothers.
Additionally, the defendant was under indictment in Richmond County related to allegations that he stole client funds. In November 2020, he pleaded guilty to one count of third-degree grand larceny and received a sentence of 1 to 3 years in prison. The Brooklyn and Staten Island sentences will run concurrently. Brooklyn District Attorney Eric Gonzalez made the announcement. District Attorney Gonzalez said, “_Today’s sentence holds this defendant accountable for the serious breach of trust and financial hardship he caused his victims. Let this serve as a reminder that I am committed to protecting Brooklyn’s residents from attorneys and other unscrupulous fraudsters who abuse their positions of authority to take advantage of those they are entrusted to advise andrepresent_.”
The case was investigated by Supervising Financial Investigator Deborah Wey of the District Attorney’s Investigations Division. The case was prosecuted by Senior Assistant District Attorney Katherine Zdrojeski of the District Attorney’s Public Integrity Bureau, under the supervision of Assistant District Attorney Laura Neubauer, Chief of the Public Integrity Bureau, and Assistant District Attorney Michel Spanakos, Deputy Chief of the Investigations Division, and the overall supervision of Assistant District Attorney Patricia McNeill, Chief of the Investigations Division.In Mortgage Fraud
attorney , escrow
theft , New York
ATTORNEY INDICTED FOR ALLEGEDLY STEALING FROM CLIENT IN THE SALE OFHER PROPERTY
Stephanie Abbott
— May 10,
2021 — Leave a comment ANTONI MOSZCZYNSKI, 67, Madison, New Jersey, an attorney has been arraigned today on an indictment in which he is charged with grand larceny for allegedly stealing approximately $239,500 in funds he received, and was not entitled to, while representing a client in the sale of her deceased sister’s estate. According to the investigation, in December 2019, the defendant, an attorney who is currently licensed to practice law in New York, represented the victim in the sale of her property at 584 LEONARD STREET, BROOKLYN, NEW YORK. The victim, who was appointed executrix of her deceased sister’s estate, entered contract of sale for $2.395million.
It is alleged that on December 2, 2019, the defendant received a wired down payment from the buyer into his escrow account in the amount of $239,500. Furthermore, it is alleged that, within a week, the defendant transferred $210,000 into his personal bank account with Wells Fargo, and within three months had withdrawn or spent the remainder of the down payment. The victim retained a different attorney to represent the estate at the closing, which took place on June 30, 2020. The defendant was allegedly not present at the closing and has not answered calls from the victim or her attorney. To date, the defendant has not given the victim or the estate the down payment he allegedly stole. Moszczynski was arraigned in front of Brooklyn Supreme Court Justice Danny Chun on an indictment in which he is charged with second-degree grand larceny. He was released without bail and ordered to return to court on June 29, 2021. Brooklyn District Attorney Eric Gonzalez today made the announcement. District Attorney Gonzalez said, “_This defendant allegedly abused his power and betrayed his client to steal hundreds of thousands of dollars to which he was not entitled and has not returned despite the victim’s repeated attempts to contact him. We will now seek to hold him accountable for this flagrant and brazen theft._” If you believe that you or someone you know is the victim of fraud or theft perpetrated by the defendant, please call the District Attorney’s Action Center at (718) 250-2340. This case is being prosecuted by Senior Assistant District Attorney Sara Walshe of the District Attorney’s Public Integrity Bureau, under the supervision of Assistant District Attorney Laura Neubauer, Chief of the Public Integrity Bureau, and Assistant District Attorney Michel Spanakos, Deputy Chief of the Investigations Division, and the overall supervision of Assistant District Attorney Patricia McNeill, Chief of the Investigations Division. AN INDICTMENT IS AN ACCUSATORY INSTRUMENT AND NOT PROOF OF ADEFENDANT’S GUILT
In Mortgage Fraud
attorney , Down
Payment Fraud
, New York
WOMAN CHARGED WITH BANK FRAUDStephanie Abbott
— April 29,
2021 — Leave a comment PILAR ROSE, 58, Fresno, California was charged today with bank fraud, tax evasion, obstructing an IRS tax audit, and aggravated identitytheft.
According to court documents, Rose, who managed her husband’s orthodontics practice, committed bank fraud by submitting false financial information to obtain a $1.4 million home refinance and a loan for a BMW. She committed aggravated identity theft by using an acquaintance’s Social Security number for the latter loan. Rose evaded over $400,000 in taxes in 2014 and 2015. She then altered and produced financial records to the IRS during an audit to make personal expenses appear to be deductible business expenses. Acting U.S. Attorney Phillip A. Talbert made the announcement. This case is the product of an investigation by the IRS Criminal Investigation. Assistant U.S. Attorney Joseph Barton is prosecutingthe case.
If convicted of evading taxes, Rose faces a maximum penalty of five years in prison and a fine of up to $250,000. If convicted of obstructing an IRS audit, she faces a maximum penalty of three years in prison and a fine of up to $250,000. If convicted of bank fraud, she faces a maximum penalty of 30 years in prison and a fine of up to $1 million. If convicted of aggravated identity theft, she faces a penalty of two years in prison consecutive to any other sentence she may receive and a fine of up to $250,000. Any sentence, however, would be determined at the discretion of the court after consideration of any applicable statutory factors and the Federal Sentencing Guidelines, which take into account a number of variables. The charges are only allegations; the defendant is presumed innocent until and unless proven guilty beyond a reasonable doubt.In Mortgage Fraud
Bank
Fraud , California
, false information
FORMER WHITE HOUSE ADVISER ARRESTED FOR USING STOLEN FUNDS TO GETLOWER INTEREST RATE
Stephanie Abbott
— April 27,
2021 — Leave a comment SETH ANDREW, 42 has been charged with wire fraud, money laundering, and making false statements to a financial institution, in connection with a scheme in which Andrew stole $218,005 from a charter school network that he founded. As alleged in the Complaint unsealed today:
In 2005, Seth Andrew helped create “School Network-1,” a series of public charter schools then based in New York City, New York. In the Spring of 2013, Andrew left School Network-1 and accepted a job in the United States Department of Education and, thereafter, as a senior adviser in the Office of Educational Technology at the White House. While employed at the Department of Education, and at the White House, Andrew was paid by School Network-1. In November 2016, Andrew left his role in the White House and, shortly thereafter, in January 2017, Andrew officially severed his relationship with School Network-1. School Network-1 comprises several charter schools throughout United States including several in New York City. Pursuant to an agreement with the New York State Board of Regents, School Network-1’s New York-based charter schools must maintain an “escrow account” that may be accessed only if the school dissolves. Three such escrow accounts, for three New York City-based School Network-1 schools, were opened by Andrew and other School Network-1 employees at “Bank-1” in 2009, 2011, and 2013. As to each of those three accounts – Escrow Account-1, Escrow Account-2, and Escrow Account-3 – Andrew was a signatory and had access to the funds in them. However, pursuant to the charter agreement, the funds in the Escrow Accounts were reserved in case the school dissolved, and the funds could not be moved by Andrew, or anyone, without proper authorization. After he severed his relationship with School Network-1, on March 28, 2019, Andrew entered a Bank-1 branch in New York City and closed both Escrow Account-1 and Escrow Account-2. Bank-1 provided Andrew a bank check in the amount of $71,881.23 made payable to “ Charter School” (“Check-1”) and a second bank check in the amount of $70,642.98 to “ Harlem Charter” (“Check-2”). Check-1 and Check-2 represented the funds that were in Escrow Account-1 and Escrow Account-2, respectively. The same day that Andrew closed Escrow Account-1 and Escrow Account-2, Andrew entered a Manhattan branch of a different FDIC-insured bank (“Bank-2”) and opened a business bank account in the name of “ Charter School” (“Fraud Account‑1”). To open that account, Andrew represented to a Bank-2 employee that he was a “Key Executive with Control of” School Network-1 Charter School, which was a lie. Andrew then deposited Check-1 into the account but, that day, Andrew did not deposit Check-2. Five days later, on April 2, 2019, Andrew used an ATM machine in Baltimore, Maryland, to deposit Check-2 into Fraud Account-1. It appears Andrew waited to deposit Check-2 because it was made payable to “School Network-1 Harlem Charter” and not “School Network-1 Charter School.” Had he tried to deposit Check-2 when he opened Fraud Account-1 it would not have been honored by Bank-2. At the time Andrew deposited Check-1 and Check-2 into a Bank-2 bank account, Andrew was contemplating obtaining a mortgage from Bank-2 to purchase a residential property. At that time, Bank-2 offered certain customers, as a promotion, more favorable mortgage interest rates if those customers maintained a certain amount of funds in Bank-2 accounts. Specifically, for every $250,000 on deposit, up to a total of $1 million, Bank-2 would lower that qualifying customer’s mortgage interest rate by 0.125%. Thus, in total, if a qualifying customer maintained $1 million or more of his/her funds in Bank-2 accounts that customer would receive a 0.5% interest rate deduction on a Bank-2 mortgage. But to take advantage of the interest rate deduction promotion, Bank-2 required that the funds a customer deposited be funds owned by the customer or, in some instances, a business the customer owned, controlled or was lawfully associated with. Bank-2 did not permit a customer to utilize money owned by someone else to gain the benefit of the interest rate deductionpromotion.
By April 2019, because of the $142,524 Andrew deposited in Bank-2, using the money he stole from two charter schools, Andrew deposited a total of approximately $1,007,716 with Bank-2, and therefore became eligible to receive a 0.5% interest rate deduction – the largest deduction a customer could receive from Bank-2’s promotion. Without the $142,524 deposited stolen funds, Andrew would have been eligible for only a 0.375% interest rate deduction. On August 21, 2019, Andrew purchased a residential property located in New York, New York, for approximately $2,368,000. To effectuate that purchase, Andrew, and his spouse, obtained a mortgage from Bank-2 in the amount of $1,776,000 with an interest rate of 2.5% – taking full advantage of the promotion Bank-2 offered. On October 17, 2019, Andrew closed out Escrow Account-3 and received a check (“Check-3”) made payable to “ Endurance” in the amount of $75,481.10. On October 21, 2019, Andrew deposited Check-3 into an account that he opened at a third bank (“Fraud Account-2”). Approximately one month later, Andrew obtained a check from Bank-2 for $144,473.29, which constituted the funds stolen from Escrow Account-1 and Escrow Account-2, and Andrew ultimately deposited those funds into Fraud Account-2. Five days later, Andrew rolled the funds in Fraud Account-2 into a certificate of deposit. That certificate of deposit matured on May 20, 2020, which earned Andrew $2,083.52 in interest. Andrew then transferred the funds from the certificate of deposit – including the funds stolen from the Escrow Accounts – into a bank account held in the name of a particular civic organization that Andrew currently controls, thereby concealing the money’s association with School Network-1, and depositing the stolen money into an account under Andrew’s complete control. Audrey Strauss, the United States Attorney for the Southern District of New York, and William F. Sweeney Jr., Assistant Director-in-Charge of the New York Field Office of the Federal Bureau of Investigation (“FBI”), made the announcement today Manhattan U.S. Attorney Audrey Strauss said: “_As alleged, Seth Andrew abused his position as a founder of a charter school network to steal from the very same schools he helped create. Andrew is not only alleged to have stolen the schools’ money but also to have used the stolen funds to obtain a savings on a mortgage for a multimillion-dollar Manhattan apartment. Thanks to the FBI’s diligent work, Andrew now faces federal charges for his allegedscheme_.”
FBI Assistant Director William F. Sweeney Jr. said: “_Locking into the lowest interest rate when applying for a loan is certainly the objective of every home buyer, but when you don’t have the necessary funds to put down, and you steal the money from your former employer to make up the difference, saving money in interest is likely to be the least of your concerns. We allege today that Andrew did just that, and since the employer he stole from was a charter school organization, the money he took belonged to an institution serving school-aged children. Today Andrew himself is learning one of life’s most basic lessons – what doesn’t belong to you is not yours forthe taking_.”
Andrew is charged with one count of wire fraud, which carries a maximum sentence of 20 years in prison, one count of money laundering, which carries a maximum sentence of 20 years in prison, and one count of making a false statement to a bank, which carries a maximum sentence of 30 years in prison. The maximum potential sentences in this case are prescribed by Congress and are provided here for informational purposes only, as any sentencing of the defendant will be determined by the judge. Ms. Strauss praised the outstanding investigative work of the FBI. This case is being handled by the Office’s Complex Frauds and Cybercrime Unit. Assistant United States Attorney Ryan B. Finkel is in charge of the prosecution. The charges in the Complaint are merely allegations, and the defendant is presumed innocent unless and until proven guilty.As
the introductory phrase signifies, the entirety of the text of the Complaint, and the description of the Complaint set forth herein, constitute only allegations, and every fact described should be treated as an allegation.In Mortgage Fraud
Interest Rate Fraud
, New York
, Stolen Funds
MAN SENTENCED FOR DEFRAUDING BANKS IN SHOTGUN MORTGAGE FRAUD SCHEMEStephanie Abbott
— April 22,
2021 — Leave a comment JOSEPH A. GONZALEZ, 46, Henderson, Nevada was sentenced today for his role in a scheme to use bogus information and simultaneous loan applications at multiple banks – known as “shot-gunning” – to attempt to obtain home equity lines of credit (HELOCs). According to documents filed in the case and statements made in court: From 2010 through 2018, JORGE FLORES and SIMON CURANAJ, a real estate broker in the Bronx who has previously pleaded guilty and is awaiting sentencing, ran a mortgage fraud scheme in which they applied for more than $9 million in HELOCs from banks on residential properties in New Jersey and New York. Gonzalez and Flores used a property in JERSEY CITY, NEW JERSEY, as part of the scheme. Gonzalez had been allowed by the owner of the property to live there in exchange for management services, but neither he nor Flores owned the property. Gonzalez also recruited an individual with good credit to act as a straw buyer (Individual 1). Unbeknownst to the owner of the property, a “quitclaim” deed – which contains no warranties of title – was prepared transferring the property to Individual 1. The signatures on the deed were forged. Gonzalez and Flores then applied for two HELOCs from multiple banks using the Jersey City property as collateral in Individual 1’s name. They concealed the fact that the property offered as collateral was either already subject to senior liens that had not yet been recorded, or that the same property was offered as collateral for a line of credit from another lender. The applications also contained false information concerning Individual 1’s income, which was stated to be higher than his actual income. At the time the applications were made, the value of the property was less than the amount of the HELOC loans for which Gonzalez and Flores applied. The victim banks eventually issued loans to Individual 1 in excess of $500,000. After the victim banks funded the HELOCs and deposited money into Individual 1’s bank account, Individual 1 disbursed almost all of it to Gonzalez, Flores, and others. Gonzalez used $43,000 of the illicit proceeds to buy a luxury car. Individual 1 eventually defaulted on both HELOC loans. Gonzalez previously pleaded guilty before U.S. District Judge John Michael Vazquez to Count One of an indictment charging him with one count of conspiracy to commit bank fraud. Judge Vazquez imposed the sentence today by videoconference. Gonzalez is the sixth person to plead guilty as part of the scheme. In addition to the prison term, Judge Vazquez sentenced Gonzalez to three years of supervised release and ordered him to pay restitutionof $512,500.
Acting U.S. Attorney Rachael A. Honig made the announcement. Acting U.S. Attorney Honig credited special agents of the Federal Housing Finance Agency, Office of Inspector General, under the direction of Special Agent in Charge Robert Manchak; and special agents of the FBI, under the direction of Special Agent in Charge George M. Crouch Jr. in Newark, with the investigation leading to today’s sentencing. The government is represented by Jason S. Gould, Acting Chief of the Violent Crimes Unit, and Special Assistant U.S. Attorney Kevin DiGregory of the FHFA, Office of the Inspector General.In Mortgage Fraud
New
Jersey ,
shotgunning ,
Straw Buyer
MAN CHARGED WITH MORTGAGE FRAUDStephanie Abbott
— April 22,
2021 — Leave a comment NATHANAEL ZIMMERMAN, 40, Wyckoff, New Jersey, was arrested today on charges of engaging in mortgage fraud, fraudulently obtaining an SBA loan, and stealing another person’s identity According to the complaint: From August 2013 through January 2014, Zimmerman orchestrated a scheme to engage in mortgage fraud concerning FEDERAL HOUSING ADMINISTRATION (FHA)-insured loans. Zimmerman aided individuals in applying for FHA-insured loans and caused fraudulent representations to be made to the lenders, including submitting false bank statements. Zimmerman received a portion of the loan proceeds. Later, these unqualified individuals defaulted on their loans, causing losses to the U.S. Department of Housing and Urban Development of more than $300,000. In 2020 Zimmerman used his deceased brother’s identity to obtain a U.S. Small Business Administration (SBA) Economic Injury Disaster Loan (EIDL). Zimmerman received more than $150,000 by applying for EIDL funds in his brother’s name and using his brother’s personal identification information. The charges of wire fraud affecting a financial institution and bank fraud are each punishable by a maximum potential penalty of 30 years in prison and a fine of $1 million, or twice the gross profits or twice the gross loss suffered by the victims, whichever is greater. The charge of aggravated identity theft is punishable by a mandatory consecutive term of imprisonment of two years in prison and a fine of $250,000, twice the gross profits or twice the gross loss suffered by the victims, whichever is greater. Acting U.S. Attorney Rachael A. Honig made the announcement. Acting U.S. Attorney Honig credited special agents of the FBI, under the direction of Special Agent in Charge George M. Crouch Jr., in Newark, and special agents of the U.S. Department of Housing and Urban Development, Office of Inspector General, under the direction of Special Agent in Charge Christina Scaringi, with the investigation leading to today’s arrest. The government is represented by Assistant U.S. Attorneys Sammi Malek and Andrew Kogan of the U.S. Attorney’s Office Criminal Division inNewark.
The charges and allegations contained in the complaint are merely accusations and the defendant is considered innocent unless and untilproven guilty.
In Mortgage Fraud
false bank statements, New
Jersey ,
Unqualified Borrowers MOB ASSOCIATE SENTENCED FOR REAL ESTATE FRAUD SCHEMEStephanie Abbott
— April 13,
2021 — Leave a comment STEPHEN SHARKEY, 51, Swedesboro, New Jersey, was sentenced to four years and one month in prison, three years of supervised release, for stealing down payments for homes from two different families. In September 2020, the defendant pleaded guilty to two counts of conspiracy to commit wire fraud, eight counts of wire fraud, one count of aggravated identity theft and, one count of money laundering in connection with three brazen and predatory frauds which greatly harmed innocent victims and netted the defendant more than $385,000. Sharkey engaged in two mortgage-closing schemes to defraud potential home buyers – stealing money that the victims had intended to use to purchase residences for themselves and their families. In the third scheme, the defendant stole all of the proceeds of the sale of a house by secretly going to closing without telling the seller. Sharkey and his associate, ANTONIO AMBROSIO, convinced their victims to provide Sharkey with the down payment funds in advance of the dates set for the real estate closings, with the promise that Sharkey would provide full financing for the purchases. Rather than finance the deals, Sharkey and Ambrosio simply stole the down payment money supplied by the victims and made excuses when the deals did not close. As part of the scam, Sharkey and Ambrosio even defrauded Ambrosio’s own brother-in-law out of $208,000. After receiving this money, Sharkey immediately cut checks to ARMM INVESTMENTS, LLC, a company owned by GEORGE BORGESI. Borgesi and Sharkey were both convicted in _United States v. Merlino_, et al., 99 CR 363, an early 2000s RICO case in which the Philadelphia La Cosa Nostra was named as the enterprise. Borgesi was named as a capo of the Philadelphia LCN in that Indictment, and Sharkey was identified as a bookmaker for themob.
After Sharkey and Ambrosio stole the down payment from Ambrosio’s brother-in-law, they proceeded to lure a second victim to use Sharkey to finance his mortgage, and the victim wired Sharkey $100,000, which Sharkey promptly converted to his own use. The deal for this property fell through, but Sharkey and Ambrosio induced the victim to send the seller an extra $25,000 to hold the deal open, claiming Sharkey would get the deal done. The victim sent the seller the $25,000, but Sharkey had already disposed of the earlier $100,000 and the deal neverclosed.
Finally, in the real estate fraud perpetrated on the seller victim, Sharkey promised the victim that Sharkey would sell the house belonging to the estate of the victim’s deceased parents and, after going to a closing the victim knew nothing about, Sharkey deposited all of the proceeds of the sale into his own bank account, stealing over $52,000 from the victim in the process. Sharkey was ordered to pay $296,000 restitution and to forfeit the same amount of money. Acting United States Attorney Jennifer Arbittier Williams made theannouncement.
“_Sharkey’s greed impacted the lives and security of multiple families, and his shameful actions had severe consequences for these innocent people_,” said Acting U.S. Attorney Williams. “_Not only did he and his associate steal mortgage down payments, but he also sold a different family’s house right out from underneath them and pocketed all of the cash. For his actions, he will now spend years inprison._”
“_Real estate fraud was just the latest racket for Stephen Sharkey,_” said Michael J. Driscoll, Special Agent in Charge of the FBI’s Philadelphia Division. “_He blatantly preyed on innocent victims here, destroying two families’ plans of buying homes and stealing a third person’s inherited property. A chunk of these fraudulent proceeds was diverted to a longtime Philadelphia mob figure, underscoring Sharkey’s continued association with organized crime. The FBI and our partners are going to keep investigating and locking up those committed to making money through illicitmeans_.”
“_This investigation once again reveals how members and associates of the Philadelphia La Cosa Nostra Organized Crime Family are constantly looking to make illicit financial gains by infiltrating legitimate business or exploiting regulatory rules as well as federal and state laws,_” said Brandon Corby, Eastern Organized Crime Task Force Commander, Pennsylvania State Police. “_The Pennsylvania State Police with our FBI partners are committed to eradicating this type of criminal behavior and hold those engaged in such activitiesaccountable.”_
The case was investigated by the Federal Bureau of Investigation’s Organized Crime Task Force and the Pennsylvania State Police, and is being prosecuted by Assistant United States Attorney Michael TIn Mortgage Fraud
Down
Payment Fraud
, Escrow
Fraud , New
Jersey
MAN SENTENCED TO PRISON FOR SHORT-SALE SCHEMEStephanie Abbott
— April 8,
2021 — Leave a comment DAVID LITMAN, 41, the village of Foosland, Illinois, has been ordered to report to federal prison to begin serving a two-year sentence for conspiracy to commit bank fraud and bank fraud in connection with a real estate short-sale scheme. On Dec. 17, 2019, Litman pleaded guilty to conspiring with others, between 2008 and 2010, to defraud lending institutions in a series of short-sale transactions. Specifically, Litman caused false broker price opinions undervaluing residential properties to be submitted to financial institutions holding the mortgages of the properties, which he intended to purchase via a short sale. Litman submitted additional false documents to the financial institutions to induce them to approve requested short sales, including falsified listing agreements and proof-of-funds letters. The financial institutions, relying on the false broker price opinions, false real estate commission expenses, false listing agreements, and other false documentation, approved short sales of properties to Litman for payments that were less than they otherwise would have been likely to receive. In addition, Litman caused the recording of false expenses, including false real estate commissions, on HUD-1 settlement statements documenting the short sales into which he entered. Litman also attempted to conceal certain of these false real estate commission expenses through the late issuance of commission checks. Following the March 10, 2021, sentencing, U.S. District Judge James E. Shadid further ordered Litman to pay $279,900 in restitution and to serve two years on supervised release upon completion of his prisonterm.
“_The defendant’s repeated acts of fraud over several years caused lending institutions to lose a significant amount of money,_” stated Acting U.S. Attorney Doug Quivey. “_The defendant’s participation in the scheme thwarted the lenders’ ability to accurately value the homes involved and prevented them from recouping a greater portion of their losses on the homeowners’ mortgages. Fraud in any part of the mortgage industry ultimately costs both lenders and borrowers and can’t be tolerated_.” Assistant U.S. Attorneys Katherine V. Boyle and Eugene L. Miller represented the government in the prosecution. The charges were investigated by the Department of Housing and Urban Development’s Office of the Inspector General and the Federal Bureau ofInvestigation.
In Mortgage Fraud
Falsified HUD1
, Illinois
, Short Sale Fraud
FORMER LAWYER INDICTED FOR ALLEGEDLY STEALING FROM CLIENT IN REALESTATE DEAL
Stephanie Abbott
— April 8,
2021 — Leave a comment GERALD DOUGLAS, 52, East Flatbush, Brooklyn, New York was arraigned today on an indictment in which he is charged with second-degree grand larceny for allegedly stealing the down payment toward the purchase of a BROWNSVILLE, NEW YORK home whose seller he represented. According to the investigation, the defendant represented a 76-year-old woman in the sale of her Brownsville house, negotiating the contract for her in September 2018. A down payment of $71,700 was allegedly deposited into the defendant’s escrow account. The closing occurred in August 2019, by which time the defendant had allegedly stopped returning his client’s phone calls and she was forced to retain new counsel to close the transaction. The client received the sale proceeds at the closing, but not the down payment despite repeated requests to the defendant. It is further alleged that in June and July 2018, the defendant asked the same client if she would loan him money, first $6,000 and then $8,000. He allegedly told her he was expecting a rental payment for a property he owned in Flatbush, Brooklyn, though in fact the property had gone into foreclosure five years earlier and he was no longer theowner.
Douglas was released without bail and ordered to return to court onMay 12, 2021.
The defendant was disbarred by the Appellate Division SecondDepartment in 2019.
Brooklyn District Attorney Eric Gonzalez made the announcement. District Attorney Gonzalez said “_The victim in this case was allegedly defrauded of a large sum of money by her own attorney, who had a legal duty to protect her interests. I would like to thank my Public Integrity Bureau for its hard work in seeking to hold the defendant accountable for his alleged criminal act and betrayal oftrust_.”
The case is being prosecuted by Senior Assistant District Attorney Adam Libove of the District Attorney’s Public Integrity Bureau, under the supervision of Assistant District Attorney Laura Neubauer, Bureau Chief, and Assistant District Attorney Michel Spanakos, Deputy Chief of the District Attorney’s Investigations Division, and the overall supervision of Assistant District Attorney Patricia McNeill, Chief of the Investigations Division. An indictment is an accusatory instrument and not proof of a defendant’s guilt.In Mortgage Fraud
Down
Payment Fraud
, escrow
theft , New York
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@copy 2004-2015 Rachel Dollar LEGAL DISCLAIMER. The information and notices contained on Mortgage Fraud Blog are intended to summarize recent developments in mortgage fraud cases and mortgage banking matters nationwide. The posts on this site are presented as general research and information and are expressly not intended, and should not be regarded, as legal advice. Much of the information on this site concerns allegations made in civil lawsuits and in criminal indictments. All persons are presumed innocent until convicted of a crime. Readers who have particular questions about mortgage banking, mortgage fraud matters or who believe they require legal counsel should seek the advice of an attorney. The creators, editors and sponsors of Mortgage Fraud Blog do not intend to create a confidential relationship or an attorney-client relationship by communication via or arising from this site.Details
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