Professional Documents
Culture Documents
Teil 13 Foreclosure Fraud
Teil 13 Foreclosure Fraud
Teil 13 Foreclosure Fraud
Only two (2) examples in Wake County were found with the HOA sale price.
NOTE: Both women are listed in 2017 as the owner-of-record for the property.
LINDA M. NUNALLY
$7,500
HOA DEED
three (3) years after the
HOA foreclosure
MADELINE BURDON
$3,000
HOA DEED
two (2) months after the
HOA foreclosure
Foreclosure documents for Ms. Nunally and Ms. Burdon are found on the following pages.
Full documentation for Error: Reference source not found begins on page Error: Reference source not
found
Page 2
T IMELINE
HOA DEED
three years after HOA foreclosure
Note the HUD assignment was exactly five (5) years from the Deed of Trust.
Owner of record:
LINDA NUNALLY
Page 3
The full diagram, details and documentation begins on page Error: Reference source not found
HOA FORECLOSURE
LINDA NUNALLY
5-23-2011
Property Management:
H.R.W. Inc. / Associa
$2,913
Page 4
Cross-reference:
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ASSIGNMENT TO HUD
LINDA NUNALLY
Page 5
FILED
9-18-2013
No instrument #
Deed of Trust
6-27-2008
Assignment
6-4-2013
Bank of America
Christy Cafferty
Los Angeles, CA
Page 6
HOA DEED
7-22-2014
Attorney
Jeffrey J. Goebel
$7,000
Page 7
M ADELINE B URDON
HOA Foreclosure
10-16-2007
Commissioner
Hope Derby Carmichael
Property Management:
RS Fincher & Company
CLAIM OF LIEN
8-16-2006
HOA FORECLOSURE
10-16-2007 $2,634
$2,634
HOA DEED
back to Ms. Burdon
12-19-2007
$3,500
Page 8
Cross-reference:
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HOA DEED
MADELINE BURDON
Page 9
12-19-2007
Attorney
Jeffrey J. Goebel
President
Edgehill Farms Homeowners
Association, Inc.
Page
10
DOVER VILLAS
Property Management:
ASSOCIATION MANAGEMENT GROUP
Page
11
ATTEMPTED BUSINESS REGISTRATION
for an identical
Business Corporation
Cross-reference:
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Page
12
M ARLITA R ANDOLPH
Property Management:
ASSOCIATION MANAGEMENT GROUP
Page
13
T IMELINE
Page
14
DATES
With no recorded auction date, there was 2.5 years between the Claim of Lien filing and the
Commissioners Deed filing. There is no record of when the HOA actually took possession, but a year
between the report date and the filing of the Commissioner Deed.
Page
15
ROD SUMMARY
OMITTED
COMMISSIONERS
DEED
12-20-2006
B: 6654 P: 691
&
Bankruptcy Notice
1-2-2008
B: 6833 P: 2220
(see on following pages)
Substitute Trustee
HUD Assignment
NOTICE
Substitute Trustee
Deed
NOTICE
HOA DEED
NO ASSIGNMENT TO:
3-26-2007
Record First
Stacy L. Kirkendall
AVP for MERS, Inc.
Page
17
A-I-F ASSIGNMENT
ROD stamp
2005
Note:
The addresses of
HUD
and
SFJV 2004-1, LLC
are the same.
Record Second
Peggy A. Russo
Authorized Agent
April 5, 2005
Two (2) years before ROD filing
Page
18
HOA FORECLOSURE
OMITTED
from
ROD Summary
12-28-2006
$3,067
Report date
12-14-2005
Filed
12-28-2006
Page
20
SUBSTITUTE TRUSTEE
Appointment filed:
9-6-2007
No assignment
Page
21
BANKRUPTCY NOTICE
OMITTED
from
ROD Summary
HOA DEED 1-2-2008
Two (2) months later
Notice of Foreclosure
9-11-2007
Page
22
HOA DEED
The return to address for the owner is the foreclosed property months or year earlier.
HOA DEED
signed by HOA President
Notary:
RBS foreclosure attorney
Ashley S. Collier Page
23
SUBSTITUTE TRUSTEE DEED
Page
24
11-21-2008
$86,615
Page
25
PROPERTY TAX PUBLIC RECORDS
Page
26
R ODNEY R ATLIFF
Property Management:
ASSOCIATION MANAGEMENT GROUP
Page
27
TIMELINE
Page
28
ROD S UMMARY
Page
29
Purchase Price
$96,000
Deed of Trust
K. Hovnanian
Mortgage
$95,100
Substitute Trustee
HOA Foreclosure #1
Notice
HOA Foreclosure #2
Notice
Loan Assignment
Substitute Trustee
Substitute Trustee
DEED
Notice
HOA DEED #1
HOA DEED #2
Linda Ratliff
(deceased)
foreclosure
Page
30
DEED OF TRUST
Page
31
3-30-2004
$95,100
Page
32
APPOINTMENT OF SUBSTITUTE TRUSTEE
2-9-2007
No Loan Assignment
To
Chase Home Finance, LLC
2012 assignment:
K. Hovnanian
to
JP Morgan Chase Bank
Page
33
HOA FORECLOSURE #1
7-29-2009
No Claim of Lien
date or number
$2,154
Report Date
3-12-2009
Page
34
HOA DEED #1
9-9-2009
Page
35
HOA FORECLOSURE #2
12-21-2010
$2,033
Report Date
9-23-2010
Page
36
HOA DEED #2
9-28-2011
Page
37
2012 ASSIGNMENT
8-7-2012
Page
38
SUBSTITUTE TRUSTEE
9-27-2012
Page
39
SUBSTITUTE TRUSTEE DEED
Page 1 of 2
5-15-2013
Page
40
Page 2 of 2
Page
41
$43,200
Page
42
TAX RECORDS
Ratliff is listed
paying property
taxes during
the two (2)
HOA
foreclosures
Page
43
GUILFORD COUNTY GIS R ECORDS
OMITTED
&
TWO (2)
HOA DEEDS
FIROZALI S. MALIK
B:7558 P: 2966
SUBSTITUTE TRUSTEE
DEED
RODNEY RATLIFF
2004 PURCHASE
Page
44
ZILLOW .COM
RODNEY RATLIFF
2004 PURCHASE
Page
45
E BONY R AMSEY
Property Management:
SLATTER MANAGEMENT SERVICES
Page
46
Page
47
TIMELINE
Page
48
ROD S UMMARY
Deed of Trust
K. Hovnanian
$113,300
NO ASSIGNMENT
to CitiMortgage
HOA Foreclosure
Notice
Substitute Trustee
Substitute Trustee
Deed
Notice
Notice
HOA DEED
Page
49
DEED OF TRUST
11-28-2005
$113,300
Page
50
HOA FORECLOSURE
Report Date
2-23-2007
HOA Foreclosure
filed
12-19-2007
HOA DEED
filed
6-25-2008
Report Date
2-23-2007 $2,369
Page
51
SUBSTITUTE TRUSTEE
Substitute Trustee
HUTCHENS
&
Trustee for Merrie Foster
see below
3-10-2008
No Assignment to
No Assignment CitiMortgage
Page
52
HOA DEED
6-25-2008
Page
53
SUBSTITUTE TRUSTEE DEED
6-15-2011
Assigned to HUD
$148,962
Deed of Trust
$113,300
Page
54
GUILFORD COUNTY GIS
OMITTED
FROM COUNTY GIS Screenshot 10-15-2015
HOA foreclosure
$2,369
B: 6828 P: 1845
HOA DEED
$0
B: 6907 P: 2060
Screenshot 11-27-2016
Sale History
and all sales figures
were removed in
late 2016
Page
55
ZILLOW RECORDS
SUBSTITUTE
TRUSTEE
FORECLOSURE
Assigned to HUD
No record of
HOA DEED or payment
HOA FORECLOSURE
Ramsey Purchase
Page
56
COUNTY TAX RECORDS
Page
57
MERRIE FOSTER
8-26-2011
Ron Hutchison
HomeTelos, LP
Tennessee
Page
58
DEED OF TRUST
8-26-2011
Bank of America
Attorney
Anthony P. Donato
$37,202
Page
59
HUD S ECOND MORTGAGE
8-26-2011
HUD
Second Mortgage
$31,500
Satisfaction 10-5-15
Book: 7747 Page: 718
Special Warranty
Deed
signed by
HUD contractor:
Ron Hutchinson
HOME TELOS, TN
Notarized by Attorney
ANTHONY P. DONATO
Page
60
K IMATIA M ITTMAN
Property Management:
ASSOCIATION MANAGEMENT GROUP
Page
61
TIMELINE
Page
62
ROD S UMMARY
OMITTED
Assignment
B: 5445 P: 1530
Loan Modification
B: 7758 P: 1052
Dated
1-1-2013
filed 3 years later
11-10-2015
Deed of Trust
K. Hovnanian Mortgage
$105,300
SUBORDINATE D of T
Secretary of HUD
Amount of HOA foreclosure
$4,636
Substitute Trustee
HOA Foreclosure
$4,636
High bid by HOA
HOA DEED
Two (2) years later
Page
63
ASSIGNMENT
Page
64
MODIFICATION / SUBORDINATION
11-10-2015
Book 7758 Page 1053
Return To:
TIMIOS, INC
5716 Corsa Ave., Ste 102
Westlake Village, CA 91362
Secretary of HUD
$4,636
DATED
7-12-2013
FILED ON
12-10-2013
Page Book 7557 Page 1341
65
GUILFORD COUNTY GIS RECORDS
Screenshot: 12-7-2016
HOA DEED
Page
66
Page
67
K ENYUN D. & M IA L AWSON
Property Management:
ASSOCIATION MANAGEMENT GROUP
&
Property Management
COMMUNITY ASSOCIATION MANAGEMENT
Page
68
Cross-reference:
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Page
69
DOVER VILLAS HOA
2004 - 2010
Note:
NO ASSIGNMENTS
Page
70
DOVER VILLAS HOA D EED
Page
71
10-1-2004
Dover Villas
Page
73
SUBSTITUTE TRUSTEE
6-21-2010
Dover Villas
Deed of Trust
National City Mortgage
No Assignment
to PNC
Page
74
SUBSTITUTE TRUSTEE DEED
Page
75
9-8-2010
Dover Villas
$78,300
Deed of Trust
$98,900
Page
76
Page 2 of 2
Page
77
Page
78
NOTICE
9-20-2010
Dover Villas
No
PNC Assignment
Page
79
TIMELINE
Page
80
ROD S UMMARY
Three (3)
Substitute Trustees
Six (6)
Assignments
HUD Assignment
TWO (2) YEARS PRIOR
to SALE of the property
by Lawson
HUD
Page
81
CARRIAGE WOODS DEED
10-23-2007
Carriage Woods
Page
82
CARRIAGE WOODS DEED OF TRUST
Page
83