http://blog.oregonlive.com/frontporch/2 ... fraud.htmlHere is the link....it is part of a 5 story article so you have to scroll down until you see LOAN PROCESSOR SAYS BEING HONEST GOT HER FIRED and that's me.
In the end the amount of fraud profits to this team is over the amount to 10 years of bank robberies in the entire NW. We have a lot of bank robbers out here too.
FYI that 50 million in loans per month - 48 million were from my team. Only 1 percent of the loans I did, viewed or later viewed with FBI to catch all fraud were legal loans. The remainder either false houses (meaning they didn't exist so 400,000 loan went in their pocket), stolen identities, straw borrowers (only using their credit for the loan and receive 2000 grand for that), and INFLATED values on homes. They had an appraiser that was crooked too. So if a home really was worth $200000 it in just my 5 months working there doubled! So now you can understand why are housing market crashed and some of you lost ALL your equity and possibly went negative when it adjusted from No sales, foreclosures and borrowers fleeing (ooops I mean they never lived in the home so it sits empty with a bank holding the loan)
ANYWAY what the heck is my point???
These guys until me thought they were never going to get caught. And they may not have without me coming in. I gave ALL info to IRS and FBI and EACH indictment came from my info and they were charged on the loans, names, borrowers and straw borrower info I gave them along with how they did this as in a team of borrowers, a pain appraiser, a builder who dummied up his cost of construction to make values work and even an escrow officer who handed them cash back at closing in the amounts of up to $100000. And even lenders employees who helped them send the loans to the right Underwriter because they were having an affair and her oath came after sex.
They had it so down all the way to compliance, loans all signed by borrowers (an expert of sorts) down to friends with the schools we all attended for our yearly required classes to maintain our licenses and it was 80 % fraud training and how to NOT do it and WHY and YES the owner was a Morman and involved in community screaming everywhere what a good Christian family man he was!!!! This firm was huge, respected and many people wanted to work there and lenders begged for our loans as we were considered the golden child of how to do it right. HAHAHA
These are things undetectable unless someone says something based on the way the Govt. released loan programs to help economy after 911.
I knew these guys were drug dealers, involved with gangs, had pressured me and trapped me into running around on drug deals one night after a business meeting (trying to make it look as if I was part of them) even having me set up their S Corps and C Corps for them as the registered agents. I was stalked and while at work the C word used many times to me and also other parties waiting for fraud monies allowed to call me and scream horrible things at me.
I still went through with it. Working many hours with IRS to train their members on how a loan works (who touches it, who orders what, who checks what and the whys)
I kept forcing the IRS and FBI to keep going. In the end they are now getting more guys and more recovered funds. And still going.
I know everyone is afraid of NTM and trust me I am too BUT when it is wrong it is wrong no matter how they have it set up or how they word it. I don't care about board members and I don't care about leaders and I don't care about what they say. IT is wrong and I want help and I need help and I deserve help and justice. I don't care if my parents get upset for me going and going on this. I don't care if my family disowns me.
It isn't right. They wronged people. They fooled people. They fooled Churches and I don't care if those Churches don't support me. I have one that does and that's all I need. Besides Churches aren't God. Missionaries aren't God. NTM isn't God. GOD is GOD. And he says this is wrong!!!!
So I will push and push and push as I did above. Because it is the right thing to do. In Mortgage I thought of many victims and many more to come if I didn't say something. Nothing and I mean NOTHING trumps that. So I talked and I risked and I fought for what was right. The settlement was not much. Just enough to make sure I could keep my career and compensate for my loss of income. That is all I wanted from them. The IRS of course promises rewards to the public on paper and not in private as that battle for me is 3 years old. I have contacted everyone up to Pres. and now this week a reporter to expose Oregon, the IRS and FBI for not following through even to protection promised and notice promised as my right as a victim. So they can call NTM and cry over being exposed. In the mean time I have some work to do