March Hathaway Duke Archives

Minnesota Financial Crimes Task Force Dropping Mortgage Fraud from Menu

Not sure how we missed this gem from Jennifer Bjorhus last week (we’ll blame the Pioneer Press RSS feed): As for the Minnesota Financial Crimes Task Force, its 17-member oversight council in January instructed the group to shut the door on mortgage fraud, saying the cases were so time-consuming they threatened to overwhelm the group. Chris Omodt, a Hennepin County Sheriff’s lieutenant who heads the task force, said he thinks crimes will go unchecked, but acknowledges it doesn’t have the resources This means that unless a new Minnesota task force is created to specifically tackle mortgage fraud, all of the heavy lifting will be done by the (also overwhelmed) Federal Investigators working locally. This in a state that is in the top ten nationally for mortgage fraud.

Real Estate Agent Admits Scheme

Michael John Sorensen, Jr., 40, Anchorage, Alaska, pleaded guilty to wire fraud associated with kickbacks he received from home sales in Anchorage, Alaska.  In connection with the guilty plea, Assistant United States Attorney Retta Randall advis…

California Mortgage Fraud Task Force Established

In recent months, an Eastern District of California Mortgage Fraud Task Force has been established. This action was taken as a result of the significant increase in reported mortgage fraud as economic conditions and the housing market have worsened. Me…

Index Fever: Behind The Home Sales Headlines

With Today’s release of the Case-Schiller home price index showing record declines, and the new OFHEO Monthly Index (PDF!) hitting the street, it is appropriate to point out a fact the we’ve discussed before: There is no such thing as a “National” real estate market. Or, put another way: National real estate statistics don’t necessarily have any meaning or import for our local market, and as we’ve explained before, even the idea that there is a homogenous “Twin Cities” real estate market is misleading. For instance, we know from last week’s post that Twin Cities Home Prices declined 12.5% in February, but if we drill down further into the data, you’ll find some surprising variation. In Minneapolis, comparing February 2008 with February 2007, the Average Sales Price declined 19.4%. Within that figure, however: Longfellow average sales price declined 37.2% Northeast Minneapolis average sales price increased by 7.6% Get outside of Minneapolis into the suburbs, and there is a similar story: Edina’s average sales price swelled by 14.1% Minnetonka’s average increased by 26.2% Saint Louis Park’s average sales price decreased by 2.7% Golden Valley’s Average Sales price declined by 19.7% Now, the above numbers can be skewed by sample size (in Minnetonka, there were only 21 closed sales in February, Saint Louis Park only closed 34) and seasonal variations, so this data may speak to how little real estate activity there actually is, as much as it describes the hyper-local nature of real estate price fluctuations. But you get the point. Anyway, the preceding paragraphs are a very long segue into this point: Take any headlines relating to the real estate market with a dose of salt, and consider your source, and read the full content critically. Yesterday’s existing home sales report is a prime example. Let’s look at a few headlines: Existing Home Sales Post Surprise Rise [Rueters] Existing Homes Sales in US Unexpectedly Increased [Bloomberg] Home Resales Pick Up [NYT] Headlines like that might lead the casual observer to conclude that the worst is behind us, and the real estate market is on the mend. But a deeper look at the underlying factors might lead to a different conclusion: The reported 2.9% rise in home sales only represents a rise in February as compared to January - two notoriously slow real estate months subject to a lot of seasonal statistical “noise,” weather, etc. Compared to February of last year, February 08 home sales have declined 23.8% Inventory remains elevated, and prices continue to decline precipitously in many areas. Does not present quite the same rosy picture, does it? Believe us when we say we are as anxious as the next person for a return to a normal, balanced real estate market - and since these decisions are almost never made on the basis of price alone, even now there remain many good reasons to buy. Just be sure to dig deeper than headlines and National AP articles if you want to take the pulse of your hood. Data and Stats Courtesy of The 100, By MAAR [mpslrealtor.org]

Operation Homewrecker Nets 19 Indictments

19 individuals were indicted for mortgage fraud-related offenses under Operation Homewrecker. The leader of this nationwide scam is Charles Head, 33, Los Angeles, California, who targeted homeowners in dire financial straits, fraudulently obtaining tit…

3 Arrested In Straw Borrower Scheme

Maria Santa, 33; Virgil Santa, 35; and Candit Sava, Jr., 26, all of Sacramento, California, were arrested on charges of mortgage fraud. A criminal Complaint was filed in federal court against the three defendants on March 17, 2008. The complaint alle…

Dorean Group Principals Are Sentenced

Dale Scott Heineman, 48, Union City, California was sentenced by U.S. District Court Judge William Alsup to a prison term of 21 years, eight months and Kurt F. Johnson, 45, Sunnyvale, California to a 25-year term after a jury convicted them in November…

Monday Market Commentary

Last Week: A bailout of Bear Stearns, stock volatility, a .75% rate cut by the Fed, hotter than expected wholesale inflation, and easing of capital restraints on Fannie and Freddie combined the send mortgage rates on another roller-coaster last week. But the good news is that by the time bond markets closed early on Thursday, fixed rate conforming mortgages managed a quarter-point improvement. This Week: Early in the week, a raft of housing data is on the economic calendar. Existing home sales, the Case-Schiller home price index, and new home sales, print on Monday, Tuesday, and Wednesday, respectively. On Friday, we’ll get a glimpse of perhaps the most important data point of the week, the PCE, or personal consumption expenditures index, which is a key yardstick for inflation at the consumer level. A hotter than expected reading here could send rates higher. All of this is set against the backdrop of the fragile financial markets. Have recent Fed actions been enough to restore stability, or are we just waiting for the next body to float to the surface? Movements in the dollar, and in mortgage-backed securities (improvements in either may signal renewed investor confidence) may just hold the answer to that question. A tame read of inflation via the PCE and renewed buy-side interest in mortgage backed securities would help mortgage interest rates this week. What else would help? No more financial market mayhem and meltdown. For up to the minute news on mortgage rates and the factors that drive them, don’t forget to subscribe to BTM Ratewatch via Twitter.

Man Admits Role in Defrauding Mortgage Company

Michael Umali, 38, a.k.a.”Khadafi,” pleaded guilty before New Jersey US District Judge Noel L. Hillman to one count each of conspiracy to launder money and money laundering. Umali’s co-defendant Reginald Greene, 47, a.k.a. ”Amin,” who was…

Former NFL Player Arrested For Wire Fraud

Reed Kyle Diehl, 29, Coto de Caza, California, was arrested without incident by special agents of the Federal Bureau of Investigation. The arrest was pursuant to a complaint filed in United States District Court in Santa Ana, California that charges Di…