Mortgages Unlimited - Clinton Brooks - Mark One Apprasisal - Andraos G. Kattouah - Metropolitan Title - Amanda Chaskin Aka J & K Associates ripoff, scam, con artist, Frauds, liers and theives Warren, Lathrup Village, Woodhaven Michigan
8/12/2004
Clinton Brooks, the owner of Mortgages Unlimited, paid Mark One Appraisers to faslify the appraisel report for the property on Hull in Detroit, Michigan. Mark One is also a Travel Agency and a real estate company that Clinton uses when he goes on vacation.
The Mortgage Papers has my old address on it that I haven't lived at for a year, and my new address is on my Michigan State Identifcatation Card. Plus I changed my address with the U.S. Post Office. Why would I put any other address on any application. They also have the City of Highland Park as the city that the house is located in. It's not. Flagstar Bank, the Mortgage Company, that Mortgages Unlimited sold the loan to, doesn't have my address because Clinton put the incorrect address on the papers. Yet I gave him the correct one.
Rhonde LaGarde currently residing at 18401 Warrington, Detroit, Michigan 48221 is the seller of the house. Rhonde bought the house for $16,000. She had some doors and windows installed, rather poorly I might add.The doors have to be replaced because they are the wrong size. The windows..... they all have to come out because none of the wood frames were replaced.
Yet Mark One appraised it stating there was no evidence of functional obsolencence and all systems appear to be in working order. Plus a fenced back yard and Normal physical depreciation observed. $90,000 was the estimated apprasial value.
Clinton then made my loan application look alot better than it should. I was told by an employee of his, named Tamie, that I had $50,000 in a retirement account. I don't. I had $50.00 in my bank account at the most. He went and bought a cashier's check from Bank One for the downpayment on the house (in my name) I have never had that kind of money to put down on a house or anything else.
I bank at Navy Federal Credit Union, and have for the last 4 years. I have NEVER used a Bank One nor been to a bank one.
But that is where his bank account was. But I was told that he changed banks since then.
Then he proceeded to sell the loan to Flagstar Bank. Well to my understanding of 18 United States Code Section 1014: Whoever Knowingly makes any false statement or report...for the purpose of influencing in any way the action of...any institution the accounts of which are insured by the Federal Deposit Incurance Corporation, the Office of Thrift Supervision, any Federal home loan bank, the Federal Housing Finance Board, the Federal Deposit Insurance Corporation, the Resolution Trust Corporation, the Farm Credit System Insurance Corporation, or the National Credit Union Administration Board,...upon any application,...or loan,....shall be fined not more than $1,000,000 or inprisoned not more than 30 years or both. I hope he gets both!!
Rhonde told my domestic partner, Michelle, that she received no where near the $90,000 that the paperwork states that she should have received. She only got the fee she charges to to sell the house.
I also found out that I was supposed to provide insurance papers for the house at closing and I did not. I also called the insurance company that is on my paperwork, I don't have a policy number.
Statefarm is the Insurance Company. I spoke with Adam at Home office in the fire department. The phone number is 269-789-5000. He told me that they don't have a policy for me nor do they have one on the house and never have. They would not provide me with a letter stating that because they said it's trying to prove a negative.
When I talked to the title company they told me that they didn't do anything wrong by saying that I had State Farm insurance and not checking to see if there was a policy. Plus they only need a policy if the lender requires one. Flag Star does require one.
The house was also sold under a Warranty Deed. From Michelle's investigation into this matter, I have found out that means the house is ready to move in. Well it is in no way ready to move in. Plus Clinton has had someone entering the house to try to mask the damage to the house so that I can't say anything about it. Yet I have pictures and I have since then informed the police to watch the house. Plus I have changed the locks again.
This entire deal was constructed by Clinton Brooks. He told me that the only way that Flagstar would approve this loan from him was if the first two payments were made up front, and he would pay them. With him doing that I would not be entitled to the $8,000 that he told me I would get back from the purchase of this house. I would only get $6,400. I have not received any money. Nor has the loan broker on this deal.
(Marcus)
That $6,400 was to put carpet in and to paint the walls of the house. "That is all the house needs!!" says Clinton. He seen the house too.
Yet not even three days later when I told him that I wanted out of the deal he said "no." He also said," and I am not giving out any money either incase this deal goes sour. I would have to pay back all the money." He also said, "You don't have anything in writing do you? So I don't owe you anything."
He says that he made the two payments but Flagstar is asking me for it. Plus he will not take any of my calls. When I call his mortgage company they tell me to talk to thier lawyer. Yet they will not give me a name or number for them.
The house didn't have a city inspection done or any inspections done. Which is required in the City of Detroit. The discription that is given of the house is totally wrong. The house is a 4 bedroom 2 family. Not a 3 bedroom bungalow as the appraisal report says.
It will cost well over $70,000 to get the house up to code. On top of the mortgage that he got me knowing that I filed bankruptcy 2 years ago and can't do it again. If he could do this to me and Marcus, who was his friend for 16 years, I am positive that he would do it to anyone.
I had no idea that this whole thing was illegal or that he was coning me. This was brought to my attendtion by Michelle, whom Clinton told to shut her f***ing mouth about this or I could get in trouble for fraud. With that she contacted some attorneys that told her to report this to the Attorney General's office.
I have sent pictures of the house and a copy of the Appraisal report to Department of Labor & Economic Growth Bureau of Commercial Services Enforcement Division in Lansing.
Daniel
Plymouth, Michigan
U.S.A.
9 Updates & Rebuttals
Richard Mecca
Warren,Michigan,
U.S.A.
Richard Meccia, Rip Off
#10UPDATE Employee
Tue, September 18, 2007
Any Fool can make derogatory statements about another as indicated. Mr. Meccia has had up to 100 employees and only four were disgruntled. I know because was the operations manager and i can testify and no I no longer work there and have nothing to gain from this.
1. Walter and Joyce Hasket: employed with Mortgages Unlimited for several years absolutely no problem until they decided to stick Mortgages Unlimited with a $4,000 dollar bill and were found out and when they brought in a $6,000 check they left with only $2,000 they took the matter before the State of Michigan and also went to mediation court. They LOST on both.
2. James Craig: employed with Mortgages Unlimited several years no problems until he too tried to encumber the company and he fought to keep his job again a law suit was brought by Mr. Craig and it ended with him LOOSING
3. Dorina Moceri, without any authorization cashed well over $15,000 in company checks and kept the money only to be found out.
4. Clinton Brooks worked for the company about a years time managed to cut real estate deals (mortgages Unlmited is NOT in the Real Estate business) with greed mongers who thought they were getting a lions share of the profit when buying junk properties at high values and splitting the money. He bulked them and ruined a good company's reputation. The fools who acquired the properties should have LOOKED at what they were buying instead of crying later. How stupid can a contempt be.
Jay
Detroit,Michigan,
U.S.A.
Richard Meccia and Mortgages unlimited rip off there clients and there loan officers
#10UPDATE EX-employee responds
Mon, July 02, 2007
I worked as a loan officer at Mortgages unlimited and I know first hand Richard Meccia is a crook!!!!
I have information on the inner-workings of the "company" and of the "net branches"
Richard Meccia is a predatory lender in the city of Detroit where he can get away with it.
He preys on ignorant inner-city black home owners in crisis situations, Richard offers to buy out the current mortgage and then finances the home back to the owner in the form of a "LAND CONTRACT" that is imposable to repay...thus kicking out the family and selling or mortgaging the home for a huge profit.
If there are any law enforcement or lawyers that need first hand info please contact me at bereal313@yahoo.com
I am happy to help put Richard Meccia in jail for fraud!
I also have a list of loan officers that worked for Richard Meccia and were not payed and I am sure they have even more info on Richard and the Mortgage Unlimited team of crooks.
Daniel
Plymouth,Michigan,
U.S.A.
Appraiser Charged
#10Author of original report
Sat, February 25, 2006
The Attorney General of Michigan seen fit to call a hearing for the appraiser to answer for his false appraisal. I went, he didn't want to talk in front of me for fear it would be used against him in court.
He said he would submit a written statement back in January. He hasn't. So now it goes to a formal Hearing in front of a judge.
Y E A h!!!
Also the FBI is investigating Mortages Unlimited.
Heather
Indianapolis,Indiana,
U.S.A.
Further Education
#10Consumer Comment
Thu, October 14, 2004
I am very sorry that you were the victim of opportunity for this individual.
The only thing I do wish to share with you is concerning your misguidance on what a Warranty Deed is.
A warranty deed DOES NOT ensure that the home is "move-in ready". The warranty has nothing to do with the physical home warranties that may come with the house.
The warranty is refering to "warranties of title", which means that the seller is warranting that the property is being divested without title defect. This is not a home warranty, but a title warranty.
I hope that you are able to resolve this situation. Thank you.
Daniel
Plymouth,Michigan,
U.S.A.
President covering his butt
#10Author of original report
Fri, October 01, 2004
The Attorney General's office has the company registered as Clinton Brooks as the owner of the company.
The seller of the house got 2 checks at closing her's was for $43,000 and the other check issued in Clinton Brooks name was for the total of the $84,500. Mr. Brooks check was split 3 ways.
As for me noticing anything wrong with my loan application, that I signed at the closing for the house, I had no reason to look it over. I didn't think he would change everything on it.
I had no idea until your employee, Tammie said that I had 50k in a IRA account.
Flagstar provided me with a copy of the application. The only thing on the application that is correct is my name, birthdate,
and social security number. My address was even incorrect. The loan officer on the deal, was there with me at closing, didn't look over the application again when he signed it either. His information on the application was incorrect as well.
We provided Flagstar with the correct information, even with the original loan application.
I didn't know that this was a violation until Michelle started to investigate and ask questions.
As you say I bought investment property, yet the paperwork does not state that. And what about the insurance issue. You don't address that.
Plus the appraiser may not be on the company payroll but Mr. Brooks have used them before and he even used thier travel agency to go on vacation. I got this information from the loan officer that was Mr. Brooks friend for 16 years, and has went with him to the company in question.
I am positive that when they find out that every thing is being put on them, the truth will come out.
Truthfully yours,
Daniel
Plymouth,Michigan,
U.S.A.
President covering his but
#10Author of original report
Fri, October 01, 2004
I was not being greedy. I didn't find out this information until after I received a copy of the loan application from Flagstar. I also provided them with the correct information. Flagstar went and did their own appraisal of the house. I also have the seller and the loan agent on the deal that is willing to state that Clinton Brooks set the whole thing in motion.
The loan broker on the deal had seen the house that was the 3bd
bungalow that we were supposed to be getting and he even says that that is not the house that we were sold.
The seller even says that we are not the people Mr. Brooks sent to the house representing themselves as the buyers.
Also Mr. President... how do you explain that there is no insurance on the house???? Plus the fact that your company and Mr. Brooks company split $50,000, and the company is registered as Clinton Brooks being the owner.
Richard Meccia
Warren,Michigan,
U.S.A.
prepetrators... Both Clinton Brooks, Mr. Daniel are being investigated and ensuing legal action is forthwith.
#10REBUTTAL Owner of company
Wed, September 29, 2004
Prior to our imperative legal action as well the dismissal of Mr. Clinton Brooks for breach of contract and misrepresentation; I asked him to explain the events and circumstances which led to this action.
Mr. daniel appears to be a victim of his own disgruntled greed. My name is Richard Meccia and I amthe owner of Mortgages Unlimited.
Up to, and at any time during the Closing of his loan, Mr. Daniel could have backed out of this deal! He didn't! In his statement it appears that Mr. Daniel makes the situation look as if he was a victim. He's not a victim as he projected! He's a person of contempt looking to make a fast buck. What did he have to lose? No money down, No closing costs, and cash back on a property he chose not to see until after the closing?
If Mr. daniel noted that his information on his application was incorrect then Why did he sign the Closing Documents? It appears he knew it was a violation, yet he chose to sign anyway in fact he even cited the violation.
This act of gluttony between Clinton Brooks and Mr. daniel backfired when the prearranged monies from the acquisition did not disburse as allegedly agreed. Mr. daniel purchased an investmenty property sight unseen. The licensed appraiser who was not on our Company approved list noted no obsolesce. The appraisal was reviewed by the investers underwrited and was approved.
If anyone was wronged, it was the underwriter at Flagstar whose remedy is to the appraiser who is bonded for isssuing a supposed erroneous appraisal and the Company.
Both Clinton Brooks, Mr. Daniel are being investigated and ensuing legal action is forthwith.
Sincerely,
President, Mortgages Unlimited
Richard Meccia
Warren,Michigan,
U.S.A.
prepetrators... Both Clinton Brooks, Mr. Daniel are being investigated and ensuing legal action is forthwith.
#10REBUTTAL Owner of company
Wed, September 29, 2004
Prior to our imperative legal action as well the dismissal of Mr. Clinton Brooks for breach of contract and misrepresentation; I asked him to explain the events and circumstances which led to this action.
Mr. daniel appears to be a victim of his own disgruntled greed. My name is Richard Meccia and I amthe owner of Mortgages Unlimited.
Up to, and at any time during the Closing of his loan, Mr. Daniel could have backed out of this deal! He didn't! In his statement it appears that Mr. Daniel makes the situation look as if he was a victim. He's not a victim as he projected! He's a person of contempt looking to make a fast buck. What did he have to lose? No money down, No closing costs, and cash back on a property he chose not to see until after the closing?
If Mr. daniel noted that his information on his application was incorrect then Why did he sign the Closing Documents? It appears he knew it was a violation, yet he chose to sign anyway in fact he even cited the violation.
This act of gluttony between Clinton Brooks and Mr. daniel backfired when the prearranged monies from the acquisition did not disburse as allegedly agreed. Mr. daniel purchased an investmenty property sight unseen. The licensed appraiser who was not on our Company approved list noted no obsolesce. The appraisal was reviewed by the investers underwrited and was approved.
If anyone was wronged, it was the underwriter at Flagstar whose remedy is to the appraiser who is bonded for isssuing a supposed erroneous appraisal and the Company.
Both Clinton Brooks, Mr. Daniel are being investigated and ensuing legal action is forthwith.
Sincerely,
President, Mortgages Unlimited
Skip
West Palm Beach,Florida,
U.S.A.
You Were Sold a Flip
#10Consumer Comment
Thu, August 19, 2004
From the description in your post, you were sold a house that was purchased for peanuts and flipped to you as part of a fraudulent loan.
It sounds like the mortgage broker put you in a conventional 80/20 loan but he actually supplied the 20% down on paper by bringing a cashiers check to the closing. It also sounds like your application was manufactured to make you a better borrower so you really would qualify.
A couple of questions: Did you receive copies of every document you signed at the closing? You should have and if not, call the attorney or title company who handled the closing and get copies of every document. That would include a typed copy of your original application. That document is geberally part of the closing package.
Do you have a copy of the appraisal for the property? It will have the name of the person who performed the appraisal as well as the supervising appraiser. Somewhere is your state is a licensing authority for appraisers.
Have you contacted the department or board in your state that licenses mortgage brokers? You can file a complaint there.
Is your loan a conforming loan that is actually owned by Fannie Mae or Freddie Mac? If it is, your broker could be charged with falsifying a document used in a federally funded motrgage transaction.
This sounds like a lot of work for you, but it could result in your loan being rescinded and even loss of license or worse for the people who put together all the paperwork.
Good luck