Who Are Mortgage Fraud Victims?

Every home owner is a mortgage fraud victim. One of the most incredible aspects of this whole mortgage fraud debacle is the fact that some of the very people who are participants in this fraud are victims as well. How many bank employees, judges, court clerks, lawyers, process servers, sheriffs, and others have mortgages? How many of the people who work in law offices, courthouses, sheriff departments, and other entities that are directly involved in this fraud have been fraudulently foreclosed on themselves? How many people in our military, law enforcement, firefighting, and medical fields have lost their homes to this mortgage fraud? How many of your friends or neighbors have lost their homes to these fraudulent home foreclosures? Everyone who has a mortgage is a VICTIM of this fraud, but some of the most honest, trusting, hardest working, and most dedicated people in this country have been the biggest victims. Are you a mortgage fraud victim?

Who are those who have been the major beneficiaries of this massive Fraud? Those with the "superior knowledge" that enables them to take advantage of your ignorance of the law to deceive you by "studied concealment or misrepresentation". This group of mortgage beneficiaries includes many on Wall Street, large investors, and most notoriously, the mortgage lenders and bankers at the top and the lawyers and Judges who work so hard to enhance their profits and protect the Fraud by these beneficiaries from being exposed.

The time has now come to make those having superior knowledge who HAS taken advantage of your ignorance of the law to deceive you, by studied concealment or misrepresentation, to be held responsible for that fraudulent and illegal conduct. It is THE LAW and it is time that the courts and law enforcement officials to enforce it starting with the criminal aspect of the mortgage fraud under both State and Federal Laws! Under the doctrine of "Respondent Superior" the people at the top of these organizations are responsible for the actions of those in their employ. That is where the investigations and arrests need to start... the bank CEOs, Lender presidents, title companies, closing attorneys, to name just a few.

What is it going to take to put a stop mortgage fraud and destruction of this country and the lives of the people who live here? It is going to take an uprising of the people of this country, as a whole, to finally say that you have had enough. The information presented here is but one part of the beginning of that uprising and the beginning of the end of the Mortgage Fraud upon the American people.

The obvious evidence supports the fact that Mortgage Fraud is running rampant in the United States. You now know the story and can no longer say you are totally uninformed about this subject. This is only an outline of what needs to, and will, become common knowledge to the people and law enforcement agencies in this country. If you are in law enforcement it is YOUR DUTY to take what you have been given here and move forward with your own intense investigation and root out the Mortgage Fraud and stop the theft of people's homes, including yours. Your failure to do so would make you an accessory to the fraud through your inaction now that you have been noticed of what is occurring.

If you are an attorney and receive this information it would do you well to take it to heart, and understand there is no place for your participation in this Mortgage Fraud and if you participate you will likely become liable for substantial damages, if not more severe consequences such as prison. If you are in the judiciary you would do well to start following the letter of the law if you haven't been, and start making ALL of those in your Court do likewise, lest you find yourself looking for employment as so many others are, if you are not incarcerated as a result of your participation in the fraud.

If you are a bank or a mortgage lender, when home owners learn the truth about what you have done to them, just expect to see retaliation for what you have done. People are going to want to see those who defrauded them brought to justice. These are very simple observations and the study of human behavior shows us that when you find out you have been defrauded in such a grand manner as this, you tend to become rather angry and search for those who perpetrated the fraud upon you. The foreclosure lawyers and the bankers will be standing clearly in the mortgage fraud victims' sights.

Straw Man Slave Law HJR 192

Already we are losing the battle to other major world powers, especially China and England, which are fortunate, because we have strong diplomacy with these countries which hold most of our outstanding debt and GOLD, that the United States corporation of America, then President Roosevelt, gave China and England with the passing of the House Joint Resolution 192 of June 5, 1933 that put each and every one of us as debt instruments, numbers that pay the United States Corporate debt. HJR 192 was passed to suspend the gold standard and abrogate the gold clause in the national constitution and to allow a private foreign corporation, the Federal Reserve, to print worthless pieces of paper called notes that are printed by the Federal Reserve at 1.9 cent each to pass as actual money. Since then no one in America has been able to lawfully pay a debt, because we are the debtors and the foreign banks are the rulers of our society.

House Joint Resolution 192, 73d Congress, Sess. I, Ch. 48, June 5, 1933 (Public Law No. 10 ) Note: "... payment of debt" is now against Congressional and "public policy" and henceforth, "Every obligation... Shall be discharged... "

To me this means that the Mortgage ForeclosureNote and Mortgage Lien itself shall be discharged under the words "Every obligation... ", doesn't it to YOU?

As a result of HJR 192, and from that day forward (June 5, 1933), no one in this nation has been able to lawfully pay a debt or lawfully own anything. The only thing one can do is tender in transfer of debts, with the debt being perpetual.

You may think that you own your home and your car, truck, boat, RV, Motorcycle whether you have paid everything you think loaned to you for it or not... but who holds the title, the pink slip?

You paying your Property Taxes, prove that your City or County owns your home and the State owns your automobile, etc., because you just have a copy of what you think you paid for.

The suspension of the gold standard, and prohibition against paying debts, removed the substance for our common law to operate on, and created a void as far as the law is concerned. Did you know that Common Law supersedes Federal or State Law? Well, IT DOES!

HJR 192 states that one cannot demand a certain form of currency that they want to receive if it is dollar for dollar. The Constitution of the United States of America, Articles 8 and 10 state that the only legal currency are Gold or Silver coins or paper money backed by Gold or Silver as Natural Elements of the God-made World.

If you review the Modern Money Mechanics, a Federal Reserve Bank Publication, you will discover that all modern currency is your credit and worthless paper passing off as money! In other words, your debt signature. The Federal Reserve calls it Monetized Debt such as the Mortgage Foreclosure Notes.

Note: Mortgage Foreclosure Notes will always need strict oversight to ensure that fair practices are observed, and no Counterfeited Mortgage Foreclosure Notes are allowed in our court system, not just for the customers who need these services, but for our entire population of men and women; our economic future; and the future of our nation.

This substance was replaced with a "PUBLIC NATIONAL CREDIT SYSTEM" where debt is assumed "LEGAL TENDER" money from the Federal Reserve Banks Private Foreign Corporations who control the American Citizens like puppets on a string for the benefit of the Private Corporation known as the United States.

Should Youngsters Opt for Homeownership?

The previous years have shown us that prices in real estate do not always move upwards. As a result, you should never assume that investing in property will always yield dividends and equity. Instead, you should conduct real estate dealing based on your personal and financial situation.

So should you buy property as a youngster? As with a host of other questions, it depends on a variety of factors. However, for most youngsters, it is probably a no. Here are the reasons why homeownership at a young age might not be a wise decision.

Long Term Investment

Real estate as an investment is usually taken up in order to gather wealth. However, it only yields significant profits after a long period of time, such as a decade or more. Young people are more short-sighted and impulsive. If you are not sure that you are going to hold on to the property for a long period of time, you might be better off investing your money elsewhere. There are a myriad of reasons why youngsters might not be able to hold on to the property for long.

· Still Settling in Career:

Youngsters today are very mobile. They are never sure of whether they will be in the same area for more than a year or two. They might undergo a career change, switch jobs, undergo transfers, go back to university, etc. In such a scenario, they might often be required to sell off property because they have to move away. If this is the case, they might end up losing money, rather than gaining wealth through real estate ownership.

· Affordability:

Often, youngsters do not have enough resources to afford a place they actually like. However, they might buy in anticipation of future gains. While they might be able to trade up to a better property in a few years, they are likely to lose out on equity. The steep costs of transaction will eat up any probable profits. It is better to save towards buying a really good house for a few years, and then buy it when you have the resources.

· Unsure of Life Plans:

After school, most youngsters find a job and work for a few months or a few years. Then they decide that they wish to move around the world and experience a different place. If they have already bought a house, not only would they be hindered by it, but they might even lose money if they sell it.

Thus, youngsters who are not sure of their plans for the next 5 to 10 years are probably better off investing elsewhere. However, if they are sure that they can hold on to the property for long enough, homeownership might be the perfect investment for them.

They need to ensure that they can make all the payments in addition to their usual bills. If they are looking to jump into the landlord business, and if they plan to rent out their private property at some point, buying when young might be a smart move after all.

Conducting A 'Walk Through' With Your Home Builder

When your brand new home is almost complete and ready to move into, your excitement can often lead you to overlook or miss problems with the construction. Before hand over, you will be required to conduct a 'walk through' with your home builder to ensure that everything is according to your plan and the contract you have signed.

Check that windows are square and tightly fitting. They should have weather stripping and flawless glass.
Use a pair of binoculars to scan the roof for flat, tight shingles. You should also check out the gutters and downspouts.
Check that the ground has proper grading; it should slope away from the foundations with no serious erosion.
Turn on all of the faucets to determine that hot and cold are on the correct sides. Also check that water drains quickly.
Test all of the electrical outlets (a hairdryer is handy for this), garage door openers and doorbells to see that they work.
Check the carpet in each room for matching seams and check for ridges in vinyl or laminate flooring.
Open and close all windows and doors; they should provide a good seal when closed and not bind.


Whilst conducting a walk through with your home builder may seem a little stressful - they will be watching you like a hawk to make sure that there are no issues - it is an important part of the hand over process. If you are wary or nervous about missing something, take along a checklist with you to ensure that you scrutinize every aspect.

Cape Coral Foreclosures: A Top Preference

Being asked why Cape Coral foreclosures are preferred by investors and house hunters alike is quite baffling. The better question to ask would be "What's not to like about Cape Coral foreclosures?" Let's take a look at what they have to offer.

Cape Coral boasts of 335 continuous sunny days per year. Anyone who's into outdoor activities will definitely love living in a place of perpetual sunshine. Even retirees who are quite content to simply sit around and soak in all that sunshine will appreciate the unending good weather that can be found at Cape Coral.

The place is also surrounded by water so those who enjoy an active lifestyle and have no qualms about taking part in various water sports will love all the opportunities that they'll be able to take advantage of in this city. On the other hand, those who prefer a more sedate form of relaxation would find the area's fishing spots equally pleasing. Aside from that, there are also endless vistas to enjoy for those who prefer strolling while taking in those stunning nature scenes.

Looking at it from a more practical point of view, the thriving tourist trade in Cape Coral will definitely tempt any investor or future homeowner to try their hands at entrepreneurship. The opportunity to set up a business and become a success at it is tremendous. Finding a solid source of income is of course another important consideration when relocating your entire family.

For those who have kids with them, education will not be a problem since topnotch schools and universities can be found in the area. More importantly, the crime rate in this district is virtually nil which puts the parents' minds at ease.

What's more, the number of waterfront properties up for sale at greatly discounted rates will absolutely lure you to start investing. Since we're talking about foreclosures here, finding properties with asking prices as low as half of the prevailing market price will be a snap. Even if you have no intention of living in the district and simply wish to make an investment in real estate, your chance of getting a sizable profit after sitting on the property for a while is extremely feasible. Though the price of homes have gone down when the national economy experienced a sudden downturn, indicators of pending recovery is already in the offing. When this happens, your property's value will surely soar.

Building Permit: Do You Need One?

Buying a new house is a very expensive decision, and when you have finally bought one, there are other important elements and conditions you need to meet. This is especially true when you are planning to do some renovations for your new home. For instance, you want to add a deck, fence, garage, or outdoor structure in your newly bought property, you must first get a building permit and license. Unfortunately, like most homeowners, you might not have any idea what a building permit is and why you need one for your home remodeling project.

Before we discuss further what a building license is and how you can get one, you first have to be aware that this license is a mandatory regulation which you need to obey when you decide to pursue your renovation project. You must understand that residential and commercial buildings are controlled by the government of the state, city, and town where the construction activity will take place.

Understanding Building Permits

A building permit is a document that has the necessary information regarding the construction of residential and commercial structures. The codes are developed to be used when building a house in a neighborhood. These codes ensure that the aesthetic design will adhere to the restrictions set and required by the individual neighborhoods. Building permits are regulated by the municipal authority. This means that your local officials are in charge of regulating the codes and issuing permits. You can get an application for this permit at your local Department of Public Works.

Why Do You Need A Building Permit?

When you decide to renovate or remodel your property, you will need to get a building permit. This is because your home renovation must be in accordance with the requirements for safety and structural soundness set by the local government. These requirements are written as building codes in your area. In addition, the building permit process also makes sure that your building plans are similar to other municipal requirements, including heritage building designations and zoning regulations.

You will be required to get a building license for your renovations, especially if it involves the structure and system of your home.

You add new structures in your property
Reconfigure or remodel the space by removing or moving walls
Adding new windows and doors
Installing a fireplace

You also have to determine whether your local building codes require you to get a permit when you demolish structures, such as a shed, porch, or garage on your property. However, there are some renovations that may not need a permit. Some of these are:

• Re-roofing
• Re-siding
• Flooring
• Painting
• Replacement of windows and doors
• Cabinet installation