John Katrichis Mortgage Fraud

Last January, my wife and I decided to sell our boat, sell our big house, down size to condo, and buy a bigger boat. We placed the boat thru a broker, and began looking for a mortgage. My wife found a company on the internet. The company was Alpine Financial 933 N. Mayfair Rd. Suite 109 Wauwatosa, WI 53226. She contacted John Katrichis �AKA Jr Katrichis�, his cell # is 414-573-6424 office # is 414-443-5900, and explained to John �AKA Jr� that the whole deal was hinged on the sale of the boat. She was sent an application via fax, which we filled out and sent back to John Katrichis �AKA Jr Katrichis�.

We got a contract on the boat, which fell through 3 days before close. She called John Katrichis �AKA Jr Katrichis� at Alpine Financial aware of this. John Katrichis �AKA Jr Katrichis�, came back to her stating that we would still qualify. Both my wife and I sat down and did the numbers, and we both realized that we could not afford to buy the condo and keep the boat while making house payments.

John Katrichis �AKA Jr Katrichis�, from Alpine Financial persisted, and just keep calling us and would not let the issue die. We were not pleased that John Katrichis �AKA Jr Katrichis� or Alpine Financial would try to push us into this deal under these conditions. We decided to, on our own, sell the house. We contacted a local mortgage company, sold the house on our own, without a realtor, and purchased the condo. We never received anymore paperwork or anything from John Katrichis �AKA Jr Katrichis� or Alpine Financial.....until a few months ago.

We came home from work and checked the mail, and there was a supoena for us to be in court, and John Katrichis �AKA Jr Katrichis� with Alpine Financial stated that we owed them almost $6300.00 for services rendered??? We immediatly contacted an attorney, went to the initial hearing and told the judge that WE DID NOT OWE THIS!!!!!

Our attorney recommended that we attempt to settle....I was against the idea, but we offered $900.00 to settle just to have the whole mess disappear. They accepted, but we would never be able to file a complaint against them......I REFUSED!!!!! I want to make sure that John Katrichis �AKA Jr Katrichis� or Alpine Financial never tries to pull this stunt on any other consumer!!!! We never received any "Right of Recision" paperwork, or any other document from John Katrichis �AKA Jr Katrichis� or Alpine Financial....

The unjustice here is that to date, we have had to spend $3500.00 in attorneys fees, taken time from work to deal with this issue, and are not done yet...!!! At this point, If I have to take out a 2nd mortgage to fight John Katrichis �AKA Jr Katrichis� and Alpine Financial, then i will!!!....

Wrong is wrong, and right is right... I have spent endless days research John Katrichis �AKA Jr Katrichis� and Alpine Financial and found them to be involved in a lot of mortgage fraud complaints. I appalled at the complaints I have seen in the court house. Whats wrong with this picture???? And if you know of anyone that is contacted by John Katrichis �AKA Jr Katrichis� or Alpine Financial, tell them they are thieves that are being investigated by the Fed�s, and to Stay as fare away from them as possible.

John Katrichis �AKA Jr Katrichis�, Alpine Financial is a thief pretending to be a mortgage office.

Stay away he is being investigated by the feds for mortgage fraud and identity thief.

Searching court records he has 4 felony convictions. His contact information:

John Katrichis �AKA Jr Katrichis�

125 S 84th

Milwaukee

WI 53214

Jr Katrichis

Alpine Financial, LLC

933 N. Mayfair Rd. Suite 109

Wauwatosa, WI 53226

www.alpinehomefinance.com

jkatrichis AT alpinehomefinance.com

414-443-5900 (Phone)

414-443-5901 (FAX)

414-573-6424 (Mobile)

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Countrywide now Bank of America is definitely anti-America. They�re not doing the required homeloans because of the origination fees they make off the refinance loans for the loans they should never have put us into in the first place.

Sheryl Christensen, can you spell MORTGAGE FRAUD? Sure you can. The one with the 30-year Federal felony and $1 million fine per occurrence. Remember me Sheryl? The one your Ferrari-Lund Real Estate buddies referred to you. The one that did three purchases with you from Spring 2003 to Fall 2005 for a total of six loans. The one that you created that first rental agreement for the house I was selling through your Ferrari-Lund Real Estate buddies. You were then with Wells Fargo on Kietzke Lane across from Lowe�s. You told me that your manager, James Elvick had told you to do that when the underwriter conditioned for either the sale of that house or a rental contract of that house. It was faster for you to create that rental contract than it was then to sell the house. I had never been a landlord nor did I have any intention of ever becoming one. Your rental contract worked. I moved into my new home. I never did rent my previous home as your Ferrari-Lund Real Estate buddies listed it the morning after close of escrow on my new home. A bit of a financial hardship for me making both payments, but the market was starting to heat up and it sold in six months. You put me on that 100% 80 Heloc-20 Heloc that you sold me on that I �could just write a check out of as the property appreciated.� Use my home as a checking account you extolled. I�m sure now Wells Fargo was paying you a bonus to push that product. You sure quickly glossed over the details about that product. I naively made the mistake of assuming that what you told me was the same as what was in that paperwork in very small print that you mailed to me. The Sheryl mouth giveth and the small print taketh. I didn�t know until much later that your 100% 80 Heloc-20 Heloc was a bullet to my head.

Then your Ferrari-Lund Real Estate buddies told me I �should buy another property and flip it for a quick buck.� I had zero cash but your Ferrari-Lund Real Estate buddies told me �Sheryl�ll show you how to do it.� Sheryl certainly did. Sheryl, the Pusher, created another rental contract on my home and put on the loan I was moving into the new property. Again, I had no intention of being a landlord, and in this case, of moving. That property was flipped, but the next year during tax filing, after all the loan fees to you, the real estate commissions buying and selling, the income tax prep fees, and the capital gains taxes since the loan paperwork had it as an owner occupant which wasn�t exempt since I�d just taken the exemption on my other home, since my tax preparer wisely disclosed to me what tax fraud is, its consequences and that she wasn�t participating in it, I�d made a grand net profit of minus $9,872. At the time though, I hadn�t yet learned all that. Or that the only ones that made money off that deal was you and your fellow Pusher Ferrari-Lund Real Estate buddies. In fact, it turned out, you and your Ferrari-Lund Real Estate buddies made a lot of money of that deal. In stocks, what you and your Ferrari-Lund Real Estate buddies were doing is known as churning. The deal was done for your benefit, not mine. I still didn�t yet know that though.

So you and your Ferrari-Lund Real Estate buddies had me do another one exactly like the previous one. But the market, unknown to me, had peaked and was collapsing. No flipping in that market. I lost that house in foreclosure soon after my tax preparer broke all the bad news to me of what you and your Ferrari-Lund Real Estate buddies had aggressively tricked me into.

My tax preparer also broke more bad news. The IRS is one of the few hiring. The IRS is hiring

So the IRS can go back and audit loan files such as yours. The IRS is looking for declarations of rental status then matching that up to the borrower�s income tax returns. No rental income tax income declared and the IRS hauls the borrower in for an audit. In my case, there was no rental income, but my tax preparer says I won�t be believed since my loan documents, with my signature, say different. My six Deed of Trusts recorded at the Washoe County Recorder�s Office clearly has owner occupant on all those turns out were fraudulent loans you did for me. So I�ll be assessed taxes and penalties for rental income that I never received on three properties. I may even be facing criminal charges. My recourse will then be to sue you and Wells Fargo and Countrywide and your Ferrari-Lund Real Estate buddies and Ferrari-Lund Real Estate for the MORTGAGE FRAUD I didn�t know then you and they then were doing. MORTGAGE FRAUD, you know, that creating and/or providing false information to a lender. Which I have since learned is also an NRS 645 violation for Ferrari-Lund Real Estate.

My tax preparer is convinced once the IRS gets to me I�m screwed. I�m not going down alone. I hear the FBI and Nevada AG is also hiring to go after the MORTGAGE FRAUDSTERS. If the IRS comes after me, I�m going to the FBI and Nevada AG and telling them everything. I know you�ll then say to them what you said to me, that your manager, James Elvick had told you to create a rental contract when the underwriter conditioned for either the sale of that house or a rental contract of that house. Elvick will of course deny he said that. I�ll have your loan records and Ferrari-Lund�s real estate records subpoenaed and since you and/or your Ferrari-Lund Real Estate buddies created the false rental contracts, they�re not in my handwriting.

My home? Well, I finally met an honest loan officer and she, a veteran herself, refinanced me into the loan you really didn�t want to do for me, my 30 year fixed VA loan.

Greene

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My Good Buddy, The Loan Officer

No wonder Nevada turned out to be the state with the highest mortgage fraud and now foreclosures.

We�re $100,000 upside down, underwater which means we owe $100,000 more than the property is worth. If the Nevada Mortgage Lending Division Scott Bice, Sheila Walther, the police, Dick Gammick, the FBI, or Glen Lovedahl had done their job, Nevada wouldn�t have tragically ended up number one in mortgage fraud and now foreclosures and the rest of us find ourselves now underwater on our loans - owing more than the property is worth.

When I bought my first home a few years ago I went to my good buddy Sam Britt, a then Wells Fargo Alternative Credit Specialist. Translation, sub-prime. My good buddy Sam Britt hated my wife�s credit, said I�d have to do the loan without her, which means she wouldn�t be on title, and the interest was only fixed for the first two years, and its rate was almost twice what I�d heard, but hey no problem, we�ll be refinancing just before that. Do the same thing then that we�re doing now; roll all the loan costs into the loan. No problem.

The first problem, besides second problem, the too large payment, third problem, the only two-year guarantee, and fourth problem, with really no guarantee to be able to refinance in those two years, the first and foremost problem is my wife just didn�t get why she�s not going to be on the title.

I�d heard from others about the government�s loan, a VA and I�m one. I asked my good buddy Sam Britt. He referred me to a VA Specialist but first told me not to let them know I am married. Does that mean she�s not on title I asked. Yeah, said my good buddy Sam Britt, but no problem. We�ll add her after we close. Escrow�ll do it for us.

I met with this VA Specialist. She had me at a 30 year fixed VA loan. The interest was around what I thought it to be. I had some closing cash out of pocket, but no problem. The wife and I go shopping for a house. We make an over asking price offer upon the recommendation of our real estate agent and found our offer accepted.

I got all the way to the signing at the escrow office. I�m married. They want my wife�s signature. My wife is excited that someone is admitting our marriage. My VA loan officer was surprised to found out I�m married and that my good buddy Sam Britt had told us to lie that we were not married for this VA loan as my good buddy Sam Britt felt my wife�s credit would have killed the VA loan. The VA specialist was able to salvage the VA loan as it turned out the wife� credit had issues that the VA loan officer was able to get resolved. She was pissed because she hadn�t been told earlier. She was also worried about mortgage fraud so she brought the Sales Manager to talk with us about what my good buddy Sam Britt had done to us. The Sales Manager said he didn�t want that kind of slimy business dealing here and referred us to a Karen Benson at Wells Fargo, fax # 612/312-7205. My good buddy Sam Britt later went to Countrywide Home Loans.

If my good buddy�ll do that to me, think what all those others did. My good buddy loan officer, mortgage consultant, alternative credit specialist Sam Britt first tried to get us into one of those toxic sub-prime loans. Turned out the reason was he gets more money for those loans. Lots more money.

Then only upon our pressure did he pass us on to an VA specialist. I found out VA loans were far less profitable to the bank and loan officer than the toxic sub-prime loans. Unfortunately, we really hadn�t yet figured out that our good buddy Sam Britt was not such a good buddy when it came to money. Having us lie we found out is mortgage fraud. And it�s all in writing so we�re tripping we�re so freaked out. Mortgage fraud! Felony! Million dollar fines! This Karen Benson at Wells Fargo, fax # 612/312-7205, told us our good buddy Sam Britt�s story was he never did or said any such thing. And that we had obviously lied on our own initiative to the Wells Fargo VA specialist. Yeah right. The police never followed up on our financial fraud report. Scott Bice and Sheila Walther at the Nevada Mortgage Lending Division didn�t care either. Sheila Walther told me she saw no problem upon the coaching of our loan officer with lying on the loan application about leaving off my wife who is a stay-at-home mom. That�s the job of the loan officer to get us a loan, Sheila Walther said. Your wife has no income so not relevant to the loan Scott Bice told us. That�s the same thing that Glen Lovedahl with the Reno FBI told us. We told Scott Bice, Sheila Walther and Glen Lovedahl that the VA specialist and the Wells Fargo Sales Manger had both told me it was clearly mortgage fraud, Federal felony, fines as we lied on a Federally insured home loan. I, we, wouldn�t have known to lie, or how to lie, if my good buddy Sam Britt hadn�t coached me to and how.

Wells Fargo, Countrywide, all those lenders do not rock. Neither does the Nevada Mortgage Lending Division Scott Bice, Sheila Walther, the police, Dick Gammick, the FBI, or Glen Lovedahl. No wonder Nevada turned out to be the state with the highest mortgage fraud and now foreclosures. If the Nevada Mortgage Lending Division Scott Bice, Sheila Walther, the police, Dick Gammick, the FBI, or Glen Lovedahl had done their job, Nevada wouldn�t have tragically ended up number one in mortgage fraud and now foreclosures and the rest of us find ourselves now underwater on our loans - owing more than the property is worth. In our case, we�re $100,000 upside down.

How can so many people and departments not do their job? All these people were and are paid with taxpayer dollars. I see that no as different than what U.S. Senator John Ensign, R, NV, did with his misuse of taxpayer dollars when he paid off his staffer-mistress and her husband, also on his staff. Not doing a publicly funded job is also misuse of taxpayer dollars. I am a taxpayer. I demand accountability from Nevada Mortgage Lending Division Scott Bice, Sheila Walther, the police, Dick Gammick, the FBI, and Glen Lovedahl. I want all of them to be forced to give back all their salaries for not doing the job they were hired and trained to do with taxpayer dollars. God knows we are paying the price for their failures.