11.- UNAMET ((United Nations Mision in East Timor) - UNTAET (United

Real estate investor Rito Miguel Diaz, Jr., also known as Mike Diaz, and his parents, Rosemary and Rito Miguel Diaz, Sr., licensed and unlicensed real estate agents at Familia Realty, Realty World, or Network Realty, were each indicted in U.S. District Court, Los Angeles, CA, for mail fraud and aiding and abetting. From September 1998 to January 2002, Mike, Rosemary, and Rito Diaz, Sr., allegedly provided or created false identification, employment, credit, and other information to assist unqualified borrowers in obtaining FHA-insured loans. HUD realized losses exceeding $900,000 after 18 mortgages defaulted.

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Twenty-two undocumented immigrants and former FHA-insured mortgagors were indicted in Dallas County Judicial District Court, Dallas, TX, for securing execution of a document by deception. The above defendants allegedly used false SSNs and other documents to obtain and later default on FHA-insured mortgage loans. In addition, Martin Cuenca, an undocumented immigrant, was sentenced in U.S. District Court to 36 months probation and ordered to pay HUD $13,151 in restitution for his earlier guilty

plea to misuse of an SSN. Cuenca used a false SSN and other fraudulent documents to obtain and later default on an FHA-insured mortgage. Collectively, the above defendants caused HUD losses in excess of $647,000 after 19 mortgages defaulted.

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Eight undocumented immigrants pled guilty in Johnson County Court, Johnson

County, KS, to making a false writing. The defendants were each sentenced to 5 months incarceration and 18 months probation and ordered to refinance or eliminate their FHA-insured mortgages to eradicate approximately $552,000 in FHA-insured mortgages considered at risk. The above defendants fraudulently obtained FHA-insured mortgages using false SSNs through an unidentified loan officer.

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Jose Antonio Caballero, owner of American International Finance and Mortgage Services, Inc., pled guilty in U.S. District Court, Dallas, TX, to making a false statement and agreed to pay HUD $119,520 in restitution prior to his sentencing. Caballero failed to claim a prior felony conviction on his HUD FHA lender application and provided undocumented immigrants with false SSNs or Internal Revenue Service employment identifications, allowing the unqualified applicants to obtain FHA-insured mortgages. HUD realized losses of approximately $400,000 after 11 mortgages defaulted.

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Lesly Bardales, a self-employed tax preparer, was sentenced in U.S. District Court,

Los Angeles, CA, to 6 months incarceration and 3 years supervised release and ordered to pay HUD $265,809 in restitution for her previous guilty plea to mail fraud and unlawful transfer of Social Security cards. Bardales and previously convicted conspirators Catherine Diaz and Dalila Moreno created and submitted fraudulent loan documents for unqualified borrowers, obtaining more than 100 FHA-insured mortgages valued in excess of $1.3 million. HUD realized losses of $135,899 after eight mortgages defaulted.

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Louis Ramon Luevano, also known as Ray Luevano, a real estate broker at Harvest Realty in Denver, CO, and five FHA-insured mortgagors were arrested after criminal complaints were filed in Colorado District Court, Brighton, CO, charging them with theft, computer crimes, attempting to influence a public servant, forgery, criminal impersonation, or offering a false instrument for recording. The above defendants allegedly provided fraudulent SSNs to obtain and later default on FHA-insured mortgages, causing HUD losses in excess of $120,000.

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Ignacio Juan Jasso, a real estate broker and former loan officer at JR Mortgage, was indicted in U.S. District Court, Dallas, TX, for false Federal credit institution entries, reports, and transactions. Jasso allegedly provided or used false SSNs or loan

documents to assist unqualified undocumented immigrants and others in obtaining FHA-insured mortgages. HUD realized losses of $77,116 after four mortgages defaulted.

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Rudean Cooper pled guilty in Montgomery County Circuit Court, Rockville, MD, to identity theft. Cooper used the SSN of another to obtain and later default on an FHA-insured mortgage, causing a HUD loss of $58,742.

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Sergio Manuel Torres-Rodriguez was sentenced in U.S. District Court, Athens, GA, to 12 months and 1 day incarceration for his earlier guilty plea to false statements. Torres- Rodriguez used the identity of another to obtain and later default on an FHA-insured mortgage, causing a HUD loss of $40,376.

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Real estate speculator Willie Bynum was sentenced in U.S. District Court,

Norfolk, VA, to 4 years probation and 6 months home confinement and ordered to pay HUD $11,413 in restitution for his earlier guilty plea to conspiracy to make false statements to HUD. Bynum used a false SSN and employment, income, and credit information to obtain FHA-insured mortgages on investment or owner-occupied properties for himself and other unqualified borrowers. HUD realized a loss of $25,000.

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Fifteen FHA mortgagors were arrested after criminal complaints were filed in Colorado State District Court, Golden, CO, charging them with forgery, criminal impersonation, or offering a false instrument for recording; Maria De Los Angeles Mendez was arrested in New Mexico after failing to appear. Five of the above defendants pled guilty to forgery and were each sentenced to 3 years incarceration and 3 years probation. The above defendants allegedly provided fraudulent SSNs or other forged documents to obtain and later default on FHA-insured mortgages. HUD losses have not yet been determined.

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Francina Valadez, a former loan officer with Visalia Community Bank, and Mari Oregon, a former realtor with 21 Arrow Realty, each pled "nolo contendere" in Tulare County Superior Court, Visalia, CA, to false financial statements. Elizabeth del Valle, Oregon's assistant, was sentenced to 30 days incarceration and 60 months probation for her earlier conviction of grand theft. From December 2003 to April 2004, Valadez, Oregon, and del Valle allegedly used fictitious names and SSNs to assist unqualified borrowers in obtaining FHA-insured mortgages. HUD losses have not yet been determined.

Alberto and Mabel Gutierrez were arrested after their indictments in U.S. District Court, Harrison, VA, for making false statements to HUD, misuse of an SSN, and identity theft. Alberto and Mabel Gutierrez, undocumented immigrants, allegedly used false SSNs and Immigration and Naturalization resident alien cards to obtain and later refinance an FHA-insured mortgage.

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Dolores Monger was charged in General District Court, Virginia Beach, VA, with identity fraud and false statements to obtain property or credit. Monger allegedly assumed the identity of her minor daughter and obtained and later defaulted on an FHA-insured mortgage. HUD realized no loss when the property was resold.