Loans tailored for property not humans

50 yr. Fixed Rate Mortgage

Loans that permit Negative Amortization

Increasing Rate Mortgages
that never go lower

Underwriting Guidelines

- Death to income ratio

- Loan to venial ratio

a test of faith

Entry for November 8, 2006

fortes in fide

"I give you a new commandment, love one another. Just as I have loved you, you also must love one another. By this love you have for one another, everyone will know that you are my disciples." [Jn 13:34 ff]


The real meaning of the Ateneo will forever remain embedded as a foundation built by Divine guidance from a dedicated Jesuit Mission answering Gods call. They have prepared all of us to receive the light of our summon which we embrace with utmost appreciation to be of service to all those in need.Our life turns into prayer from following in Christ footsteps. Unfaltering in the face of darkness strongest in the the midst of deceit, then exemplified, as we reach out to all the nameless, faceless, hurting children of God. We bring them out of the ash heap and share our light guiding them to recovery in devotion to our Faith now tempered even stronger from the blessings of the lost that they shall have found.

God bless you all,

Robert A. Tapia

ADDUHS batch82

Days with the Lord Batch49

The deepening vortex of our economy

The Analytics of Loss Causation

I. a material misrepresentation (or omission)

II. scienter, i.e. wrongful state of mind:

III. a connection with the purchase or sale of a security,

i.e. mortgage backed security

IV. reliance, often referred to in cases involving public

securities markets (fraud-on-the-market)

V. economic loss; and

VI. "loss causation" i.e. a casual connection between the

material misrepresentation and the loss.

With progress barreling down on us racing alongside is something we must STOP before it blindsides us with:

- Undue taxation from this revelation of a relevant truth

- Insults to our society

- Mockery of the United States Constitution

- Billions more spent on a Headline that could have been eliminated had it not been for neglect, or conflict of interest.

Top 10 reasons Why Curbing Mortgage Fraud is more difficult than Demolishing another Country:

1. The lack of Funding for Local Enforcement. Did they spend it all on war efforts?

2. "Because the borrower signed" they are stupid - common consensus amongst individuals with conflict of interest.

3. "Yes the Emperor has new clothes". Homes that are worth what they originally were are now 308% since 2004. A transaction we found used as a comparable transacted for $1,500,000.00 in Littlerock, Ca.93543 An unincorporated area where 20% of the population live below the poverty level. And commuting to a meager job would take a minimum 65 miles one way.

4. #3 was already good for 4, 5 and 6

7. Eminent Domain's exercise of securing properties in preparation for the High Desert Corridors (HDC) SR-138 Expansion is now the new standard for Appraisal and Loan Underwriting Guidelines exemplified in the above aforementioned zip code. What exit did they dump Due Diligence?

8. #7 is worth 3 points covering 8,9 and 10.

These people are waiving the RED FLAGS and smiling.

Most concerned,

Robert Tapia

Consumer Advocate

Avenue S Mortgage Document Auditing, Inc. Ca. Lic.

avenues.lendinghand@gmail.com

The Emperor's New Clothes

$355,000.00 - $535,000.00

Premium Properties

Welcome to Littlerock, Ca. an unincorporated area in the Los Angeles County portion of the eastern Antelope Valley in Southern California. Historically the area within the Antelope Valley where African-Americans were redlined into buying real estate until the passage of fair housing and nondiscrimination laws in the 1960s.

Presently experiencing a Real Estate boom. The "Beverly Hills" of the Antelope Valley.

http://www.trulia.com/home_values/for_sale/CA/Littlerock/93543/1025196582/

Per capita income of $15,000.00, 20% living below the poverty level, justifies Million dollar homes. Guys, this is the fun I have, everyone is invited to join the festivities. Their Emperor has just arrived with a new set of duds...

Duds he shall have wished he had when he gets to spend time in San Quentin as the Queen bee wearing stripes!!!

Simplified solution for a complex problem- Mortgage Fruad

iPss- Intercative Problem Solving System, derived form 42 United States Code Section 3614-1.

Whereby a third party is utilized to confirm the existence of an error and when discovered, rectified or immediate action taken to achieve resolution by the party that originated such error. And results are brought out not by the originating party but that of the recipient of that corrected error.

Stop Mortgage Fruad and Predatory Lending starts with US!!!

Mortgage lenders/brokers who unconscienciously prey on us do so because we allow them. Now, the problem has escalated into a 4 Billion Dollar loss that is dissipated into the Economy and covered in full by all the honest and hard working taxpayers.