Cheaters Among Us, John & Kay Sickler

The Internet has become a common ground for sharing viewpoints, both pro and con.

As more people are tuned in to the electronic age it has become increasingly more difficult for the bad practices of any business, no matter how remote or small their marketplace is, to continue without being noticed, as has been the case until now. People of all levels and of experience have increasingly begun to share their opinions concerning the various pluses and minuses of various businesses. Many businesses are not coming out well in these news group discussions.

In the public records of the local courts are an usually high number of evictions that John & Kay Sickler have initiated. What’s interesting about this string of evictions is that they are on houses the Sicklers bought with Second Home loans according to the Washoe County public records. Specifically there were three purchases in Fall 2003 – all local houses.


None were ever owner occupied as according to the Washoe County public records; the John & Kay Sicklers lived elsewhere - locally. The court’s public records also confirm these properties were all rentals as the John & Kay Sicklers at one time or another, had lawsuits against the tenants in each of them.



Home Loan Fraud removes the equal playing field of the American free market. A Second Home Loan Rider unequivocally prevents the ever renting out of a house with the Second Home loan on it. It is a Federal felony to use a Second Home loan to purchase a home in the same locality of where one lives. It is also Federal felony to have more than one Second Home loan at a time.

Borrowers are required to certify in writing that all the information in their loan application is true and complete, they’ve made no misrepresentations in the loan application or other documents, nor did they omit any pertinent information, and that they understand it a Federal crime punishable by fine or imprisonment or both, to knowingly make any false statements when applying for mortgages, as applicable under the provisions of Title 18, United States Code, Section 1014. The penalties are up to $1m and 30 years prison per occurrence, to the borrower, to the loan officer, to the Realtor, in fact to anyone found involved in it.Home Loan Fraud includes any misrepresentations or false statements made or failure to disclose information to obtain a loan for other than the purpose stated in the loan application.



Examples are falsifying pay stubs, W2s, tax returns, Verifications of Employment, asset statements such as bank statements, 401ks and IRAs, Verifications of Rent, rental agreements, home addresses, owner occupancy and Second Home exclusive occupancy. Borrowers are required to sign a Second Home rider when they obtain a Second Home loan. To protect the lender, that Rider is recorded into the public records.


Even having a roommate violates the Second Home Loan Rider: “6. Occupancy. Borrower shall occupy, and shall only use, the Property as Borrower’s Second Home. Borrower shall keep the property available for Borrower’s exclusive use and enjoyment at all times.”

The Washoe County public records have the same lender and employee of that lender on all these loans: Countrywide and its Reno manager, Ms. Sue Barry http://www.broowaha.com/article.php?id=3415. The Northern Nevada Multiple Listing Service has the same Realtor in their records of these purchases: Mr. David Kahan. Mr. Kahan is also an attorney according to the public records. Realtor David Kahan hired Mrs. Kay Sickler as his assistant.



“Representing to any lender, guaranteeing agency or any other interested party, verbally or through the preparation of false documents, . . . terms differing from those actually agreed upon.” is an NRS 645 violation for any real estate licensee.



In the public records of the local courts, the John & Kay Sicklers evicted among several people, one Bonnie Wilson. Ms. Wilson says she is a former Miss Nevada and Realtor with Independence Realty. She fell on hard times as her health failed due to aging. Ms. Wilson’s nephew, Gary, came from back East to help his aunt. He researched NRS 118A and the public court records as well as the Washoe County public records. Gary discovered the string of real estate fraud that the John & Kay Sicklers had been doing as well as the John & Kay Sickler’s history of NRS 118A violations. NRS 118A are the statues that govern landlord tenant relations in Nevada.



Since it is illegal to rent out a property with a Second Home Loan on it, all rental contracts the John & Kay Sicklers entered into with people for these houses are void as one of the elements of a valid contract, it that it must be for a legal purpose. Therefor the John & Kay Sicklers had no legal authority to file evictions on their many houses with Second Home loans on them.

Consequently, the John & Kay Sicklers are also guilty of Unclean Hands.Ms. Wilson and her nephew said they confronted Countrywide’s manager, Ms. Barry, who did not deny the home loan fraud. They also submitted a complaint to the Nevada Mortgage Division and there Ms. Sheila Walthers told them that yes, these activities were several counts of mortgage fraud.



Bonnie Wilson and her nephew spoke with an IRS fraud investigator, as money collected under a fraudulent home loan is Federally classified as the crime of money laundering. They filed police reports of the John & Kay Sickler’s fraud and harassment. They filed the legally required Suspicious Activity Report with the FBI. The filed a complaint with Countrywide Home Mortgage. They filed a complaint with the Better Business Bureau. They filed a complaint with the Nevada Attorney General.Ms. Wilson says she was succeeding when the John & Kay Sicklers pulled a red herring tactic.



John & Kay Sickler set up a sting operation to amputate Bonnie Wilon's nephew’s support of her. Based on that fraud , the John & Kay Sickler's falsely obtained a restraining order against him.



There are numerous Title 18, United States Code, Section 1014, NRS 645, NAC 645, Realtor Code of Ethics and federal income tax fraud violations here. When one looks for answers and who is to be held accountable for the collapse of the housing market, Ms. Wilson suggests that it is these Cheaters Among Us.


Bonnie Wilson believes Countrywide and its employees should have followed Freddie Mac and Fannie Mae’s clear underwriting rules and the Realtors should have followed NRS 645 and their Code of Ethics. She believes if they had and if the police, FBI, Nevada Mortgage Division, Nevada Real Estate Division, Reno-Sparks Association of Realtors, Nevada Attorney General, IRS, and the judges, had taken timely actions they were supposed to do under the law against these prima facie series of crimes, the housing collapse would never have happened and we would not be in this terrible recession we now are in. She believes bribes were offered and accepted.



To me, gloating promoters of the Information Age all too often forget that knowledge has always been about connecting people and their behaviors, not just in collecting information. There has been and continues to be a democratic demand for more relevancy and currency in people’s and organization’s behaviors, and to holding people and organizations accountable for their conduct.I believe that the Internet, the servant to a Knowledge Economy, is the true democratic voice of facts and free speech beliefs.


Using the Internet to do a search is simply a reversion to the search of any life for credentials and integrity of another’s life.Most have access to a computer. Public schools and libraries have free public computer access and training. Most can now instantly post previously hidden facts and their free speech opinions, and access others’ post of previously hidden, even deliberately suppressed, facts and free speech opinions. Happenings and ideology that previously would never have been disseminated are now readily found with a simple Google search. A Google search is just a search for credentials and integrity.The result is that individuals and organizations are suddenly finding their previously hidden illegal, corrupt, lazy, or immoral behaviors, and their secrets, avarice, cravings, or even mistakes, suddenly and rightfully very publicly front and center on the Internet. Integrity, or its’ lack, is immediately exposed in a simple Google search.



Harmful behaviors that once were self-servingly known then to be ephemeral, and smugly relied on by the licentious perpetuators to be such, are now instantly available for analysis and judgment in the permanence the of the Internet. In response, evil raises its specious clamor when it finds itself suddenly and rightfully in the expose spotlight of the Internet. Once exposed, evil then aggressively applies its Unclean Hands to spurious ridicule and makes heavy-handed, manipulative intentionally damaging legal threats of, or illegally pursues, defamation to brutally and wrongly silence the dissemination of facts and muzzle free speech beliefs. The Internet though, has rightfully, quietly and powerfully abdicated the corrupt in its’ contemptuous and former commanding amoral influence in silencing facts and free speech beliefs.

Cheaters Among Us, James "Jim" K. Olson

Mick Jagger “I believe there can be no evolution without revolution. Why should we try to fit in?”

The Rolling Stones were the “bad boys” of rock . They advocated sexual freedom, for them not women, drugs, for all, and violence, only against others as they whipped an audience to out-of-control in 1969 at Altamont and a fan was murdered while they performed Sympathy for the Devi l. Out of this attitude came the term “happening .” A happening is a multi-media event. It is the modern theater and performance art. It combines theater, music and visual stimuli and is dependent on many improvisations from not only the performers, but the audience as well. I preferred the acid rock of Jimi Hendrix and his stirringly patriotic psychedelic blues rendition of the American Anthem Star Spangled Banner; Jefferson Airplane and Grace Slick singing in 1967 White Rabbit ; Quicksilver Messenger Service’s , What About Me ?; and the Beatles 1967 Sgt. Pepper’s Lonely Hearts Club Band and 1969 Abbey Road . Then and today it is still Country Joe and the Fish ’s Feel Like I'm Fixing To Die Rag .

Music I thought a lot about while I was in Nam. In 1970 and 1971, Jimi Hendrix, Janis Joplin and Jim Morrison died, all three at the same age of 27. When I came back home to San Francisco, the theme of madness and death I saw in Nam became foggy. Then arrived Pink Floyd’s 1973 Dark Side of the Moon . It deservedly stayed in the Top 40 a record 751 weeks. In 1980, Pink Floyd released their equally profound The Wall . That was also the year one James “Jim” K. Olson arrived in Marin County , California. Per the public records in Reno and Marin County, California courts, CV 070655, are copies of Farmers homeowners’ insurance documents verifying homeowners’ insurance fraud. In fall 2000; one James K. Olson applied for homeowners insurance with Teixeira Farmers Insurance in Carson City, Nevada.

The documents James K. Olson signed had that Mr. James “Jim” K. Olson obtained homeowners insurance for 13870 Mt. Babcock St., Reno, Nevada 89506. Mr. James “Jim” K. Olson certified in those documents that his wife was one Morgan Olson, and 13870 Mt. Babcock St., Reno, Nevada 89506 was his primary address.

In April 2002, the same Mr. & Mrs. James K. Olson obtained landlord’s insurance from the same Teixera Farmers Insurance when they bought 5242 Echo Ave., Reno, NV 89506. Today, according to the Washoe County public records, they still jointly own that Reno property through their Nevada Living Trust .

In spring 2007, Mrs. James “Jim” K. Olson filed for a divorce in Reno from James K. Olson. Mrs. Olson had received a telephone call in early October 2006 that her husband had just died in Marin County, California. Mr. James “Jim” K. Olson, very much alive though, but now caught in bigamy , quickly made an amazing claim in light of his signed in 2000 Farmers homeowners insurance documents. James “Jim” K. claimed that he was now married in Marin County, California “a couple of years” to another, divorced from the Reno Mrs. Olson since July 1996, and has never lived in Reno.

In Mr. James “Jim” K. Olson’s now claimed July 1996 “divorce” he failed to pay Mrs. Olson $15,000 for community property probably because as he admitted in various Reno court papers, he had reconciled with her in Reno in July 1996. In summer 2000, Mr. James “Jim” K. Olson signed purchase documents, then forged his Reno wife’s name, to their purchase of a car he bought in Marin County. Four witnesses testified in the Reno court in spring 2007 of the Olson’s almost 12-year husband and wife relationship in Reno up through September 2006. They were the Mr. & Mrs. James “Jim” K. Olson’s several years mechanic and owner of Hogan’s Carb & Tune , Sheri a clerk from Greater Nevada Credit Union , Josh Neel one of their tenants, and a client.

Since Mr. James “Jim” K. Olson has chosen to claim no marriage to the Reno Mrs. Olson since July 1996, and of having never lived in Reno, then Mr. James “Jim” K. Olson’s signed by him Farmer’s Reno homeowners insurance documents are frauds and a felony.

For details beyond the Reno homeowners’ insurance fraud, see Cindy’s Now You Call It Madness , in the San Francisco BrooWaha . I like segue and elliptical so I’m looking forward to the art movie of it all as the poignancy of the profound insights into this labyrinthine relationship has not escaped me. Jerry Goldsmith , who scored the music for the films Chinatown and LA Confidential , would have been the one for its musical score. I think of its musical score with its themes, a concept derived from Richard Wagner’s use of leitmotifs in his operas. Something along the lines of the musical themes in the James Bond and Pink Panther films.

“Just listen with the vastness of the world in mind. You can’t fail to get the message.” Pierre Boulez

The cartoon is from: Stu's Views

Cheaters Among Us, Jurie Maree

When male Easter bunnies lay Easter eggs.

According to Arizona public records, in 2004, one Mr. Jurie Maree lived at 15740 E Mustang Dr., Fountain Hills, AZ 85268. According to the public records of the Reno Justice Court, his Realtor, one Keith W. Gledhill of Prudential Nevada Realty wrote in a 2004 e-mail that “Yurie needs to purchase a primary residence in Reno, re-fi his existing home in Arizona, declare it a second home start claiming the room mates contribution as a rental income (although his income will may be too high to depreciate on an annual basis) (we may be able to get is effective income below the threshold using the houses to reduce the tax liability).” What Mr. Keith W. Gledhill was writing about was home loan and income tax fraud as Mr. Jurie Maree would be a straw buyer for fraudulent use of a home loan.

Mr. Keith W. Gledhill was then recycling a pre-SEC ploy favored by well-financed selling to the dumbest. He manipulated the Reno real estate market just like Cornelius Vanderbilt and Daniel Drew had done with stocks when they “painted the tape.” By connivance and chicanery they, and others like them, launched a bull or bear run, driving stock prices up or down. “Paint the tape” was manipulators playing to the dumb, buying blocks of shares that caused the price to rise and convinced the dumb public to buy. The dumb was those wanna be neighborhood tycoons whose favorite pastime was tickertape reading. When they saw the sudden increase in price, they bought to go along for the ride. Their ride was always rigged for self-destruct though. “Of course, what everyone knows isn’t worth knowing.” – Gerald Loeb

Mr. Keith W. Gledhill’s clients, in their induced by Mr. Keith W. Gledhill, burning desire to acquire houses, forgot two important rules. The first is never trust the advice of someone who makes a commission off doing business with you. The larger the purchase price, the larger Mr. Keith W. Gledhill’s commission. There was nothing to justify the extravagant house prices Mr. Gledhill talked everyone in to. The second is that it is always in the rarified atmosphere of confidence and invincibility that disaster strikes and wealth vanishes – Marc Faber.

Suckers such as Mr. Keith W. Gledhill’s clients pushed the house prices up to where Mr. Keith W. Gledhill sold his Britannia property. Per Washoe County public records, on October 24, 2005, Keith & Jennifer Gledhill flipped/sold 5611 Britannia Dr., Reno, NV 89523. Mr. Keith W. Gledhill took his profits after using his clients to create them, then left his clients twisting on his sword bloodied with his client’s wounds of their losses.

The same ploy was used in 1929 with RCA stock. Hustlers in that con included Walter Chrysler of Chrysler and Charles Schwab of U.S. Steel, grandfather of discount stock broker Charles Schwab. Dean Witter then sent an inter-office memo in April 1929 that stocks were being bought without regard to “value, earning power and dividends, present and prospective. They were buying stocks only because they hoped they would go higher.”
Per Washoe County public records November 11, 2004, Mr. Jurie Maree purchased 2715 Snow Partridge Dr., Reno, NV 89523. The purchase included a fraudulent Owner Occupant Deed signed by Mr. Jurie Maree as his mailing address remained 15740 E Mustang Dr., Fountain Hills, AZ 85268 and the public records have an owner occupant loan on that Arizona property as of April 15, 2003.

Aside from the mortgage fraud under Title 18, United States Code, Section 1014 , there are also the felonies of Mail Fraud, Bank Fraud, Wire Fraud, Conspiracy and Money Laundering.

Frenetic Funnies

Zeroes Among Us, Ben C. Scheible

The mystery of the missing Real Estate degree.

“I do not know what I may appear to the world; but to myself I seem to have been only a boy playing on the seashore . . . whilst the great ocean of truth lay all undiscovered before me,” Sir Isaac Newton. Why doesn’t TMCC or UNR offer a Real Estate Degree? Real estate, stock and people are the assets of our great country. There are hundreds of Real Estate degrees offered state and nationwide in recognition of the most important fact that under all is the land. However, neither at TMCC nor UNR, is a Real Estate degree offered. TMCC is Truckee Meadows Community College and UNR is University of Nevada, Reno.

At TMCC , the one full-time real estate instructor is one Mr. Ben C. Scheible . Mr. Ben C. Scheible is an attorney as well. Cheating is to defraud, swindle, practice deceit, or violate rules or agreements. Mr. Ben C. Scheible also has, in bold competition with TMCC, a private for profit real estate school he owns, one Ben C. Scheible Seminars . That is a prima facie conflict of interest for his duties at TMCC, and it brazenly violates his required legal ethical canons as a lawyer. Mr. Ben C. Scheible’s private real estate school is a vast benefit for Mr. Ben C. Scheible, but a serious detriment to TMCC, TMCC students, the community that TMCC, as a community college, exists solely to serve, and the taxpayers. Mr. Ben C. Scheible is in shameless breach of his required fiduciary and agency relationships with TMCC, its students and the community that his legal and ethical duties as a public employee are to serve. Mr. Ben C. Scheible has put his interests ahead of his employer, his students and his community.

Mr. Ben C. Scheible gets earns thousands of dollars more teaching as Continuing Education what he should be teaching as academic units at TMCC, but instead is teaching at Dickson Realty, the Reno-Sparks Association of Realtors, Incline Village Board of Realtors , and other private entities. Mr. Ben C. Scheible was hired and is paid to do a job. Instead, he has intentionally used it to instead divert funds into his pockets at the expense of his students, his employer, his community, and taxpayers. Mr. Ben C. Scheible is feasting at the public trough. Some of the real estate classes he was hired to teach at TMCC he has never taught. Other real estate classes have been on the TMCC schedule as Mr. Ben C. Scheible to teach, but according to Internet sites, Mr. Ben C. Scheible was elsewhere on those dates. Elsewhere, and to him, more profitable.

There is an extensive and significantly important difference between training someone with Continuing Education through a for-profit business, and educating someone in an academic environment. Carson’s City’s Western Nevada College has had a long-standing successful and highly thought of Real Estate degree program .

TMCC students have reacted to these matters in several ways via e-mails and calls to the TMCC administration. In vain, they have repeatedly begged, pleaded and petitioned for a TMCC Real Estate degree. They have done so for years. They have repeatedly asked why they shouldn’t get two bangs for their buck like other schools where academic credit and State pre-licensing credit is earned in one class.

Then Chair Steven Bale reported to Dean Hornshaw. Chair Steve Bale had requested, as Mr. Ben C. Scheible’s Chair of the department, that Mr. Ben C. Scheible prepare a TMCC Real Estate degree curriculum proposal. When Mr. Ben C. Scheible failed to present that requested proposed curriculum for a TMCC real estate degree, other real estate teachers stepped up to the plate and did. Mr. Ben C. Scheible, and Dean of the TMCC Business Department, Susan Hornshaw, quashed that. Chair Steve Bale lost his position as Chair the same time Mr. Scheible and Dean Susan Hornhaw quashed the Real Estate degree. Why did all these self-serving shenanigans happen?

I wonder if that answer is bold avarice as records show that Mr. Ben C. Scheible makes way more money through his private real estate school than he would by teaching the same classes at TMCC. Students have proposed that Mr. Scheible and Dean Susan Hornshaw should be removed from their posts.

Mr. Ben C. Scheible should pay back to TMCC what he has directed into his pockets that would have gone into TMCC’s. Real estate students want Dr. Steve Bale to be the Dean. Students want that TMCC should have a Real Estate degree program run by someone with a Real Estate degree. Something at one time according to school records, they did have, with a well-respected and liked professor, one Professor Alexandra. Unfortunately, she has been MIA since last summer due to serious health reasons, according to the rumor mill. Students want a new Dean, Dr. Bale, and a new head of the real estate program. Between them, TMCC will have the Real Estate degree they should, and the students and the community will be served as they should.

Cheaters Among Us, Richard W. & Tracy D. Homier

Fraudsters as Economic Terrorists: Panderers with Unclean Hands.

Cheat is to defraud, swindle, practice deceit, or violate rules or agreements. According to the Washoe County, NV public records, on November 23, 2004, Richard W. & Tracy D. Homier of 4809 Grandview Dr., Albany, GA 31721, signed a CTX Mortgage Second Home Rider for a home loan on 2870 Britannia Ct, Reno, NV 89523. The CTX Mortgage documents recorded in the Washoe County public records November 30, 2004.

According to Northern Nevada Regional MLS documents, Keith W. Gledhill, Realtor with Prudential Nevada Realty was the Selling Agent for the Homiers in their purchase of 2870 Britannia Ct. There is a pattern of Mr. Keith W. Gledhill steering his clients using different lenders each time.

On December 4, 2004, Keith W. & Jennifer I. Gledhill, who had none of the Nevada State required property management permits, had another rental ad in the Reno Gazette Journal. It was to rent out 2870 Britannia Ct. That is a violation of the Homier’s CTX Mortgage Second Home Rider. This rental ad also failed to have the NRS 645 required disclosures. Again, it had Mr. Keith W. Gledhill’s Nevada telephone number forwarded to the Gledhill’s home in Rancho Palos Verdes, California, for another Reno NorthWest property in the same neighborhood, as the Gledhills other rental ads.

According to this very easily traced public record trail, the Richard W. & Tracy D. Homiers never intended to occupy 2870 Britannia Ct. as a Second Home. They always intended, and did, with the Gledhill’s assistance, rent it out at close of escrow or just after. A felony and conspiracy, as Loan Fraud is a Federal crime. Title 18, United States Code, Section 1014, has penalties up to $1m and 30 years prison per occurrence; to the borrower, to the loan officer, to the Realtor, to anyone found involved in it. For Mr. Keith W. Gledhill, a Nevada licensed real estate agent and Realtor; they are also violations of NRS 645 and the Realtor Code of Ethics.

Per Reno Justice Court, and Reno District Court public records, the Nevada Real Estate Division investigated Mr. Keith W. Gledhill. Part of it was for his violations of running rental ads without required NRS 645 disclosures or permits. The investigator, Charles Henry, spoke with Mr. Keith W. Gledhill and his Broker, Valerie Mapes, about the illegal ads for Robert & Jonna King. Mr. Robert King it turned out, was a then Captain in the United States Air Force.

Somehow, I think his mortgage fraud activities don’t meet the military’s definition of an officer and a gentleman.
Mr. Keith W. Gledhill continued his illegal and ethical activities. The Nevada Real Estate Division investigator, Mr. Henry, then investigated the rental ads Mr. Keith W. Gledhill was running for the Richard W. & Tracy D. Homiers. Mr. Keith W. Gledhill then lied to the investigator. He told Mr. Henry the rental ads were for his property. Even if true, the rental ads were still illegal, as they did not have the required disclosures, even after being officially notified of that failure in the King’s rental ads. Mr. Keith W. Gledhill lied to the investigator as his latest rental ads were for the Richard W. & Tracy D. Homier’s 2870 Britannia Ct. property.

Keith W. & Jennifer I. Gledhill and Richard W. & Tracy D. Homier intentionally gave materially false, misleading and inaccurate information and statements to CTX Mortgage, and failed to provide CTX Mortgage with material information concerning this Second Home loan. Keith W. & Jennifer I. Gledhill continued to manage, without the State required licenses and permits, the Richard W. & Tracy D. Homier property for compensation.

The rents Richard W. & Tracy D. Homier collected on this property are money laundering. Every mortgage payment the Homiers made on this property was either Mail Fraud or Wire Fraud. All felonies.

Real estate loan fraud is a threat to American National Security. It is white-collar crime. Real estate loan fraud has exceeded identity theft as the fastest growing white-collar crime. California and Nevada have among the highest known incidents of real estate loan fraud. Mortgage fraud is any misrepresentations, false statements made, or failure to disclose information to obtain a loan for other than the purpose stated in the loan application. Examples are falsifying pay stubs, W2s, tax returns, Verifications of Employment, asset statements such as bank statements, 401ks and IRAs, Verifications of Rent, rental agreements, home addresses, owner occupancy and Second Home exclusive occupancy.

That’s why borrowers are required to certify that all the information in their loan application is true and complete, they’ve made no misrepresentations in the loan application or other documents, nor did they omit any pertinent information, and that they understand it a Federal crime punishable by fine or imprisonment or both, to knowingly make any false statements when applying for mortgages, as applicable under the provisions of Title 18, United States Code, Section 1014.

Mortgage fraud is why Borrower’s are required to sign a Second Home rider when they obtain a Second Home loan. A Rider that is recorded into the public records to protect the lender. Even having a roommate violates the Second Home Loan Rider: “6. Occupancy. Borrower shall occupy, and shall only use, the Property as Borrower’s Second Home. Borrower shall keep the property available for Borrower’s exclusive use and enjoyment at all times.”

What is the result of real estate loan fraud to the American economy? There are three notorious examples. The disastrous recession we as a country are in today is the first. In recent memory, the S & L crises every American taxpayer had to assist in bailing out is the second. Moreover, of course, the Crash and resulting Depression is the third. In 2006, the market watchers spoke of the hissing of the housing market bubble as it deflated; praying it was not a thud, an immediate and serious danger to the American economy and therefore, American National Security. Since then, the hiss of the deflating Real Estate Bubble has grown ominously silent as its bubble has burst. The Housing Bust has devastated the American economy.

These Fraudsters are Economic Terrorists, panderers with Unclean Hands. Why is it that the ones cheated on are the ones in hell while the cheaters are not in prison?

Sources are the Washoe County public records, Northern Nevada Regional Multiple Listing Service, Reno Gazette Journal rental ads, Prudential Nevada Realty house flyers, United States Code, NRS 645, NAC 645, Realtors Code of Ethics, Reno Justice Court, Reno District Court public records, and public records 2004, Pg. 187 SBC phone book with Keith W. & Jennifer I. Gledhill’s 775-747-6581 telephone number.

Bullies Among Us, Valerie Mapes

In her world, a good salesman aims to make a killing not earn a living.

According to public Reno Justice and District court records, in August 2004, Wells Fargo received several calls from Valerie Mapes. Ms. Valerie Mapes was then and is a Broker Owner of Prudential Nevada Realty. The calls were about her agent, Keith W. Gledhill.

Initially, Ms. Valerie Mapes spoke with Wells Fargo’s manager, James Elvick. Ms. Valerie Mapes told Mr. Elvick to muzzle his loan officers or else she would not allow anyone in her brokerage to work with anyone at Wells Fargo. Mr. Elvick had known of Mr. Keith W. Gledhill’s illegal activities for several previous months as Mr. Keith W. Gledhill had months earlier fired Wells Fargo loan officer, Ms. Michelle Vinson, for refusing to do Mortgage Fraud and have an affair with him. Mr. Keith W. Gledhill had described Ms. Michelle “Shelley) Vinson as “a bimbo who wouldn’t do what I wanted.” Ms. Vinson says she “did not want to work with Keith as (she) fired him because he was a dirty rat looking to screw around on his wife as he had called (her) while she was at training in LA, where the Gledhills live, and had offered to pay for (her) to stay another night and show (her) the town and then had shown up at the Brew House while (Ms. Vinson) was there with friends.”

Mr. Keith W. Gledhill did not work and bragged about it and repeatedly ridiculed those who did. “What I do is a more productive use of my time.” Mr. Keith W. Gledhill repeatedly bragged about his expensive vehicles, his rich and lavish lifestyle and how stupid the peons were for working when there were so many other easier ways to live.
It had become obvious to Wells Fargo that Mr. Keith W. Gledhill and his wife lived beyond their stated income for the debts, mortgage amounts and lifestyle they maintained. Mr. Keith W. Gledhill had asked unusual questions regarding compliance with government reporting requirements, anti-money laundering policies, loan fraud, owner occupant home loan and home insurance policies, forged documents such as rental agreements, home owners’ insurance, and does the lender follow up on documents and go out and actually check property after close? He repeatedly exhibited a lack of concern regarding risks, commissions or other transactional costs to a home loan lender or insurance company.

When Mr. Keith W. Gledhill approached a second Wells Fargo loan officer for Mortgage Fraud, Mr. Elvick properly started the process of involving Wells Fargo Fraud, 800/947-9869, for the required Suspicious Activity Report (SAR). Karen Benson with Wells Fargo Loan Fraud told Wells Fargo Reno to file a police report and give all information to the State agency regulating Gledhill’s real estate license. Then Wells Fargo discovered that Mr. Keith W. Gledhill provided Wells Fargo with a forged original rental agreement to clear a loan condition. Karen Benson then filed a SAR (Suspicious Activity Report) with the FBI and added probable money laundering by Keith W. Gledhill to her report. There was by now a growing belief the Gledhills had used to facilitate several federal criminal transactions, Bank of America, Wells Fargo, First Horizon and CTX Mortgage, as conduits for money laundering in noncompliance with the Bank Secrecy Act (BSA). Funds involved were derived from illegal activities, drugs and home loan fraud. It was intended to hide or disguise funds and assets derived from these illegal activities. The scheme and subsequent conspiracy is a very sophisticated form of white-collar crime. It may have started with Mrs. Gledhill as he is a highly trained and educated accountant. It appears from the public trail that the Gledhills were using home loans to move money into real estate, buying and selling targeted Reno houses to hide the Gledhill’s drug and loan fraud activities, including forging documents such as rental agreements. It was done to create an income stream, and subsequent tax losses (mileage between LA and Reno, interest, depreciation, etc.) to run drug money through.
It was then discovered that Mr. Keith W. Gledhill’s home address, where he lives at 4214 Dauntless Dr. Rancho Palos Verdes, California, 90275-6013, is a property owned by Toshio & Kiyomi Tanaka, according to the public record. The Tanaka’s are Mr. Keith W. Gledhill’s landlords.

August 4, 2004, 6:21 p.m., Mr. Keith W. Gledhill sent an e-mail to a female Wells Fargo loan officer, “Change unlocks complacency to discover unknown opportunity (I call this living life) Your new clients, because their houses are more expensive, may give you a severe cashflow problem. To fight off this cashflow problem, you may have to find something else to do besides work. You may gain a great amount of wealth with less units and find it to be satisfactory. I have found that improving my environment always improves my productivity. In other words, improving my environment always improves my productivity. Second, you must consider a value for the intangible element of living life. The importance of this is demonstrated by the tangible element...life is short! But, you will die a fool if you don’t live life while you are alive. Now, were you bullshitting me, or do you want to live in west Reno. If you do...lets get going. Your Moving on up!” That was forwarded to Mr. James Elvick.

August 9, 2004, Mr. Keith W. Gledhill sent a female Wells Fargo loan officer an e-mail writing about how his car’s “performance capabilities matches my own” and “I don’t want to know wives of drunks etc...they would be robbing the time I can spend with smart people..like you.”
August 9, 2004, Mr. Gledhill sent another e-mail to a female Wells Fargo loan officer writing, “I pursue people that have strengths greater than mine ...” That was forwarded to Mr. James Elvick.
First thing Monday morning August 16, 2004, Mr. Keith W. Gledhill left a female Wells Fargo loan officer a voice mail at her office telling her how he “couldn’t wait to get her in the neighborhood so they could spend more time together.” That was forwarded to Mr. James Elvick.

Mr. Keith W. Gledhill left a female Wells Fargo loan officer a voice mail telling her he had every right to do what he was doing, questioned her ethics for questioning his and told he would have her fired for not doing her job (as he thought she should do it). That message was also forwarded to Mr. Elvick. Realtor Leon Leeper heard this message.
Mr. Keith W. Gledhill then calls a female Wells Fargo loan officer at her office and he yelled and swore at her. He yelled so loud that Debbie Dell in the office could hear it. Mrs. Dell later complimented the loan officer how professional and well she handled that call.

In September 2004, Secret Witness report, # 0903040906, about Keith W. Gledhill, was filed. According to the Reno Gazette Journal on September 18, 2004, Prudential Nevada Realty announced that Mr. Keith W. Gledhill has joined them as a licensed real estate agent. The announcement had that Mr. Keith W. Gledhill is an airline transport pilot and had worked as an account executive in marketing. Mr. Keith W. Gledhill had not disclosed to Wells Fargo this information in his loan applications. He had consistently reported himself on his three Wells Fargo loan applications as a “house husband with no income for several years.”

On January 15, 2005, Wells Fargo Reno sent another fax to Wells Fargo Loan Fraud, fax # 612/312-7205, updating them as to Mr. Keith W. Gledhill’s activities. At Wells Fargo Loan Fraud, Kim then told Wells Fargo Reno to file a complaint with the Nevada Division of Real Estate for the Gledhill’s unlawful activities. Charles Henry was the Investigator.

Ms. Valerie Mapes then calls Wells Fargo manager James Elvick. She left Mr. James Elvick with a great concern that she would stop all business with Wells Fargo Home Mortgage. Ms. Valerie Mapes call was intentionally done to jeopardize Wells Fargo. Ms. Valerie Mapes did it to protect herself and her agent, Mr. Gledhill, from his illegal activities.

Ms. Valerie Mapes then called Beverly Stewart, Wells Fargo Reno Branch Manager, and then Rick Vaughan, Wells Fargo Reno Area Manager. Mr. James Elvick then had a meeting with Rick Vaughan, Area Manager. Instead of Mr. Rick Vaughan commending and thanking Mr. James Elvick and his team for not participating in Mortgage Fraud, Mr. Rick Vaughan told Mr. James Elvick and his team “We are to protect our Realtors. I am not going to have Wells Fargo blacklisted by the Realtors over this. Do you digest this because your job is on the line?”

A few days later Mr. Rick Vaughan had another meeting with Mr. James Elvick and his team. Beverly Stewart, was there. Mrs. Beverley Stewart strongly suggested “a way be found to withdraw complaints against Keith Gledhill and Prudential Nevada.”

At Wells Fargo Loan Fraud, Alan Stack then told Wells Fargo Reno to file a complaint with the California Department of Real Estate and update the Reno FBI for the Gledhill’s unlawful activities.

In January 2005, witness Nona Hester in another Nevada Real Estate Division complaint against Mr. Keith W. Gledhill, received a letter from Mr. Gledhill where he had written “. . . I will sue you.” Appears Mr. Gledhill is threatening to sue everyone who exercises their lawful rights to file complaints with the State agency that regulates his real estate license.

Ms. Valerie Mapes, in her capacity as the Broker Owner of Prudential Nevada Realty, was in a significant position to Wells Fargo. In those telephone calls to Wells Fargo, Ms. Valerie Mapes abused her position of economic importance to Wells Fargo Home Mortgage. She used blackmail and economic terrorism in the form of a serious damaging economic threat to Wells Fargo Home Mortgage. She used extortion and harassment-abuse intended to harm economically Wells Fargo. It was done to terrorize Wells Fargo into silence with her very serious and significant threat of not allowing anyone in her brokerage to work with anyone at Wells Fargo. Ms. Valerie Mapes did it to deter Wells Fargo from doing its legally required job in whistle blowing to bring Mr. Keith W. Gledhill’s fraudulent loan activities to light. The result would be an economic advantage aka blackmail over Wells Fargo to the point Wells Fargo would abandon their legitimate complaint against Mr. Keith W. Gledhill and his brokerage.

There was no business purpose to Ms. Valerie Mapes’ telephone call to Wells Fargo. It was a personal and horrifying club that Ms. Valerie Mapes explicitly used to beat unfairly Wells Fargo into silence. It was done to silence James Elvick, his team, Beverly Stewart, Branch Manager, and the Wells Fargo Area Manager, Rick Vaughan. Mr. Vaughan and Ms. Stewart immediately capitulated to Ms. Valerie Mapes threats. They instructed Mr. James Elvick and his team to find a way to withdraw the complaint Wells Fargo Corporate had instructed as they were “not going to have Wells Fargo black listed by the Realtors over her complaint, however legitimate it may be.”
On February 10, 2005, Alan Stock, Wells Fargo Loan Fraud, 612/312-4579 referred Wells Fargo Reno to the nearest FBI office to make direct contact and give them everything regarding Keith W. Gledhill.

On February 14, 2005, Alan Stock, Wells Fargo Loan Fraud, 612/312-4579, told Wells Fargo Reno that Wells Fargo “local management had dropped the ball.” He was referring the Gledhill file to Wells Fargo Corporate Security. They should have been notified by local management months ago when first brought Gledhill’s actions and behavior to their attention as now Keith W. Gledhill has sexually harassed two Wells Fargo female employees, threatened them after refusing his bribes, and was continuing the loan fraud. That Wells Fargo Reno through Mr. James Elvick and his team had done everything as trained to do per Wells Fargo Policies & Procedures but somehow Rick and Beverly dropped the ball. Mr. Stock authorized release of more information to Nevada Real Estate Division.

On February 21, 2005, Alan Stock, Wells Fargo Loan Fraud, 612/312-4579, said he was researching Wells Fargo getting a Restraining Order against Gledhill and had Mr. Elvick’s team fax to him at 612/312-4579, everything on
Keith W. Gledhill.

On February 23, 2005, Chuck Gipp, Wells Fargo Corporate Security, referred Mr. James Elvick’s female loan officer team to Wells Fargo Employee Assistance, 888/327-0027.

Over Mr. James Elvick’s protests, Mr. Rick Vaughan and Ms. Beverley Stewart then fired a female Wells Fargo loan officer on Mr. James Elvick’s team. Beverly Stewart is now a manager at Countrywide Home Loans.

March 3, 2005, Stacy Barth, Wells Fargo Human Resources, 515/213-5159, called to tell fired loan officer was “termed, so couldn’t talk.”

Ms. Valerie Mapes is a bully pandering with Unclean Hands. Why is it that the ones threatened are the ones in hell while the bullies are not in prison?

Sources are the Washoe County public records, Prudential Nevada Realty house flyers, United States Code, NRS 645, NAC 645, Realtor’s Code of Ethics, e-mails, Hester letter, Reno Justice Court, and Reno District Court public records.

Cheaters Among Us, Sue Barry

Why is it that the ones cheated on, the American economy, are the ones in hell aka recession, while the cheaters are not in prison for it?

Sue Barry has been a loan officer and manager with Countrywide Home Loans for several years. When Ms. Barry was confronted with the public record evidence of her clients, John and Kay Sickler’s , mortgage fraud, she did not deny it. Ms. Barry knew about mortgage fraud , condoned it and benefited by it. It is believed that Ms. Barry at the time of the Sickler’s mortgage fraud was then earning around $450,000 as a loan officer and Countrywide manager.

What Ms. Sue Barry was doing made her a Fraudster , Economic Terrorist , panderer with Unclean Hands , and I believe a plain and simple cheat, and a not very bright one at that. Cheat is to defraud, swindle, practice deceit, or violate rules or agreements. Why is it that the ones cheated on are the ones in hell while the cheaters are not in prison? There is a pattern of behavior from Ms. Sue Barry Barry. She acted outside the accepted Countrywide’s practices as stated in writing to her and every loan officer at Countrywide. Behavior relating not only to mortgage fraud but also violations of Countrywide’s own Human Resource rules. There is a large gap between Countrywide’s Loan Fraud Department and Countrywide’s Corporate Security that Ms. Sue Barry Barry successfully and profitably operated in.

What was the role of David Kahan, the Realtor representing the Sickler’s John & Kay Sickler) in their mortgage fraud? How did he write the Sickler’s purchase contracts? Were they written for an owner occupant or a non-owner occupant in each contract? Why did he hire Mrs. Kay Sickler? Did Mr. David Kahan know of the Sickler’s and Countrywide’s mortgage fraud?

Those Sickler purchase contracts were seen and approved by a Countrywide underwriter as well as its manager, Ms. Sue Barry Barry. Is Ms. Sue Barry Barry a rogue Countrywide employee? Is the Countrywide underwriter that signed off on these fraudulent Sickler loans a rogue employee? Or is this behavior the standard practice at Countrywide? According to documents in the Washoe County public records, Ms. Sue Barry Barry actively condoned mortgage fraud for several years for several of her clients in direct violation of Countrywide’s written policies, United States Code, Freddie Mac, Fannie Mae, VA, and HUD’s mortgage fraud policies. Those violations threatened American National Security , and violated Countrywide Home Loans’ own Human Resources’ policies, the Bank Secrecy Act , and the Patriot Act . Those violations directly contributed to the collapse of the housing market and this recession America is now in.

It is easy to do a free search in any public record. You can search by borrower name, by lender, by escrow or title company, and by type of loan such as Fixed, Adjustable, VA, FHA. Title companies do it all the time for free for Realtors and loan officers to help them with a client farm. They also do it for themselves to know their standing among each other for escrow and title business. Same for home loan lenders so they know how many of the loans recorded into the public records were done by which lender and what type of loan. The documents in the public records have a wealth of information. They have the escrow officer who did the escrow. They have the lender and the representative of the lender on them. They have who notarized signatures. Local newspapers report information gleaned from these public records.

Home loan lenders base yield on risk. The higher the risk, the higher the yield. Lenders call it risk-based pricing . Lenders base their pricing, or what they sell their product, their loans, to a borrower at, on risk-based pricing according to the underwriting guidelines of the investors. The investors are Freddie Mac, Fannie Mae, the government insured loans of FHA and VA, the credit committee of the lender when the loan is a portfolio loan, and hard money. In Trust Deed and non-recourse states such as Nevada, the only collateral is the real property securing the loan or loans. In Nevada, it is only up to the lower of the loan or the fair market value.

Lenders are in the business of originating loans and some service them. Lenders are not in the foreclosure business, nor property management business or in the business of selling real estate. When a loan is delinquent or in foreclosure, it becomes a nonperforming asset on the financial statements of the lender. There is now a cash outlay to the lender such as Trustee Fees, legal fees, recording fees, administrative fees, real estate taxes, property insurance, management fees to a management company, sewer assessment fees to a municipality, transfer tax to the county, and commissions to a real estate broker. This fees add up to an enormous amount of money.

Risk is graded by the delinquency and foreclosure rates and their associated costs. The lowest risk is an owner occupant loan so it is the cheapest product aka loan, a borrower can buy, and can often obtain 100% financing for it. A more riskier loan is a Second Home loan so it is more expensive for the borrower to obtain, either in the rate over the life of the loan or in points paid up front to increase the yield to the lender to cover the increased risk, and often only 95% financing is available. The reason is due to the fees the lenders incurs when the loan is non-performing. With 5% down, the lender is hoping that will cover their cash outlay if they have to foreclose and then sell the property. The riskiest loan is an investor loan aka non-owner loan so it is the most expensive for the borrower to obtain, either in the rate over the life of the loan or in points paid up front to increase the yield to the lender to cover the increased risk, and 100% financing is not available for investor loan aka non-owner loan and often only 90% financing is available. The reason is due to the fees the lenders incurs when the loan is non-performing only now the cost to evict a tenant is added in. With 10% down, the lender is hoping that will cover their cash outlay if they have to evict a tenant, foreclose and then sell the property.

Freddie Mac and Fannie Mae are exceptionally good at understanding that higher interest rates result in more delinquencies and foreclosures of the equity products and the adjustable rate mortgages. They are quasi-Federal agencies, and HUD and the VA agency, govern the government insured FHA and VA loans.

I believe a class-action lawsuit against these lenders, and personal lawsuits against individual cheaters such as Ms. Sue Barry Barry, are probably already a brewing. All the evidence for it is in a very easily traceable record in the public trail of the: the Washoe County public records , Multiple Listing Service , Reno Gazette Journal rental ads, Prudential Nevada Realty house flyers, Freddie Mac , Fannie Mae , HUD , VA , United States Code , NRS 645 , NAC 645 , Realtors Code of Ethics , Reno Justice Court , Washoe County District Court public records, and Sparks Justice Court public records.

Culprits Among Us, Jenna Kay Clark

What goes around comes around.

Per the Washoe County public records, Jenna Kay Clark, Escrow Officer with First Centennial Title, notarized Keith W. & Jennifer I. Gledhill’s signatures, and the Seller’s signatures for both 2870 Britannia Ct. and 2745 Snow Partridge Dr. Reno, NV 89523. Per the public records of the Reno Justice court, Mr. Gledhill bragged he had learned to use Second Home and owner occupant loans for rental properties from Michael (Reynolds real estate agent with Prudential Nevada Realty) and Jenna (escrow officer with First Centennial) as “everyone is doing them.” Those public records also have that Mr. Gledhill and his clients fired Wells Fargo for refusing to do mortgage fraud and that Wells Fargo spoke with Ms. Jenna Kay Clark about that. Wells Fargo properly notified Ms. Jenna Kay Clark the loans on these properties were fraudulent, as these properties were really rentals. She was given copies of the public record rental ads in the Reno Gazette Journal. Ms. Jenna Kay Clark prior to close of escrow had knowledge detrimental to her clients, the lenders, that the borrower’s loans with these lenders were fraudulent.

First Centennial Title and its employees had a lawful duty to notify immediately the involved lenders. Ms. Jenna Kay Clark did not notify the involved lenders. Wells Fargo then gave First Centennial Title’s manager, Marlene Kelly, the information for the fraudulent loans. She also did not notify the involved lenders. First Centennial Title closed the escrows without ever telling the lenders their borrower’s loans were fraudulent.

Ms. Jenna Kay Clark, her manager Marlene Kelly and First Centennial Title’s duty arose under agency common law, fiduciary relationships and Federal law Title 18, United States Code, Section 1014 Borrower’s Certification “In applying for the loan(s) I/We completed a loan application containing various information on the purpose(s) of the loan(s), the amount and source of down payment, employment and income information, and assets and liabilities. I/We certify that all the information is true and complete. I/We made no misrepresentations in the loan application(s) or other documents, nor did I/we omit any pertinent information.” The borrower’s also signed that “I/We fully understand it is a Federal crime punishable by fine or imprisonment or both, to knowingly make any false statements when applying for mortgages, as applicable under the provisions of Title 18, United States Code, Section 1014.” This certification is on every HUD 1 aka Settlement Statement and is legally required to be prepared by anyone acting as an escrow in conveyance or refinancing of real property. It also applies to the escrow officer. Failure to comply is a felony.

Escrow takes lawful instructions from the seller and the buyer as only per the Offer and Acceptance Purchase Contract. Escrow instructions relating to the seller and buyer not in the Purchase Contract are illegal. Seller and buyer escrow instructions outside of the Purchase Contract are practicing law without a law license. That is a crime. Escrow also takes lawful instructions from the lender for their loan(s), and the real estate broker but only for the real estate broker’s commission. Ms. Clark, her manager and therefore First Centennial Title failed in their agency and fiduciary duties to their clients, the lenders. That is the crime/tort of intentional negligence.

Corruption is guilty or dishonesty practices as bribery, debased in character. Bribery is a felony. According to the courts public records, Mr. Keith W. Gledhill made it his practice to offer his and his client’s current and future business to loan officers, escrow officers and appraisers for their participation in his schemes. That is conspiracy and a bribe.

Conspiracy is a felony. Ms. Clark and her manager self-servingly put their fees they made off these fraudulent escrows ahead of their legal duties to their lender clients. In exchange for the bribe of escrow and title fees, Ms. Clark and her manager, Ms. Kelly, knowingly participated in a conspiracy, mortgage fraud, money laundering, and mail/wire fraud – all felonies and economic terrorism.

Loan Fraud removed the equal playing field of the American free market. It is economic terrorism and money laundering - felonies. An honest investor pays the fees the dishonest investor that falsely obtains a fraudulent loan doesn’t. Therefore, an honest investor cannot compete with a dishonest investor. The price of housing is manipulated up by the loan fraud as a dishonest investor bought that wouldn’t have bought if they had bought as an honest investor.

Mortgage fraud creates a false buyer. That deception adds to the demand for housing. Higher demand drives up prices.

Investors, by fraudulent buying with fraudulent loans, give themselves a hugely profitable, unfair and illegal advantage over other investors that do not do so. A Realtor that refuses to participate in mortgage fraud will always lose the dishonest investor to a dishonest Realtor such as Mr. Keith W. Gledhill. A loan officer that refuses to participate in mortgage fraud, will always lose the dishonest investor to a dishonest loan officer who will do the mortgage fraud. An escrow officer that refuses to participate in mortgage fraud will always lose the dishonest investor to a dishonest escrow officer such as Ms. Jenna Kay Clark.

Fraudulently obtained loans are a potential claim against the title policies. The housing market inevitably adjusts down for the mortgage fraud with a resulting Housing Bust. The fraudulent loans may go into delinquency or foreclosure. A title loss, or property insurance loss, may be deliberately staged when the property goes upside down.

Upside down means the amount owed on the property is more than the value of the property. Fraud is the biggest title policy and property insurance claim. The insurance company’s only defense is to deny the claim for fraud in the obtaining of the policy. That defense does not hold up though when the insurer or a representative of the insurer, such as Ms. Jenna Kay Clark and her manager Marlene Kelly, knew of the fraud and failed to tell the involved lenders. That’s Unclean Hands.

First Centennial’s motive for not telling the home loan lenders was monetary greed. First Centennial collected their escrow and title fees. That was an illegal benefit for First Centennial Title in this case. That was a detriment to their clients, the lenders in this case. It was done at the expense of the involved lenders as they were left screwed for the consequences of the mortgage fraud when the housing market inevitably collapsed.

People are looking for someone to blame as the American Housing Crisis continues to escalate from this American recession into a looming global depression. The lenders of these fraudulent loans will probably be eventually suing First Centennial and Ms. Jenna Kay Clark and her manager, Marlene Kelly, for their participation in defrauding several lenders. I believe a class-action lawsuit against these involved title and escrow companies and personal lawsuits against escrow officers such as Ms. Jenna Kay Clark are a brewing.

Because of the RICO statutes, racketeering is involved. Property (vehicles, houses, furniture, jewelry, appliances, etc.) obtained by Ms. Clark, her manager, Ms. Jenna Kay Kelly and First Centennial Title with these illegally obtained fees should be seized. All the evidence is in a very easily traceable record in the public trail of the Washoe County public records, Multiple Listing Service, Reno Gazette Journal rental ads, Prudential Nevada Realty house flyers, Freddie Mac, Fannie Mae, Title 18 United States Code Section 1014, NRS 645, NAC 645, Realtors Code of Ethics, Reno Justice Court public records, and Washoe County District Court public records.

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Drama Queens Among Us, Wright & Hanson

“Social order rests upon the stability and predictability of conduct of which keeping promises is a large item.” Roscoe Pound

Mitchell Wright and Kent B. Hanson are attorneys. Thomas and Cheryl Hanneman went to see them in Counselor Wright and Counselor Hanson’s capacity as attorneys. They chose Counselors Wright and Hanson because Counselor Wright advertised himself as a real estate attorney, and Counselor Hanson is a former Nevada State Deputy Attorney General for the Nevada Real Estate Division. According to the Hanneman’s, when they showed up for their appointment, Counselor Hanson told them “the secretary had just walked out.” Counselors Wright and Hanson offered to trade their legal services for Mrs. Hanneman immediately starting as their secretary. The Hannemans accepted. Counselors Wright and Hanson immediately hired an independent real estate expert for a written review.
The Hanneman’s soon found out why the former secretary had walked out. Counselors Wright and Hanson are Mormons. Here again is another example of that average Mormon IQ of a room temperature 68. Counselor Wright and his Mormon wife were having an on-going “drama.” Counselor Wright’s wife is Karen Wright, a Realtor with Prudential Nevada Real Estate . What is it with the off-the-wall character of real estate agents Prudential Nevada Real Estate hires?

Instead of Counselors Wright and Hanson doing as they had promised, legal services for the Hannemans, they were involved in a high drama. That drama was tearing apart their lives, destroying their legal practices, and endangering the safety of the tenants and visitors to the building where their offices are at.
Mrs. Wright drove by the front of the legal offices in their truck. Mr. Wright saw that and he went running out the front door. Mrs. Wright parked the truck in back and came in the back door. She went directly to her husband’s office and started packing up stuff. Mr. Wright walked in and their yelling and swearing at each other was heard throughout the building and parking lot. Mrs. Wright got into the driver’s seat of their truck and started the engine. Her husband tried to open the door but found it locked. He reached in through the open window trying to unlock the door. Mrs. Wright closed the window trapping her husband’s arm. She drove off with her husband trotting along side while they continued yelling and swearing at each other. That was quite the site as Counselor Wright wears ill-fitting dark suits as he has a bit of a stomach, and very high-heeled cowboy boots. Counselor Hanson then came running out the backdoor yelling for Mrs. Hanneman and the receptionist “to call 911!” He then went running after the truck dragging his colleague. By that time, most of the neighborhood heard and saw what was going on. Counselor Wright then fell as his arm was released. Counselor Hanson helped him back to the office. Counselor Wright was swearing “what a sick bitch she is” and Counselor Hanson was urgently asking, “Mitch, Mitch where are your guns?! What about your guns?!”

This drama in various forms continued. Counselor Wright missed filing deadlines and court dates. Guns were waved around. A divorce was out there. A restraining order was out there. Any client of Counselors Wright and Hanson or any other attorney in the building that came in for their cases only heard about Mitch and Karen’s drama. The receptionist and other tenants in the building complained to the landlord. The landlord was forced to threaten eviction of Counselors Wright and Hanson.
Then Counselor Wright was observed with his pants down, on top of his wife on top of his desk. Seems they were either going for each other’s throats or their crotches.

In the meantime, the independent reviewer hired was working on the report but never completed as was never paid for.

Contracts: The noted legal scholar Roscoe Pound once said that “{t}he social order rests upon the stability and predictability of conduct of which keeping promises is a large item.” Contract law deals with, among other things, the formation and keeping of promises (in Latin, pactia sunt servanda - “agreements shall be kept”). The law encourages competent parties to form contracts for lawful objectives. Promises that are considered to be contrary to public policy are legally void . If a promise goes against the interests of society as a whole, it will be invalidated.
RemCor Realty failed to comply with NRS 645 , NAC 645 and Title 18, United States Code, Section 1014 regarding Mortgage Fraud in their 8485 Mohawk Lane, Reno, NV 89506 transaction with the Hannemans. There are also elements of Realtor, Escrow Company and Investor Fraud, Coercion , Bad Faith , Conspiracy , Mail Fraud , Unconscionable , Promissory Estoppel (reliance to ones detriment), Unclean Hands , Unjust Enrichment , and Extortion . RemCor Realty and First American Title were unethical , grossly negligent and repeatedly dealt deceitfully with several parties to this real estate transaction willfully breaching their fiduciary duties to specifically the Hanneman and two lenders, the Hannemans lender, and the investor’s lender, in manner that is deceitful, fraudulent and dishonest. They failed to do their utmost to protect the public against fraud, misrepresentation and unethical practices related to real estate. There was Unequal Bargaining. There was never a contract as contract is void on the face of it. The contract should have been set aside as unconscionable and due to title/escrow company, escrow officer, real estate Broker’s, real estate agent’s and Dugan’s Unclean Hands and their practicing law without a license.

Collusion occurs when more than one person is involved in cooperation for a fraudulent purpose, here First American/Sher LeGault, RemCor, Zane and Scott & Feather Dugan engaged in mortgage fraud.

Fraud involves the intentional misrepresentation of the truth to deceive the owner, here the First American/Sher LeGault, RemCor, Zane and the Dugans intentional misrepresentation of the truth that the Dugans were buying the property with a lease-back rather than lending the Hannemans money in second position.

Larceny is the theft of assets with the intent to convert them into cash without the consent of the lawful owner. There was the theft of the Hanneman’s home, without their consent, by the Dugans, with the intentional assistance of RemCor Realty and First American Title. The Hanneman’s equity paid RemCor several thousands of dollars for RemCor’s illegally and unethically earned real estate commission and First American Title’s illegally earned fees.

Another result of the larceny was the unjust enrichment of RemCor, First American and the Dugans.

Consideration: Any promise made by parties must be supported by legally sufficient and bargained for consideration (something of value received or promised, such as money, to convince a person to make a deal). If a party is already bound by contract to perform a certain duty, that duty cannot serve as consideration for a second contract. The agreement is not enforceable because it is not supported by legally sufficient consideration. Buyers have a preexisting legal duty to complete the contract.

Fraudulent Misrepresentation: Fraud, a tort, affects the genuiness of the innocent party’s consent to the contract. The Hannemans, the innocent party can either rescind the contract and be restored to their original position, or enforce the contract and seek damages for any injuries resulting from the Dugan’s fraud. Relying on the fraud of the Dugans and their agent, the Hannemans were induced by the Dugans and their agent to make a contract with misrepresentations and therefor the contract is voidable by the Hannemans.

The Hannemans were injured. The misrepresentations of the Dugans through their agent is in words and actions and involved material facts involving concealment to the Dugan’s lender, the Hanneman’s lender, as well as concealment to the Hannemans. The Hannemans were not aware that is a material fact to conceal information to the Dugan’s lender or their lender. The agent, Alan Zane, and his Broker, Magi Bird, as purported professionals, did know via their required duties under their realty licenses under NRS 645 and their Realtor Code of Ethics.
The investors, Dugans, acted with intent to deceive. There was scienter or “guilty knowledge”. Scienter exists because the Dugans recklessly made statements in writing without whether it was true or false. In the Dugan’s misrepresentation, it is not necessary for the Hanneman’s to prove fault. The Hanneman’s must only prove that the Dugan’s misrepresentations were false, without regard to the Hanneman’s state of mind. The Hannemans, the deceived party, justifiably reliance on the misrepresentation of facts as made by them to their agent who was in a dual agency relationship with the Dugans and Hannemans.

The Hannemans did not know the true facts and had no way of finding them out beyond their agent. Therefor they were justified in relying on the statements of their real estate agent, Allan Zane. Mr. Zane though, had breached his fiduciary duties to his clients, the Hannemans, by not informing them. He also used his undue influence in his agency relationship arising out of the special circumstances of his clients, the Hannemans. The result was an unjust enrichment of Mr. Zane, his broker and the Dugan’s whom Mr. Zane and his broker were also representing in a dual agency relationship, and First American Title that Mr. Zane choose.

The Hannemans’ were under the undue influence of a persuasive nature of their real estate agent Alan Zane as well as duress as the Dugan’s assent to loan them money as it later turned out was not genuine. Mr. Zane and his broker, RemCor Realty, forced via intentional trickery, their clients, the Hannemans, to enter into a contract with their investors. The resulting contract exacted as the price by the RemCor thus created the need. That meets the definition of economic duress.

Because it was impossible for the Hannemans to obtain real estate and legal representation at the 11th hour, Mr. Zane threatened to withdraw his and his broker’s services and take his investors loan of their money elsewhere. That despicable tactic meant that the Hannemans were forced to sign the contract prepared by Mr. Zane or lose their home and damage their credit rating. Therefor there was no genuineness of assent by the Hannemans. The investors, Dugans, with the help of Mr. Zane and his Broker, RemCor Realty, had an overwhelming bargaining power. Put the way it was to the Hanneman’s, the Hannemans must agree to those terms or go without the services of RemCor.
This behavior by RemCor Realty created an adhesion contract between RemCor Realty and their clients, the Hannemans. The dominant part, RemCor Realty, presented to their client, the Hannemans, a contract with no opportunity for the Hannemans to negotiate. The result is the contract is unconscionable , and therefore unenforceable. First American Title meeting with the Hanneman’s on a Sunday, and their several escrow instructions amendments they prepared after conveyance, is prima facie evidence of the before lack of ability to negotiate by the Hannemans.

Legality: The contract’s purpose must be to accomplish some goal that is legal and not against public policy. Contracts that require a party, here the Hannemans, to commit a civil wrong, mortgage fraud, USC Title 18, a tort, are illegal.

Contrary to public policy: Contracts that require a party, here the Hannemans, to commit a civil wrong, mortgage fraud, USC Title 18, a tort, are contrary to public policy.

Detrimental reliance: The Hanneman’s justifiably relied on investor Dugan’s offer to loan money to their detriment therefor the Dugan’s promise is irrevocable. That is a classic example of Promissory Estoppel. Of course, once the performance is complete, a unilateral contract exists. In this case, performance was not complete.

Doctrine of unjust enrichment: Arose centuries ago in England, reflects the ethical considerations that justice should be done, even in the absence of a contractual cause of action.

Past considerations: Promises made with respect to events that have already taken place are unenforceable. Past consideration is no consideration.

Valid Contract: a valid contract that the elements necessary to entitle at least one of the parties to enforce it in court. In the Hanneman’s case, the alleged contract is not valid as it fails the legal purpose element. Therefore, the contract is void. Therefor, there was never any lawful authority for any eviction or trespass actions against the Hannemans.

Void: The purpose of the contract prepared by RemCor Realty was is illegal. Therefor the contract is void.

Voidable: Contracts entered into under fraudulent conditions are voidable at the option of the defrauded party. The Hannemans repeatedly exercised this legal option once brought to their attention. It was ignored.
In a unilateral contract, the contract comes into existence at the moment the promises are exchanged. Hence a unilateral contract is a “promise for an act.”

In violation of NRS 645.252, RemCor Realty was knowingly engaged in conduct in violation of their State of Nevada real estate license and failed to supervise their real estate agent Allan Zane. Mr. Zane acted as the Hanneman’s real estate agent and failed to disclose a soon as is practicable any material and relevant facts, data or information by which he knows, or which by the exercise of reasonable care and diligence he should have known, relating to the property which is the subject of the transaction; when he failed to disclose that he was acting for more than one party to the transaction and failed to exercise reasonable skill and care with respect to all the parties to the transaction.
In violation of NRS 645.300 that RemCor Realty was knowingly engaged in conduct in violation of their State of Nevada real estate license and failed to supervise Mr. Zane when Mr. Zane failed to give the Hanneman’s a copy of the contract he had prepared for me for the Mohawk property.

In violation of NRS 645.3205 that RemCor Realty was knowingly engaged in conduct in violation of their State of Nevada real estate license and failed to supervise Mr. Zane when Mr. Zane dealt with the Hannemans in a manner that was deceitful and dishonest for the Hannemans.

(Nevada Revised Statues) NRS 645 govern Nevada real estate licensees.
NRS 645.252 Duties of licensee acting as agent in real estate transaction. A licensee who acts as an agent in a real estate transaction:

1. Shall disclose to each party to the real estate transaction as soon as practicable:
(a) Any material and relevant facts, data or information which he knows, or which by exercise of reasonable care and diligence he should have known, relating to the property which is the subject of the transaction.

2. Shall exercise reasonable skill and care with respect to all parties to the real estate transaction.
NRS 645.315 Conditions and limitations on certain advertisements; required disclosures; prohibited acts.

1. In any advertisement through which a licensee offers to perform services for which a license is required pursuant to this chapter, the licensee shall:
(b) If the licensee is a real estate broker-salesman or real estate salesman, disclose the name of the brokerage with whom the licensee is associated.

2. If the licensee is a real estate broker-salesman or real estate salesman, the licensee shall not advertise solely under the licensee’s own name when acting in the capacity as a real estate broker-salesman or real estate salesman. All such advertising must be done under the direct supervision of and in the name of the brokerage with whom the licensee is associated.
NRS 645.635 Additional grounds for disciplinary action: Unprofessional and improper conduct relating to real estate transaction. The Commission may take action pursuant to NRS 645.630 against any person subject to the section who is guilty of:

5. Representing to any lender, guaranteeing agency or any other interested party, verbally or through the preparation of false documents, an amount in excess of the actual sales price of the real estate or terms differing from those actually agreed upon. (Emphasis added)
NRS 645.3205 Dealing with a party to real estate transaction in manner which is deceitful, fraudulent or dishonest prohibited. A licensee shall not deal with any party to a real estate transaction in a manner which is deceitful, fraudulent or dishonest. (Emphasis added)
NRS 633
(h) Gross negligence or incompetence in performing any act for which he is required to hold a license pursuant to this chapter.
(i) Any other conduct which constitutes deceitful, fraudulent or dishonest dealing.
NAC 645.605 Consideration in determining certain misconduct by licensee (NRS 645.050, 645.190, 645.633)

In determining whether a licensee has been guilty of gross negligence or incompetence under paragraph (h) of subsection 1 of NRS 645.633 or conduct which constitutes deceitful, fraudulent or dishonest dealing under paragraph (i) of that subsection, the Commission will consider, among other things, whether the licensee:
1. Has done his utmost to protect the public against fraud, misrepresentation or unethical practices related to real estate or time shares.
5. Has kept informed of current statues and regulations governing real estate, time shares and related fields in which he attempts to provide guidance.
6. Has breached his obligation of absolute fidelity to his principal’s interest or his obligations to deal fairly with all parties to a real estate transaction. (Emphasis added)
10. Has acquired knowledge of all material facts that are reasonably ascertainable and are of customary or express concern and has conveyed that knowledge to the parties to the real estate transaction.

NAC 645.610 Restrictions on advertising; use of name under which license is licensed. (NRS 645.050. 645.190)
1. In addition to satisfying the requirements set for in NRS 645.315:
(c) The name of the brokerage firm under which a real estate broker does business or with which a real estate broker-salesman or salesman is associated must be clearly identified with prominence in any advertisement.

Duties Owed By A Nevada Real Estate Licensee

Licensee’s Duties Owed to All Parties

A Nevada licensee shall:

1. Not deal with any party to a real estate transaction in a manner which is deceitful, fraudulent or dishonest.

2. Exercise reasonable skill and care with respect to all parties to the real estate transaction.

3. Disclose to each party to the real estate transaction as soon as practicable:

a. Any material and relevant facts, data or information which licensees knows, or with reasonable care and diligence the licensee should know, about the property.

4. Abide by all other duties, responsibilities and obligations required of the licensee in law or regulation.
Code of Ethics and Standards of Practice of the National Association of Realtors
In the interpretation of this obligation, REALTORS can take no safer guide that which has ben handed down through the centuries, embodied in the Golden Rule, “Whatsoever ye would that other should do to you, do ye even so to them.”

Duties to Clients and Customers

Article 2

REALTORS shall avoid exaggeration, misrepresentation, or concealment of pertinent facts relating to the property or the transaction. (Emphasis added)

Sources are the Washoe County public records, RemCor Realty house flyers, RemCor Realty course material from their classes taught at Reno-Sparks Association of Realtors, Title 18, United States Code, Section 1014, NRS 645, NAC 645, Realtor’s Code of Ethics, e-mails, letters, purchase contract, Hannemans, Wright & Hanson’s receptionist, Hanneman’s independent reviewer, Reno Justice Court public records, Washoe County District Court public records, Nevada State Supreme Court records, Wright & Hanson’s landlord, other tenants in their building, and Reno Police.

Heroes Among Us, Joannie Houk

“You weep, and weep, for nothing . . . and little by little . . . you begin to grieve.” Samuel Beckett, EndGame

I grieve for the heroes. They were put through hell, defamed and economically damaged, for refusing to do what they knew was wrong. Their unhappiness at the attacks upon them was enormous. * “Nothing is funnier than unhappiness, I grant you that.” Joannie Houk started the Reno Mortgage Division of Norwest Bank. Wells Fargo later took over Norwest. Ms. Houk was there for a combined 17 ½ years. She was a consistent Top Producer with a reputation for honesty. The climate of the Reno Wells Fargo Home mortgage changed when Rick Vaughan, Area Manager, and Beverly Stewart, Branch Manager, came on board. Ms. Stewart’s office was next to Mr. Vaughn. Next to her office was James Elvick, a sales manager. Next to his office was Mendy Elliott.

In 2003, Ms. Houk refused to do a home loan she knew was fraudulent. She had refused to do many previous fraudulent loans. This particular loan though, Ms. Houk later discovered was closed by Jill Blessing, another Home Mortgage Consultant in the same Wells Fargo office. Ms. Houk complained. Mr. Vaughan and Ms. Stewart then called her in. They told her, “protect the Realtors, your job is on the line, you’re just disgruntled, you’re the only one complaining.” At the time, Ms. Houk did not know that at least two other Wells Fargo loan officers and their sales manager were refusing to do mortgage fraud and getting the same treatment from Mr. Vaughan and Ms. Stewart. That was Ms. Vinson, Ms. Alexandra, and their manager Mr. Elvick. All were refusing to do mortgage fraud, and had been working for months with Wells Fargo Loan Fraud at the corporate level. In February 2004, Ms. Houk, still refusing to do mortgage fraud, and then not knowing about the other Heroes Among Us; Vinson, Alexandra and Elvick, left Wells Fargo.

Ms. Houk left Wells Fargo because she had long suspected, but now had proof, that Mr. Vaughan and Ms. Stewart knew about mortgage fraud in Mr. Vaughan’s region. Mr. Vaughan and Ms. Stewart encouraged mortgage fraud among their loan officers, and benefited by it. It was Mr. Vaughan’s and Ms. Stewart’s profitable for them EndGame at the expense of the inevitable destruction of our economy. The result is our now shattered community. It is believed that Mr. Vaughan was then earning around $800,000 a year and Ms. Stewart $450,000.

They were no different from vandals. The total for their willful destruction, and others that were then doing the same thing, is probably more than a billion dollars just in our community. Add up the certain results of this vandalism: the foreclosures, job losses, mental and physical health costs due to the stress, divorces, suicides, arsons, drop in home values, bankruptcies, drop in rents for landlords, drop or loss in income, miscarriages, increased domestic violence, more police calls, road rage, self-treatment with alcohol and drugs, less property taxes received by Washoe County, less sales taxes received by the State of Nevada, and on and on as we spiral down into this emerging depression.
That to me is economic terrorism, a threat to our Homeland. It is no different from the terror of 9-11 that brought down skyscrapers, murdered thousands and put the American economy on its knees. These local economic terrorists dragged our entire community to its knees. The toll in lives is unknown, as is the cost of the destruction.

Wells Fargo did not pay Ms. Houk her last $15k of commissions she had earned while there.
Sources are the Washoe County public records, Freddie Mac, Fannie Mae, HUD, VA; Title 18, United States Code, Section 1014, Reno Justice Court, and Washoe County District Court public records.

The home loan lenders created the Housing Crisis through obvious pandering. It’s time we called the home loan lenders what they became. They are economic terrorists. The lenders, not the borrowers have Unclean Hands. It is up to those lenders to fix the Housing Crisis. It is against public policy and unconscionable to throw people out of their homes because of lenders previous lending practices.

Permanent home loan forgiveness and permanent home interest rate reductions are the only answer. Note modifications would immediately put a floor on the collapse of housing prices. That would pull us out of this recession. The home loan lenders current practice of losing the full mortgage plus foreclosure costs only adds to the already bloated for sale inventory further driving down the home values and further destroying the American economy.

* Samuel Beckett, EndGame

Zeroes Among Us, Larry Grundy

“A company is only as good as its employees or subcontractors.”

This story came in from Mr. & Mrs. Chris Brown. Electrolux Vacuums is located at 2244 Oddie Blvd., Sparks, NV.

The Browns were an Electrolux vacuum owner for 27 years in San Rafael, California. In 2003, they retired to Reno’s Caughlin Ranch. They had “great service from Electrolux in California. Too bad the Reno, Nevada part of the Electrolux Company is inferior and doesn’t back up the Electrolux name,” said Mrs. Brown. That 27-year relationship was all gone when the Brown’s tried to get local service here. “A company is only as good as its employees or subcontractors. Mr. Larry Grundy is a jerk. He drives in such an aggressive manner that he is a danger to others. He mishandled our vacuum business, was lacking in manners, had an unprofessional attitude, and bungled his work. Mr. Grundy had no thoroughness in his service, no industry knowledge, poor customer service, poor communication skills, treated us rudely, and had an unprofessional personal appearance. All a continuing incomprehensible lack of customer service from this group of fools. These reasons are why we tell everyone we sold our Electrolux and went elsewhere with an in-wall vacuum system.” That comment was from Mr. Brown.

I also received a story from a UNR library patron, one Sherrie Rose, about her bad experience from a Ms. Grundy there. It also had to do with lack of appropriate customer service and poor attitude. I asked around and found out Larry Grundy is her father. Apple didn’t fall far from the tree there did it? Like father like daughter.