Cheaters Among Us, Robert & Jonna King
Robert F & Jonna K. King
According to the public records of Reno Justice Court, Keith W. Gledhill, Realtor with Prudential Nevada Realty, bragged that his clients, the Kings, “California investors he had successfully marketed to,” were doing a Second Home purchase. The property address was 2745 Snow Partridge Dr., Reno, Nevada 89523. On August 19, 2004, the King's Second Home Wells Fargo Loan Qualification letter was faxed to Mr. Gledhill.
Those same public records have that the Kings, of 2593 Onizuka Cir. San Pedro, CA 90732, and Mr. Gledhill of Rancho Palos Verdes, CA exhibited unusual concern regarding compliance with government reporting requirements, anti-money laundering policies, home loan fraud, owner occupant home loan fraud, home insurance fraud, forged documents such as rental agreements, home owners' insurance, and does the lender follow up on documents and go out and actually check property after close? The Kings and Mr. Gledhill repeatedly exhibited a lack of concern regarding risks, commissions or other transactional costs to a home loan lender or insurance company. The Kings and Mr. Gledhill were hostile and threatened to sue when concerns of this sort to their attention. This suspicious behavior and threats were brought to the attention of a Wells Fargo manager, James Elvick, several times, verbally and in writing.
According to the Reno Gazette Journal rental ads, the Kings immediately gave rental and management control to the Mr. Gledhill and his wife Jennifer over the occupancy and use of 2745 Snow Partridge Dr. According to the public records of Reno Justice court, on August 23, 2004, the Kings had the Gledhills take over the renting out 2745 Snow Partridge Dr., and would manage it for them.
Wells Fargo found out and changed their second home loans to nonowner occupant loans, faxing the King's Nonowner Occupant Qualification Letter to Mr. Gledhill. The Kings became very angry with Wells Fargo and said the Gledhills had told them to do it at a Second Home and to talk with Keith since they obviously didn't know a thing about the business.
Wells Fargo spoke with Mr. Gledhill about he and his wife renting out 2745 Snow Partridge Dr. when he had the Kings applying for Second Home loans, and six months later pulling equity out. Mr. Gledhill was unconcerned and told Wells Fargo “everyone does it.” That he had learned it from Michael (Michael Reynolds, an agent in his office) and Jenna (Jenna Clark escrow officer with First Centennial) and the Wells Fargo loan officer could buy a better home in a better neighborhood, drive better cars and make more money with less work as he planned to do dozens of these purchases off his campaign to investors, and he would give those loans to Wells Fargo, plus all his and his client's future refis, millions of dollars of loans putting thousands of dollars in the Wells Fargo pocket that would dramatically improve the loan officer's lifestyle and environment.
Wells Fargo pointed out it was mortgage fraud and a bribe, both felony crimes. Mr. Gledhill replied his chances were slim to none he would be caught. If he was, he would just say he was new and his Broker failed to supervise him, so he would get just a slap on the wrist, and what was Wells Fargo going to do, tell? Mr. Gledhill told Wells Fargo that if it did he would have Wells Fargo black balled with the Realtors.
Wells Fargo immediately brought these issues to the attention of G. Roop, Mr. Gledhill's Sales Manager who was also unconcerned. Wells Fargo then brought it to the attention of Valerie Mapes, Mr. Gledhill's Broker. Ms. Mapes also was unconcerned.
Mr. Gledhill and then the Kings then fired Wells Fargo as they continued to refuse to do the fraudulent loans. Mr. Gledhill soon after closed two fraudulent Second Home loans with First Horizon Home Mortgage using Vice-President Patrick Riley's assistant to do so. During that time, per Reno Gazette rental ads September 23, 2004, there was rental ads for 2745 Snow Partridge Dr., with per 2004, Pg. 187 SBC phone book, with Gledhill's 775-747-6581 telephone number on them.
Per Washoe County public records September 23, 2004, First Horizon Home Loan #s 0050387976 & 0050385640 had Second Home Riders for 2745 Snow Partridge Dr. According to the Washoe County public records, on September 23, 2004, the Kings signed two First Horizon Second Home Riders, one each for the two loans they have on 2745 Snow Partridge Dr. Yet, the Gledhills already had the property rented out for the Kings, a violation of the King's two Second Home Riders. The Gledhills intentionally took the Kings, after they fired Wells Fargo for only willing to do nonowner occupant loans for 2745 Snow Partridge Dr. for them, to another lender. With never any intention of occupying 2745 Snow Partridge Dr. as a Second Home, the Kings always intended, and did, with the Gledhill's assistance, have it rented out before the Kings had even signed the two Second Home loan documents to close.
The two First Horizon Second Home loans then recorded September 27, 2004 - intentional Loan Fraud by the Kings with the help of Prudential Nevada Realty and the Gledhills. The Kings, Prudential Nevada Realty and the Gledhill's misrepresentations were done for the benefit of themselves as they collected commissions and the Gledhills were compensated for their management of 2745 Snow Partridge Dr.
Nevada Revised Statue 645 and Nevada Administrative Chapter 645 impose upon all licensees special duties of disclosure and protection of the public from misrepresentation and unethical practices. Prudential Nevada Realty, its' Broker, Valerie Mapes, its Sales Manager, G. Roop, and its agent, Keith Gledhill, did not abide by the letter or spirit of laws and their code of ethics.
Pattie Nees of Lakemont Homes/Granite Ridge, Reno, 775/747-6622, then called Wells Fargo to tell them Lakemont Homes had just discovered the Gledhills had two contracts for two owner occupied lots of Lakemont in two separate Lakemont Home's subdivisions. That meant the Gledhills had two concurrent owner occupied homes to be built. Mr. Gledhill threatened to sue Lakemont and everyone there as “his lawyer had told him he could do that!” when Lakemont told him he couldn't.
There are numerous Title 18, United States Code, Section 1014, NRS 645, NAC 645 and Realtors Code of Ethics violations here. Prudential Nevada Realty and their agent, Mr. Gledhill, and their clients, the Kings, were unethical and grossly negligent. They repeatedly dealt with several parties to each real estate transaction, specifically each lender and subsequently Fannie Mae or Freddie Mac, and the American public in manner that is deceitful, fraudulent and dishonest. Prudential Nevada Realty and their agent, Mr. Gledhill failed to do their legally and ethically required utmost duty to protect the public against fraud, misrepresentation and unethical practices related to real estate.
These cheaters and others like them are economic terrorists that pierced to the very economic heart of American Homeland Security. Why hasn't the FBI done their due diligence? If they had committed the resources, and gotten this economic terrorist, this threat to American economic security, convicted; he, his Broker Valerie Mapes, his company Prudential Nevada Realty, and his clients would have been out of the Mortgage Fraud business years ago. Ms. Mapes was recently promoted .
Sources are the Washoe County public records, the Multiple Listing Service, the Reno Gazette Journal rental ads, Prudential Nevada Realty house flyers, United States Code, NRS 645, NAC 645, Realtors Code of Ethics, Reno Justice Court, and Reno District Court public records.
The photo, Now Hiring Losers, is from Aha Jokes, http://www.ahajokes.com/crt109.html
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How about we just shoot all these fraudsters?
Does mortgage fraudsters Keith W. Gledhill or Jennifer I. Gledhill have a degree in real estate?
How about Reno mortgage fraudster Prudential Nevada Realty's Valerie Mapes?
How about Nevada Real Estate Division Administrator Ann McDermott or Investigator Kip Steele?
How about mortgage fraudster former Nevada Mortgage Division Administrator Scott Bice?
How about Reno FBI agent Glen Lovedahl?
How about Reno mortgage fraudsters Judge Steven and Mendy Elliott?
How about Reno mortgage fraudsters Allan Zane, Magi Bird and Scott & Feather Dugan?
How about Reno mortgage fraudsters Sue Barry, Jenna Kay Clark, Marlene Kelley, Pat Schweigert, Rick Vaughan or Beverley Stewart?
No.
Then why in the hell did anyone give these fraudsters any credibility in believing or even listening to their fraud schemes in the first place or thinking a real investigation was being done?!
Reported First In Reno Broowaha, http://www.broowaha.com/article.php?id=3566
How about just immediately executing these fraudsters? Including executing the small and big fraudsters! Including executing the ones who accepted the bribes to look the other way while all the fraud was going on.
Why Don't Realtors Support A Real Estate Degree For Realtors? http://www.babelation.com/?q=node/1505. The result of their greed and arrogance in their ignorance has been all this real estate fraud.
I believe the FBI and mortgage division and real estate division investigators were taking bribes from the fraudsters while the fraud was going on.
I am an honest & ethical
I am an honest & ethical Reno Realtor who is mad as hell when this site was brought to my attention. Mad not at the exposes, kudos for that, but mad at these few people in my industry that give the vast majority of us who are honest and ethical, a bad name. How in hell do I legitimately compete against what I've been reading here?
With our home values dropping a shocking 2% a month, I have found myself swallowed up by the greedy fraud leviathan. As part of that greedy fraud leviathan, yes, Remcor Realty is a company whose Broker and agents ought to be in prison for the rest of their lives, along with their co-conspirators. For years Remcor's taught real estate classes at the real estate board. Mortgage and real estate fraud was regularly taught in these classes. This clause Allan Zane/Remcor wrote into the Hanneman's contract, that “the lender is not to be told” is common practice. It's known as a wrap-around mortgage. And it is illegal and unethical. Remcor, Magi Bird and Remcor's agents proudly don't care about illegal and unethical. They very self-satisfiedly teach “that anything goes as the odds of getting caught are slim to none, and when caught, no one does anything about it anyway.”
Something Prudential Nevada' Realty's Valerie Mapes, Michael Reynolds, Keith W. Gledhill, First American Title, First Centennial Title, Jenna Kay Clark, and way too many others whole-heartedly embraced and arrogantly echoed.
By “no one” Remcor Realty means the Board, MLS, the Real Estate Division, the Mortgage Lending Division, the police, the Washoe County Sheriff, the District Attorney, the Attorney General, investigators, the judges – both state and Federal, the Federal attorneys, the IRS, and the FBI. The thought is willful ignorance, incompetence and corruption - they took a bribe.
Escrow officers/managers know wrap-around mortgages are illegal and unethical. Title officers/managers know wrap-around mortgages are illegal and unethical. Loan/Note Servicers, like local Evergreen, know wrap-around mortgages are illegal and unethical. Real estate agents know wrap-around mortgages are illegal and unethical. Loan officers/managers know wrap-a-round mortgages are illegal and unethical. The Real Estate Division and Mortgage Lending Division know wrap-around mortgages are illegal and unethical. TMCC real estate instructor and lawyer Ben C. Scheible knows wrap-around mortgages are illegal and unethical. Real estate instructors and lawyers know wrap-around mortgages are illegal and unethical. Accountants and tax preparers know wrap-around mortgages are illegal and unethical. Investigators know wrap--round mortgages are illegal and unethical. Law enforcement knows wrap-around mortgages are illegal and unethical. Yet, too many either do wrap-around mortgages, are involved in or with them (criminal conspiracy - RICO), and/or teach them.
Not everything Remcor taught was/is illegal and unethical. Another idea Remcor taught was to always file your own Prophylactic Deed of Trust against your property(s). Their reasons for doing so were two. One was to prevent a version of Identity Theft where the fraudster sold or refinanced your real property out from under you. By filing your Prophylactic Deed of Trust that means that escrow would send you its Beneficiary Statement when a conveyance or refinance was happening. That is a very big and important notification if a conveyance or refinance was happening if you hadn't known of and approved of either. Conveyance includes these fraudulent foreclosure notices written here about, these notices from a party with no authority to foreclose.
Title/escrow knew about these and once a Prophylactic Deed of Trust was identified as a Prophylactic Deed of Trust, title/escrow just routinely required the Prophylactic Deed of Trust be removed at close of escrow. So Prophylactic Deed of Trust's Deed of Reconveyance was routinely filed with the other Deed of Reconveyances, followed by the new Deed(s) of Trust, often including a new Prophylactic Deed of Trust.
The other version was/is of course the illegal and unethical wrap-around mortgage. An illegal and unethical wrap-around mortgage is a Deed of Trust masquerading as a legal and ethical Prophylactic Deed of Trust.
This illegal and unethical wrap-around mortgage's Deed of Trust masquerading as a Prophylactic Deed of Trust is being aggressively taught by Remcor to real estate agents, escrow officers/managers, title officers/managers, lawyers, investigators, judges, accountants, tax preparers, and law enforcement.
Wrap-around mortgages are the center piece of Remcor's strategy in this down market where 85 to 90% of the MLS is properties either in foreclosure or bank owned. Remcor relentlessly pursues other real estate offices to teach this. They have a network of existing co-conspirators they are always looking to aggressively expand. Their hook is money. Title, escrow, lawyers, real estate agents, loan officers, appraisers, accountants, tax preparers, and sellers all get paid off this wrap-around mortgages when so many aren't since this collapse.
Don't think the mortgage and real estate fraud has gone away because the housing market collapsed. On the contrary. Remcor Realty, among too many others, is always aggressively seeking and proselytizing newer and better fraud in the desperate pursuit of money in bad times, and more money for the greedy sake of money in good times.
My Broker says our Code of Ethics prohibits us from doing anything. Oh I can blog it here under a blog name, but that's it. I think NRS 645 and our Code of Ethics does require us as real estate agents and Realtors to turn in these fraudsters. My Broker says different. I am forced to join in with the fraud in order to survive. I am forced to participate in order to compete and make money. I am forced to keep silent with my buyers and sellers.
Reno’s Prudential Nevada
Reno's Prudential Nevada Realty, Realtor Keith W. Gledhill and Realtor/Broker Valerie Mapes grossly violated their duty to their buyer.
A licensee has the duty of absolute fidelity
to the client's interests.5 Absolute fidelity
means a licensee must put the client's
interests ahead of the licensee's interest.
A licensee “will not be permitted to
pervert his authority to his own personal
gain in severe hostility to the interest of
his principal.”
http://red.state.nv.us/publications/law-reference/Ch%20II.pdf
A licensee has the duty of
A licensee has the duty of absolute fidelity
to the client's interests.5 Absolute fidelity
means a licensee must put the client's
interests ahead of the licensee's interest.
A licensee “will not be permitted to
pervert his authority to his own personal
gain in severe hostility to the interest of
his principal.”
1. NO DECEIT, FRAUD OR
DISHONESTY
Whether acting as a principal or an agent,
a licensee has a duty to all parties not to
be deceitful, fraudulent or dishonest.38
Deceit is the act of intentionally or
recklessly giving a false impression or
statement, so that another person will rely
on it. It includes any conviction involving
bad faith, dishonesty, a lack of integrity,
or moral turpitude.39 Dishonesty is the
act of not telling the truth. In other words,
the licensee must at all times be honest.
Webster's defines honesty as “adherence
to the facts.”
Licensee's Personal Affairs: The duty
of honesty extends past the licensee's
business activities and into his or her
personal affairs. Nevada's Supreme
“Moral turpitude” is
conduct contrary to
justice, honesty, or
morality and includes
offenses involving fraud,
breach of trust, perjury
and intentional dishonesty
for personal gain.
State Bar of Nevada v.
Claiborne, 104 Nev. 115,
756 P.2d 464 (1988). See
also RED Open House,
Fall 2007, page 3.
The licensee's duty of honesty includes
the duty to deal fairly with all parties to a
transaction, not just the client.49
http://red.state.nv.us/publications/law-reference/Ch%20II.pdf
May the fleas of a thousand
May the fleas of a thousand camels infest their fraudulent crotches.
Hmmmmm – Prudential Nevada
Hmmmmm – Prudential Nevada Realty Reno Realtor Keith W. Gledhill and his wife Jennifer I. Gledhill, involved in mortgage fraud and money laundering. Maybe mortgage fraud and money laundering forgery is a problem where you're at, but it is not a problem in Los Angeles, or obviously Reno, Nevada. What's wrong with you?
Prudential Nevada Realty Reno Realtor Keith W. Gledhill has won the Fraudster of the Decade Award. He threw Reno under the wheels of the mortgage fraud bus. The world is his $2 whore.
Los Angeles and Reno understand that Prudential Nevada Realty Reno Realtor Keith W. Gledhill and his wife Jennifer I. Gledhill does not need to be weighed down by their mortgage fraud and money laundering until they're arrested. When is the last time the local media mentioned said mortgage fraud and money laundering? Exactly … who knows … he is Prudential Nevada Realty Reno Realtor Keith W. Gledhill and he has his life to lead.
So what if Prudential Nevada Realty Reno Realtor Keith W. Gledhill is hanging out banging Reno while his LA wife Jennifer I. keeps the LA, California fraud fires burning? Jennifer I. Gledhill is not going to spank and choke herself. So what if Prudential Nevada Realty Reno Realtor Keith W. Gledhill needs a mother figure? Nick Lachey needs someone to do bullet shots with at Hyde.
Prudential Nevada Realty Reno Realtor Keith W. Gledhill would be wise to relocate back to Los Angeles to be amongst other visionaries like himself. In fact, we should thank Prudential Nevada Realty Reno Realtor Keith W. Gledhill, a transplant to Reno, Nevada, for reminding us what it means to be Angelinos. I hope Prudential Nevada Realty Reno Realtor Keith W. Gledhill's gruesome tale is not an omen for the future state of our nation. If throwing your neighbors in several states under the wheels of the bus is right, I am scared to know what wrong is.
(This article is dedicated to the loving memory of Ms. Anna Nicole Smith. We can only pray that Elton John will eulogize her, and Prudential Nevada Realty Reno Realtor Keith W. Gledhill and his wife Jennifer I. Gledhill with yet another version of that candle song on national TV. Goodbye, Vickie Lynn… your dealers will miss you.)Even Porky is a hard-bitten middle aged jaded soul who has seen the true ugliness of the real world and knows there is only one way to survive.
Even Porky is a hard-bitten middle aged jaded soul who has seen the true ugliness of the real world and knows there is only one way to survive.
http://1.bp.blogspot.com/_mJ4lc_Q9Q6k/SQnmw6haPrI/AAAAAAAASH0/Gf7YbexE0d...
Is it still sarcasm when I have to explain it?
El G, that's with one G.
Prudential Nevada Realty
Prudential Nevada Realty Reno Realtor Keith W. Gledhill is a simple, undereducated, preaching buffoon. He is half a baby step away from the homeless people who babble to themselves in the street. He may well be insane, it's hard to tell without seeing him in person. Just stop. Stop embarrassing yourself and go away. Far away. Far away where the lying Realtors and mortgage fraudsters and bullies run free and chase butterflies in fields of sunflowers. Go be with the lying Realtors and mortgage fraudsters and bullies , Prudential Nevada Realty Reno Realtor Keith W. Gledhill. Let them pet your head and tell you the truth. Now go Prudential Nevada Realty Reno Realtor Keith W. Gledhill, be free, be with your people. Run along sweet cheeks, run along. Good boy, good....
"Prudential Nevada Realty Reno Realtor Keith W. Gledhill, you lookin' at me? You look' at me? Are you lookin' at me?" It's awesome. Not only is he dumb, he's totally looped. Prudential Nevada Realty Reno Realtor Keith W. Gledhill, you can't hide what you are and what you do. You are a sanctimonious psycho prick. I think Bristol Palin's retarded fetus is more qualified to be a lawyer and human than Prudential Nevada Realty Reno Realtor Keith W. Gledhill is. Prudential Nevada Realty Reno Realtor Keith W. Gledhill, are you trying to out-stupid yourself?! If so, mission accomplished boy!! Go treat yourself to a Nazi pie! Prudential Nevada Realty Reno Realtor Keith W. Gledhill if you send me a postage pre-paid 3 x 3 x 3 box, I'll mail you the shit Eleanor and Gertrude produced on your fraudulent real estate contracts. I can also send you a clump of their urine (complete with litter) if you like. Next person to call this dumb, crazy prick a dick will get a -1 on their comment from me. Take that, potty mouths.
Even Porky is a hard-bitten
Even Porky is a hard-bitten middle aged jaded soul who has seen the true ugliness of the real world and knows there is only one way to survive.
http://1.bp.blogspot.com/_mJ4lc_Q9Q6k/SQnmw6haPrI/AAAAAAAASH0/Gf7YbexE0d...
Is it still sarcasm when I have to explain it?
El G, that's with one G.
Attorney-at-law? More like
Attorney-at-law?
More like ahole-at-large.
Jonna King writing in her
Jonna King writing in her diary:
Dear Diary,
Last year I replaced all the windows in my house with the expensive double-pane energy-efficient kind. Then this week I got a call from the contractor who installed them. He was complaining that the work had been completed a whole year ago and I still had not paid for them. Now just because I'm a blonde doesn't mean that I am automatically stupid. So, I told him just what his fast-talking sales guy had told me last year... Namely, that in ONE YEAR these windows would pay for themselves! Helllllooooo??? It's been a year!
There was only silence at the other end of the line, so I finally just hung up. He did not call back. Boy, I bet he felt dumb!!
Cristina Michta