Oakstar bank and their appraiser, falsified loan/appraisal documents/contract to inflate the value of a home in missouri that was suppose to have been at least a two bedroom, built in 1954..in reality, proven and documented, the home is a one bedroom and built in the late 1800's. The appraiser (kym craft) appraised the home as a 3 bedroom and built in the 1950's. Even though we bought this home "sight unseen" through great commission realty/gilbert "bud" jones out of battlefield, missouri we trusted these no good, rotten, lieing, thieves. Yellow bellied cowards to look out for our best interest. First and foremost by being 100% honest about the home. Starting with our so-called realtor "gilbert "bud" jones".. He as the others knew this home was only a one bedroom and much older then buillt in 1954, not to mention knew the floors were severely damaged/warped, and intentionally failed to tell us. Then when my husband and i were able to view the inside of the home for the first time last november, is when we discovered we had become victims of "mortgage fraud".. Bud jones knew we was going to be back in missouri and when. He knew we wanted to meet up with him at the home..instead when my husband called him, bud jones lied out of his ass as always, claiming "he couldn't come over to the house because he was on his way to california".. That was absolutely not true.."he knew he was busted and didn't have the balls to face us!"... My husband and i were in the home for about an hour.."both of us extremely upset because we had been scammed!".. We never got to live in the home, because it wasn't the home we got the loan for and what bud jones led us into believing we bought. The day escrow closed with oakstar bank, they sold our contract to taylor, bean & whitaker out of ocala, florida. The information below will explain more of the truth of "mortgage fraud" my husband (don) and myself (wanda) were subjected to by these "lowlife cowards!"..
"be aware of mortgage fraud!".. My husband and i fell victims through great commission realty a.K.A. Gilbert "bud" jones. Through also oakstar bank mortgage;
their appraiser, mary kym craft out of the area of springfield/aurora missouri and also taylor, bean & whitaker mortgage out of ocala florida. We were led to believe that we were purchasing a home that was at least a two bedroom, built in 1954 and with good floors. The original appraiser (kym craft) appraised the parlor and main entrance/sunroom as second and third bedrooms. Bud jones claimed the home was at least a two bedroom, built in 1954 with good floors when in reality, proven and documented, the home is a one bedroom, built in the late 1800's and severely damaged floors. Even though we purchased this home in aurora "sight unseen" we did have what we believed were honest and professional people working for us. Looking out for our best interest..in reality they were looking out for their own best interest.."the almighty dollar".. My husband and i learned a hard and expensive lesson. If people/companies that are suppose to be professional and honest can deceive/fraud their own clients; then it isn't beyond any professional or non to do so to anyone. We never got to live in the home, because it wasn't the home we were led into believing we had purchased. Not only that the home is "unliveable".."so again be aware if mortgage fraud can happen to us, "and did" it can happen to anyone!".. Taylor, bean & whitaker mortgage out of ocala, florida bought the "sell contract" from oakstar bank, the same day escrow closed and "foreclosed" on 10-6-08 at 11:00 A.M. Even though their own "fraud manager" craig weitzel thought he would get away by hiring a bogus appraiser (cynthia speckman) and neither would get caught, "they did".. So that plan of theirs went out the door and mr weitzel contacted my husband a second time and said he was sending out another appraiser. This second and honest (samatha balsamo) did a complete, inside and out "honest appraisal".. The home came back to what my husband and i had stated all along. Mr. Weitzel and his first appraiser (cynthia speckman) got caught for falsifing her appraisal report. She copied off oakstar banks appraiser (kym craft) that appraised the home as a three bedroom and built in the 1950's.."it is a one bedroom, built in the late 1800's. Severely damaged floors and unliveable!".. This second (samatha balsamo) and honest appraiser appraised the home at $8,000's less then the original, only because she could only comp from two and three bedrooms in the area since there were no other one bedrooms to comp. She even said the value could even be lower, but because the electricity wasn't turned on, she wasn't able to check any electrical units. She also stated that if a "room doesn't have a closet, it "isn't a bedroom!".. Mr. Weitzel stated that if the home came back as a one bedroom, built in the late 1800's, etc., that he would get together with oakstar bank and rectify the matter. Mr. Weitzel stated to both my husband and myself that "oakstar bank frauded them (taylor, bean & whitaker) because they (tbw) bought the sell contract from oakstar bank".."well the home came back as stated".. Mr weitzel asked my husband what he felt our "damages should be".. My husband replied and stated he wanted the sell reversed like it never happened and our money back. Mr. Weitzel backed out on his word to rectify this matter, while oakstar bank's (julie barker/executive vice president) tried to justify their appraisers actions for counting a parlor and enclosed porch as second and third bedrooms. Miss barker stated in one of her e-mails that and i quote; "i am working on the situation for you" and yet during a phone conversation with her, miss barker was just trying to justify that their appraiser (kym craft) "made a mistake".."doe's that sound like working on the situation for us or another hiding behind the truth?".."that so called mistake inflated the value of the home.."much more" then it was worth and sold to us!".. Guess bud jones made a mistake when he intentionally failed to tell us that it was only a one bedroom; not two as he had listed, and stated another room could be used as a third bedroom. Guess bud jones made a mistake when he intentionally failed to tell us that his and miss craft's idea of second and third bedrooms were a "parlor and enclosed porch/sunroom".. Guess he made a mistake when he also said the floors were good and the home was built in 1954.. Guess he made a mistake when he also said the "home was a great buy and he would move his family into it".. Guess tbw/craig weitzel made a mistake when he said if the home came back as a one bedroom, etc., he/they (tbw) would rectify the matter. Mr. Weitzel/tbw didn't keep their word. To count a parlor and enclosed/sunroom as "bedrooms" isn't a mistake. To fail to mention how severely warped/damaged the floors were/are isn't a mistake. To fail to mention that the home was much older then built in 1954 isn't a mistake. The home was "remodeled" in 1954.. These irresponsible actions against us, "definately weren't mistakes!!!".."they were intentional lies and fraud against us!".. To count a parlor and enclosed/sunroom as "bedrooms" isn't a mistake. To not state that the home was much older then 50 years, when in reality is 100 years isn't a mistake. To be asked about the floors/foundaton, and bud jones stated the floors were good, when in reality, they werent wasn't a mistake. We didn't expect the home to be 100% perfect, but we did expect and deserved 100% honesty about the home, starting with great commission realty/bud jones. But then bud jones knew complete honesty about the home would have costed a sell..."these so called mistakes costed us not only financially, but mental and physical disabilities as well".."of all the professional, decent, sincere realtors, lenders and appraisers out there we could have dealt with, we ended up with people that deceit/fraud and the almighty dollar supercedes the truth, honesty, dignity and intregity!" "these people should be ashamed of themselves for what they did to us;they should be prosecuted to the fullest extent of the law. What they put us through for over a year now.."nothing but lies, lies and more lies. Pacifing, justifing, passing the buck around. Broken promises. All because they have no priorities. No morals, values, principals, dignity, etc!".."they didn't expect to get caught, and if they did we would either do nothing or go away. Well we have done anything and everything possible to hold those responsible for this "mortgage fraud" and will continue.."we aren't going anywheres!".. If we can keep this "mortgage fraud" that happened to us, to not happen to another, then it will be all worth the "hell and expense these con artists" put us through, because "people supercede" the "almighty dollar" anyday!!!".. There are two sayings that will come back and haunt these "fraudulent" people.."life isn't like a box of chocolates. More like a jar of jalapenos. What you do today, could burn your ass tomorrow"... Also.."what goes around, comes back around".."most definately will in time!!!"..: o) P.S. My husband and i would like to thank everyone that has corresponded to us about our experience with "mortgage fraud".. We appreciate your overwhelming e-mails; kindness and support for us. I will continue to reply to them all and save for future references. As one e-mail said "thanks for the heads-up".. As another said, "you are definately a person that thinks of others, even when this outrageous criminal act happened to you".. Another e-mail just received stated; "you have alot of spunk and determination. The word of truth is definately passing around. Thanks alot!".. Another said, "your a gutsy person. Don't buckle for no one, especially "crooks" that done you and your husband major".."a great e-mail received today none other then by a "realtor" stating "hoped we get justice!"..: o) ya'll are very much welcomed!!!" don & wanda reed.."it is sickening that these "people" (and i use the term lightly) are so greedy and dishonest; know the truth and yet can live with themselves.."my god!!!".."pathetic, absolutely pathetic, but then they all knew/know if one goes down, they all go down".."they won't even step up to the plate and admit they got caught and should face the consequences of their irresponsible actions/mortgage fraud against us".. Update: my husband and i were just informed via e-mail by a client of a law firm in florida that is handling a "tort lawsuit" against taylor, bean & whitaker. This client claims there are 39 other clients involved in this case and "we" were asked if "we" wanted to be part of the suit.: o) "also again want to thank the public for your heartwarming, supportive responses to this unexcuseable, devastating and monstrous experience my husband and i we're subjected to and have had to endured"..: o)
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