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Documentation of

Homeowner Association
MORTGAGE & FORECLOSURE
FRAUD AND EMBEZZLEMENT

including, but not limited to:

premeditated systematic foreclosures of FHA insured loans,


Asset-Backed Securities Trusts, triple foreclosures, unassigned Note holders
shell corporations, falsified audits, missing bank accounts
income tax evasion and the Cayman Islands

Title 18 Section 1961(4) and Title 21 Section 848(c) (2)


A large scale, white collar, organized enterprise
documented in public records and published financial statements

fraud of:

The Secretary of Housing and Urban Development


Georgia, Oklahoma, Tennessee, Texas & Washington, D.C.

The Secretary of Veteran Affairs


Decatur, GA

fraud in the name of the:


Federal National Mortgage Association

centered in
North Carolina, South Carolina & Georgia
including, but not limited to:
California, Florida, Georgia, New Jersey, Ohio, Oklahoma, Tennessee,
Texas, Virginia and Washington D.C.
ACKNOWLEDGEMENTS

A special thank you to:

faculty and students at North Carolinas

Wake Forest University

&

Duke University

who continue to give their time, assistance and guidance.

Thank you to the HOA members, three certified public accountants,


three real estate professionals, two computer security specialists,
and the dozens of good caring citizens from New York to California
that continue to assist and support the research and documentation
on behalf of thousands of unknowing HOA victims
and the U.S. taxpayer.

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PREFACE

In January 2015, the research for this report began in earnest at Sherwood West
Association, Inc. in Winston-Salem, NC. The association is a 45-year old non-
profit corporation.

In the countys Register of Deeds public records, it was discovered that the
association had foreclosed on a unit 2012 and sold the unit in 2013. The
income was missing and the expenses paid from association funds unreimbursed.

Board of Director Member(s), the property management company and association


attorneys involvement is well documented.

All parties refused access to inspect the associations books and records as
permitted by the bylaws and two (2) General Statutes.

The circumstances, details and documentation


can be found under Error: Reference source not found beginning on page Error:
Reference source not found

In this document, the terms HOA and


Association are interchangeable. However,
these terms will generally refer to the entity used
for fraudulent purposes to achieve personal gain.
The HOA/Association is in name only not a
legitimate non-profit corporation.

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AVERAGES
Method:
ASSET-BACK SECURITITES TRUSTS

One of the more common methods use for


unencumbered property acquisition.

Note the time interval averages and


the purported last and highest bid at the Substitute Trustee foreclosure

Details and documents of this foreclosure begin on page Error: Reference source not found

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Cross-reference:
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T ABLE OF CONTENTS
INTRODUCTION 8
Report Summary................................................................................................................. 9
Overview........................................................................................................................... 10
NC House Bill 331............................................................................................................. 13

REPORT FOCUS 16
The HOA DEED.................................................................................................................. 17
Premeditated HUD Assignments....................................................................................... 29
Wells Fargo Bank - Ft. Mill, SC........................................................................................... 41

OVERLAPPING METHODS 51

FORSYTH COUNTY 15 CVD 2202 64

HOA DEED DOCUMENTATION 69


North Carolina Documentation.......................................................................................... 70
South Carolina Documentation......................................................................................... 87

HOAS & PROPERTY MANAGEMENT COMPANIES 90


Business Corporation Registrations................................................................................ 101
Registered Agents........................................................................................................... 108
Sherwood West Association, Inc...................................................................................... 118

NOTABLE NAMES 130


HOA Attorneys................................................................................................................ 133
Attorney-In-Fact.............................................................................................................. 149
Substitute Trustees......................................................................................................... 159

PUBLIC RECORDS 178

FORECLOSURE DATA 192

HOA DEED PRICE 200


Timeline.......................................................................................................................... 201
Madeline Burdon............................................................................................................. 205

DOVER VILLAS 207


Marlita Randolph............................................................................................................. 209
Rodney Ratlif.................................................................................................................. 222

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Ebony Ramsey................................................................................................................ 238
Kimatia Mittman.............................................................................................................. 252
Kenyun D. & Mia Lawson................................................................................................. 259

NEW UNASSIGNED NOTE HOLDER 282


Deitra Dobbins................................................................................................................ 283
Chaka Kahn Singletary.................................................................................................... 292
Jonathan & Patrice A. Cassell.......................................................................................... 299
Patricia Cassell................................................................................................................ 316

ASSET-BACKED SECURITIES TRUSTS 325


James & Lona Brim.......................................................................................................... 326
Lavelle C. Phyall & Melissa Robinson.............................................................................. 345
Dzemal & Djulsa Hasic.................................................................................................... 364
David A. & Pricilla Willis.................................................................................................. 381
Steven R. Campbell, Sr.................................................................................................... 386
Brian Tunque................................................................................................................... 398
Tameka & Rodney Evans................................................................................................. 402
Terrell M. & Andrea H. King............................................................................................. 420
Joyce Hall & Dione Hall................................................................................................... 439
Brian & Carrie Bottomly.................................................................................................. 447

JUNIOR / SENIOR SWITCH 461


Joshua & Amber C. Moyer............................................................................................... 462
Lucy A. Williams.............................................................................................................. 472
Taneka & Raymond Evans............................................................................................... 493

POST-FORECLOSURE SALE BY OWNER516


Alteric & Angela Dunston................................................................................................ 527
Jason Sexton................................................................................................................... 539
Heywood Spruitt, Jr......................................................................................................... 556

DIRECT OWNER BENEFIT 561


Andrew Diehl................................................................................................................... 562
Louis C. Mosley............................................................................................................... 566
Darlene Gidron................................................................................................................ 568
Raymond & Sherry Reitzel.............................................................................................. 572
Kenneth O. McHam, Jr. Oak Meadows HOA...................................................................575
Jennifer L. Bodine............................................................................................................ 595

SUBSTITUTE TRUSTEE FORECLOSURES 615


Jefrey & Sarah Vance..................................................................................................... 616
Anthony J. & Tonee M. Craft............................................................................................ 622
Colin J. & Tanika D. Harris................................................................................................ 636

TRIPLE FORECLOSURES 639


Felicia A. Ingram............................................................................................................. 640

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Rosa Colon & Rene Cisneros........................................................................................... 661

MODIFICATION / HUD SUBORDINATION 666


Linda M. Nunally............................................................................................................. 667
Kristen G. Pittman........................................................................................................... 687
Clarence J. Bryant........................................................................................................... 701

OTHER 708
Stephanie Dunmore........................................................................................................ 709
Crystal D. Little............................................................................................................... 716
Javier B. Chala................................................................................................................. 736
Robert L. Andrews........................................................................................................... 754

HOA FORECLOSURE RENTALS 761

HOA UNIT OWNERSHIP 766


Maurice S. Thompson...................................................................................................... 767
Jacob R. Marion............................................................................................................... 770
Mika Gardner.................................................................................................................. 771

HOA LONG-TERM RENTALS 773

ADDITIONAL INFORMATION 778


Association Management Group..................................................................................... 779
Vanessa J. Burgess.......................................................................................................... 785
Rossabi Black & Slaughter, P.A........................................................................................ 792
Lawsuit............................................................................................................................ 796

AUTHORITIES, POLITICS & MONEY 800

SHERWOOD WEST ASSOCIATION INC. 810


Foreclosure Theft............................................................................................................ 812

CONCLUSION 828

APPENDIX 829
Appendix A 2013 NC General Statute 47F....................................................................830
Appendix B - Forsyth County 15 CVD 2202.....................................................................839
Appendix C Chase Home Finance, LLC.........................................................................855

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