Here is a blatant example of why Mortgage Fraud is a Billion Dollar Industry. We are in Fear of our safety due to the fact that what we are reporting is HUGE. Docs available to any Government investigative or enforcement agenc. Or an Attorney who wishes to face GOLIATH with us.
This report already has been received by the following:
1- Senator Debra Bowen D - Redondo Beach, 28th Senate District of California
2- Senator Hillary Clinton - New York
3- IRS-CID, FBI, FINCEN, HUD, OFHEO, HUD-OIG, DOJ, DRE, CA. DEPT OF CORP, CAMB, MBA, LA COUNTY OMBUDSMAN, VARIOUS NEWSPAPER AND MEDIA.
"I know that the LORD secures justice for the poor and upholds the cause of the needy." Psalm 140:12
Report of Examination
File Number: E06-07-001 Date of Report: 07-31-06
Requested by: Edith Winn Narrator: Robert Tapia
Matters Examined: FRAUD by COLLABORATION
Victim: Winn, Edith, 10055 East Avenue R, Littlerock, Ca. 93543,661-944-4239
Subject Property: 10055 East Avenue R, Littlerock, Ca. 93543
Subjects: John L. Gregg - owner/ceo/developer/the club for growth member/
Gregg's Artistic Homes, 2946 Oakmont View Drive, Glendale, Ca. 91208 818-279
Benvani Inc. P.O. Box 158, Verdugo City, Ca. 91406-0158 818-279 fax 714-731-2021
RG Lending, P.O. Box 158, Verdugo City, Ca. 91406-0158 818-279
Pacific Shores Realty and Mortgage Co. 11022 Santa Monica Blvd.# 450, Los Angeles, Ca. 90025,310-748-5014
Pacific Shores Escrow Co. 11022 Santa Monica Blvd.#450, Los Angeles, Ca. 90025
Ca. 90025,310-748-5014
Unified Mortgage Service, 591 Camino de La Reina Suite# 910, San Diego, Ca. 92108 1-800-870-6225
Lenders Document Systems, Inc., 653 South B Street #200, Tustin, Ca. 92780 800-745-3627 fax 714-731-2021
Dr. Neal Horn M.D./Mtg, 310-472-2344 fax 619-497-1760
Living Water Lending, 11450 Knott St. Garden Grove, Ca. 92841 800-460-6808
Joshua Real Estate Appraisals, P.O. Box 189, Pearblossom, Ca. 93553 661-944-2146
Quality Home Loans, 26500 W. Agoura Rd. Suite 102-135, Calabasas, Ca. 91302
877-436-4QHL
Commonwealth Land Title Company, 655 N. Central Avenue # 2200, Glendale, Ca. 91203 818-552-7000
LandAmerica / Southland Title, 7530 N. Glenoaks Blvd., Burbank, Ca. 91504 800-747-7777
T.D. Servicing - Title Company
Other Person (s) Related:
Anthony Thomas - RG Lending, P.O. Box 158, Verdugo City, Ca. 91406-0158 818-279
Austin Jourden - Pacific Shores Realty and Mortgage Company, 11022 Santa Monica, Blvd. #450, Los Angeles, Ca. 90025.310-748-5014
Agnes Jourden - Pacific Shores Escrow, 11022 Santa Monica, Blvd. #450, Los Angeles, Ca. 90025.310-748-5014
Engleman, Robert - Chief Counsel MBA, Quality Home Loans, 27001 Agoura Road Suite 325, Agoura, Ca. 91301 877-436-4QHL
Ruben Rosas - Commonwealth Land Title Company, 655 N. Central Avenue#2200, Glendale, Ca. 91203
Murphy, Chris - Living Water Lending, 11450 Knott St. Garden Grove, Ca. 92841
Gutierrez, Carlos - Notary
Skyline Funding DBA - 15928 Ventura Blvd. Suite 110, Encino, Ca. 91436-4401
Garibay, Lidia - 1525 East Avenue R-1, Palmdale, Ca. 93550
Gonzalez, Marco - 1525 East Avenue R-1, Palmdale, Ca. 93550
Ragland, Robert (deceased)- Common Law of Edith Winn, 10055 East Avenue R, Littlerock, Ca. 93543
Synopsis
Subject property: 10055 E AVENUE R, LITTLEROCK CA 93543-4100
7/2- Winn, Edith came in contact with our office. Signed our Waiver and Furnished whatever Loan documents and other pertinent paperwork she had. She made it clear that she wanted this matter put out in the open for all to see and be weary of. Public wellbeing was her greatest concern, although she was in fear for her family's safety and of mine from this undertaking.
It remains our duty here in Avenue S to do the best we can to look into material documentation and report immediately to your office. Here is a summary of our report:
This Mortgage Relationship between Ms. Winn and pack of Industry Insiders began right from the very moment when Ragland, Robert - Ms. Edith Winn's Common Law entered into a Mortgage Agreement back in 2002 where redlining, Title Red Flags and suspicious transactions abound. Coincidentally DBA Skyline Funding was the Loan Company holding the note, the same Loan Company that John Gregg owner of Gregg's Artistic Homes have for his very own home at the present time in Glendale, 2946 Oakmont View Drive, Ca. 91208
From an initial Loan amount of $110,000 the property has been systematically flipped several times and individuals easily misleading Ms. Edith Winn into contract by means of railroading, misinformation, misguidance and expert collaboration bringing the Present Loan amount to $192,000 with a balloon payment of $193,880.incorporating monthly payments that start @11.5% then Cap out @21.750%. And a term of 23 years and 4 months.
Aprwinn-version 6.0.0 verification shows apr overstated by: 7.6264%
exhibit 1
BENVANI, INC. The Lender chosen by Pacific Shores Realty & Mortgage, Inc. The settling agent, on the 29th of June. HUD 1 shows the following disbursements were made to:
2006 Supplemental Property Taxes - $3,495.40
2 Note Holders
Unified Mortgage Service, Inc.- $170,696.05
Dr. Neil Horn M.D.-$170,568.53 on Amendment To Escrow Instructions (dated 6/21)
EXHIBIT 2
2 Mortgage Brokers
Living Water Lending - $3,648.00
-$1,325.10
Pacific Shores
Realty & Mortgage, Inc.- $5,760
-$2,536.77
Escrow
Pacific Shores Realty & Mortgage, Inc.- $ 534.00
Underwriter
Pacific Shores Realty & Mortgage, Inc. - $355.00
Mortgage Insurance
Pacific Shores Realty & Mortgage, Inc.- $100.00
Benefits Source - $746.00
Title Insurance
Pacific Shores Realty & Mortgage, Inc.- $580.00
LANDAMERICA -$ 85.00
R G Financing for Inspection, Tax service, Document Preparation and Wire Fees -$900.00
Total Settling Fees - $15,271.78 * this is not including any YSP and/or hidden fees/interest points. EXHIBIT 3
NO IRS FORM 4506T NOTED. Mandatory arbitration form included.
ms. Edith Winn furnished all her income documentation to her Loan servicer of whom she relied solely on his integrity, expertice and fo being a physician. And from that this is what she has been subjected to. On partial disability and retirement income of ($2,400/mo) a no cash out Refinancing was executed with no regard to her ability to repay back the Loan, no remorse or sign of human compassion.
Debt to income ratios from 107% @ 11.50% start rate then up to TO 170% @ 21.250% CAP as their underwritting standard. Happening right here in Los Angeles County, Ca. As we speak.
2 year prepay for a loan with a 1 year rate lock using the highest prime rate.
Modern day K K K!!!
Loan Amount:
$192,000 I/O ARM (interest only adjustable rate mortgage) EXHIBIT 4
$193,880 Balloon Payment
280 Months (23 year 4 month financing)
11.5% Initial Rate
21.750% Cap
HIGHEST PRIME RATE 3.750 MARGIN 1 Year Rate Lock
DEED OF TRUST WITH ASSIGNMENT OF RENTS instead of a regular DEED OF TRUST was integrated into the Loan Documents. Naming Gregg's Artistic Homes as the Trustee and Benvani, Inc. As the Lender.
Document# 06-1427201
Commonwealth Land Title Co. 6/28
Notary: Carlos R. Guttierez Comm#1639159 Exp. 1/17 EXHIBIT 5
Mailing address: Benvani, Inc. P.O. Box 158, Verdugo, Ca. 91406-0158
5/22- RECONVEYANCE EXECUTED.
Info from: Jennifer Today, Quality home Loans Supervisor, 27001 Agoura Road
Suite# 325, Agoura, Ca. 91301
Title Co.- T.D. Servicing
Document# 61118372
New Lender: Benvani, Inc.
5/03 @ 08:00 am - recorded/filed in official records
recorder's office, los angeles county, ca.
Document# 06-0971269
Lender: Quality Home Loans, 27001 Agoura Road, Suite# 325, Agoura, Ca. 91301 and/or
26500 Agoura Road, Calabasas, Ca. 91302
Note: $ 165,000
Loan# 065199
Security Instrument dated: 04/24
Title Co - Stewart Title of Ca.inc. EXHIBIT 6
8/17- Pacific Shores Realty & Mortgage Inc. Recorded a Deed of Trust Assignment of Rents and places an amount of $2,536 represented by unpaid taxes.
No Verified Connection between Dr. Neil Horn, M.D. And Pacific Shores Realty.
Document# 05-1976115
Loan Type: Unknown EXHIBIT 7
7/25- Winn, Edith enters into Mortgage Agreement with Dr. Neil Horn M.D. On title is Pacific Shores.
Document# 05-1748235
New Loan Amount: $140,000
Fees: $30,000 had to be paid for? Costs? No cash to borrower.
Initial Loan Amount was $110,000
No Documentation provided at this time by Ms. Edith Winn EXHIBIT 8
4/12- Common Law of Ragland, Robert - Winn, Edith and Molina, Belinda (niece) gains title to property from probate.
Trustee: DBA Skyline Funding
9/23- Ragland, Robert - passes away. Property goes into probate.
08/07- Ragland, Robert files for Chapter 7 Bankruptcy only MOTION FOR STAY was for a Mitsubishi Montero, NONE FOLLOWS.
1/14- Ragland, Robert - Common Law of Ms. Edith Winn enters into a Mortgage Agreement and a Title Recorded at The County Recorder's Office.
Price: $110,000
Lender: DBA Skyline Funding.
Seller: Lidia Garibay.
Property Address: 10055 East Avenue R, Littlerock, Ca. 93543
Document# 02-0093204
Document Dated: 10/17.
1/14- Interspousal Grant Deed between Gonzalez, Marco and Garibay, Lidia was Recorded at The County Recorder's Office.
Document #02-0093203
Document Dated: 11/01
Mailing address: 1525 East Avenue R1, Palmdale, Ca. 93550- not her residence.
11/1- a transfer between spouses (Gonzalez, Marco and Garibay, Lidia) was Documented by Southland Title Company but not Recorded to The County Recorder's Office.
10/17- a sale was Documented by Southland Title Company between Lidia Garibay and Robert Ragland but not Recorded to The County Recorder's Office. Lydia Garibay has not transferred her name on this title at this time, she does the transfer in 11/1.
Ms. Edith Winn mentioned that when they were shopping for the property Ragland, Robert was not with them neither was he known until the sale was done. Mr. Ragland has never met Ms. Garibay at all. A Title documented earlier for a Sale that did not occur 3 months later (1/14).
No recorded transaction between cervantes, luis and gonzalez, marco.
6/01- Cervantes, Luis purchases property from HUD.
Document# 00-0841319, Price: $76,000, Lender: Bank of America
At present Ms. Edith Winn and family are just waiting for the inevitable - EVICTION - out of her own home.
Monthly Amortization is way beyond her budget. Nothing has happened right for her this year. Till now...
Accounts were taken from the following:
1- Mortgage Loan Documentation
2- Title Reports
3- Grant Deeds
4- Receipts
5- Bankruptcy paperwork
6- Internet Research
7- Statements made by Ms. Edith Winn (oral and written)
Requests can be obtained from:
Ms. Edith Winn
10055 East Avenue R
Littlerock, Ca. 93543
661-944-4239
Attached is Ms. Edith Winn's Statement.
Signed on this day, the 29th of September
Roberto A. Tapia
Narrator for Avenue S
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