DIY-CARPdiy-carp.com/Complaint _and_Attachments-SusieBarnes... · I \ FDIC Federal Deposit...
65
James H B · S . · arnes us1e M B 7025 W . arnes p . Hearn Rd eona AZ 85381 ' -4727 140710-001055 USPS TRACKING # 111 111 9114 9010 7574 2195 3882 88 TO: Consumer Financial Protection Bureau (CFPB) Post Office Box 4503 Iowa City, IA 52244
Transcript of DIY-CARPdiy-carp.com/Complaint _and_Attachments-SusieBarnes... · I \ FDIC Federal Deposit...
James H B · S . · arnes us1e M B 7025 W . arnes p . Hearn Rd
eona AZ 85381 ' -4727
140710-001055
~OM:
USPS TRACKING #
111 111 9114 9010 7574 2195 3882 88
TO: Consumer Financial Protection Bureau (CFPB) Post Office Box 4503 Iowa City, IA 52244
I \
FDIC Federal Deposit Insurance Corporation Division of Depositor and Consumer Protection 1100 Walnut Street, Box #11 Kansas City, MO 64106
Consumer Response Center 1-800-378-9581
Fax number 703-812-1020
July 10, 2014 Ref. No.: SCC2014N-001112-0
Mr. James H. Barnes 7025 W Hearn Rd Peoria, AZ 85381-4727
Re: JPMorgan Chase Bank, National Association Columbus, OH
Dear Mr. Barnes:
~ ~IP
I (f 6 7/ 6-DO/t§J
Thank you for contacting the Federal Deposit Insurance Corporation (FDIC). The FD I C's mission is to ensure the stability of, and public confidence in, the nation's financial system. To achieve this goal, the FDIC has insured deposits and promoted safe and sound banking practices since 1933.
The Dodd-Frank Wall Street Reform and Consumer Protection Act created the Consumer Financial Protection Bureau (CFPB). Based on our review of the issues you raise in your correspondence, we believe your concerns should be referred to the CFPB for assistance. We have taken the liberty of forwarding your correspondence to the CFPB at the address below.
....
cc/enc: Consumer Financial Protection Bureau P.O. Box 4503
Sincerely,
Iowa City, IA 52244 855-411-2372 www.consumerfinance.gov
Yf'f\ ?'. ~ -i ""7.'2- 3 q -z l ){;
3/3/2014
••• James H. Barnes & Susie M. Barnes 7025 West Heam Road Peoria, AZ 85381 -4727
Rodney K Reuscher Legal and Compliance Department Chase Home Finance, LLC 3415 Vision Drive Columbus, OH 43219-6009
Dear Mr. Reuscher:
:<
This is a "qualified written request" under Section 6 of the Real Est~e Settlement Procedures Act
(RESP A). '" "
I initially contacted Mr. Robert Meusel of Chase Home Lendiqg regarding this matter but he indicated that the issues and allegations raised in this letter were outside of his area of responsibilities. Thus I am referring this matter to your office. ·
I am writing to request that CHASE BANK US.A, N .A. launch an immediate investigate into what we believe were serious civil and criminal activities of a fonner employee of CHASE BANK USA, N .A during the 2004 thru 2006 timeframe. These allegations not only include the individual in question, Mr. Matthew Balin, but also his managers at the JP Morgan Chase branch at which he was employed. In 2004 through 2006 period in question, this branch was located at
CHASE BANK USA, N.A Chase Home Finance,-LLC 502 Virginia Drive
Fort Washington, PA 19034
~'!
The allegations in_~que$1ioQ oce;uired between March 2004 through April 2006, and are as follows :
Matthew Balin, while employed as a Lending Specialist at the JP Morgan Chase Fort Washington, PA office along with the senior managers and others at this office, were in violation of a variety of state and federal laws including: o Fair Housing Act o State and Federal Predatory Lending laws o Equal Credit Opportunity Act o Home Mortgage Disclosure (HMDA) Act o Truth and Lending Act o Federal Trade Commission Act Section 5 - Unfair Deceptive Acts or Practices
« Additionally, my wife' s Civil Rights may have been violated by the Overt Discrimination, Disparate Treatment and/or Disparate Impact implied by Mr. Balin overt omission of marital status, race, and etlmicity on the 2004, and 2005 loan applications. My wife informed Mr. Balin of her desire to include the pertinent information in the race and ethnicity sections of the applications but Mr. Balin obviously had ulterior motives for not including this information.
JAMES H. BARNES & SUSIE M. BARNES
••• "' Although I have always been the primary bread-winner of the family, Mr. Balin insisted that only my
wife's name and social security number appear on the Uniform Residential Loan Application, even though she had not worked between 1981 and 2003; and was in the process of re-entering the workforce on a part-time basis. Mr. Balin did include my name on the settlement documents but it was always proceeded and followed by three asterisks in the form of ***JAMES H BARNES***. My social security number did not appear anywhere on either the application or settlement documents. On documents were my social security number was required it was entered as 111-11-1111. There is absolutely no question that Mr. Balin 's action of only listing my wife as the mortgage holder on the account virtually destroyed any opportunity she had to apply for future credit because the mortgage payments grossly inflated her income to debt ratios.
We have not been able to acquire the HMDA data for this period but the fact that Mr. Balin was able to
get two different application that contained blatantly fraudulent information pass the auditor and
underwriters at CHASE BANK USA, N .A indicate that he discovered a flaw in tbeapplication review
and approval process, and repeatedly exploited it to avoid the scrutiny of the Company's Auditors and
Underwriters .. The fact that he voluntarily (or involuntarily) left CHASE BANKUSA, N .A at the end of
this period is highly suspicious.
The attached Uniform Residential Loan Applications contain some but not all of the fraudulent entries
made by Mr. Balin. These loan applications in addition to the Settlement Statements show that Mr. Balin
willfully and deceitfully circumvented the checks an~ bal<¥tces built into the both federal and state laws
2004, and was able to perpetrate the same thing agaill in 200~ . His fraudulent acts permanently damaged
our credit worthiness, and severely limited our ability to do obtain outside financing for our business . In
addition to the copies of the aforementioned Loan documents, we have a copy of all other documents we
receive from Mr. Balin, and other within the Fort Washington, PA office during this two year period.
- ~;
The fraudulent information entered by;Mf. Balin includes, but is not limited to:
1. Not listing my wife 's tru~ income as being less than $1 ,000 per month ($610/month from Social Security, and approx.imafoly $400/month from working part-time for two different employers .)
2. Listing a grossly inflated amount for my wife ' s business incomes from a home-office business in which she was part owner. This occurred on both the 2004 and 2005 applications. (Incomes were listed as $15 000/month in 2004, and $12,500/month in 2005, and the J. H. BARNES & ASSOCIATES business in question actually lost money during both 2004 and 2005.)
1. Not listing my wife 's marital status as married on 2004 application, he subsequently listed her marital status as married on the 2005 applications but did now include my name or social security number on the application .)
4. Not listing husband 's name or social security number on the 2004 or 2005 loan applications. Husband' s name was shown on the closing documents with as ***James H. Barnes***, and his social security number was shown as 111-11-1111 .
5 . The fact that she was listed as the sole mortgage holder, made it virtually impossible for her to obtain credit of any type until the mortgage was paid off.
In addition to this questionable, and frequently fraudulent information, Mr. Balin explicated asked my wife not to change the race and ethnicity sections of the application. On both the 2004 and 2005
James H. Barnes & Susie M. Barnes• 2
JAMES H. BARNES & SUSIE M. BARNES
••• applications, he had placed a checked in the "I do not wish to furnish this information.", when just the opposite was the case. My wife and I are both African American and we "always" include this information on all applications. We now believe that if this information was included, it would cause the loan to be included in HDMA data, and thus the loan application may have been more scrutinized by JP Morgan Chase, HUD, and others.
We feel that Mr. Balin's actions caused us permanent damage to our financial status and business
reputation, and thus we are seeking the following remedies:
"'" The acknowledgement that the current first mortgage dated March 2005 was granted based-J.lpon fraudulent information supplied by Mr. Matthew Balin and is defective, and sh()uld eithe~ be modified or voided. The Acknowledgement that the line of credit loan application completed by Lending.specialist Mr. Larry Hipp was based upon the fraudulent information entered by Mr. Balin on the 2004 and 2005 loan applications, and based upon this, the line of credit loan is also defective , ~d should either be modified or voided. Award James H. Barnes and Susie M. Barnes suitable punitive mmtetarx_ damages for the destruction of their financial credit and business reputation between 2004 and 2013.-The assessment of these punitive damages should not just be restricted to Mr. Balin, but others at the Fort Washington branch including Mr. Balin ' s manager, auditors, and underwriters who were responsible for reviewing and approving this application. -
'ic-
At the times that both the 2004 and the 2005 loans closed, we reviewed the closing documents and signed
these document as required, but did not review the Uniform Residential Loan Applications until the years
later after we were informed that civil money PetFllties can,, be awarded for predatory lending practices .
Frankly, we never had a need to review the loan application because we assumed that JP Morgan Chase
underwriters reviewed all loans applications before they are approved.
In summary, we realize that asking CHASE BANK USA, N.A to modify (or void) these loans, and pay us
punitive damages is an extraordinary, unprecedented request, but the permanent damage done to me and my wife by these actions warrants these actions. We believe that what happened at the Chase Fort
Washington, PA branch is not repi:esentative of the great name of JP Morgan Chase. It is clear that the
managers at this branch suffered~ "loss institutional control", and allow Mr. Balin, and others to
circumvent the checks and balances inherent in the mortgage lending industry.
Respectfully,
James H. Barnes & Susie M . Barnes
Attachment: Copies of Loan Application and other Pertinent Information
James H. Barnes & Susie M. Barnes• 3
Description of 2004/2005 Predatory Lending Practices of Chase Home Finance, LLC
Predatory Lending Issues
Below is a description of the fraudulent (and sometimes criminal) predatory lending practices of one or more employees of Chase Home Finance, LLC located at Fort Washington, PA branch of JP Morgan Chase Bank, NA These activities occurred between 2004 and 2006, and are microcosms of the corporatewide mortgage fraud that was then occurring at corporations such as AIG, Ameriquest, and others. While the actual predatory lending practices described herein are being attributed to Chase lending specialists at the Fort Washington, PA branch office of JP Morgan Chase Bank, NA, it is clear that the managers of this branch (and Chase underwriters) were aware of these practices; and at a minimum, allowed them to continue unabated. It is our contention that during the period of2004 through 2006:
• Chase lending specialists maintained a third-party relationship with a California-based 'fax spamming' company known as fax.com. This company sent the illegal spam fax to Susie M. Barnes that resulted in her contacting Chase Home Finance. This illicit advertisement claimed among other things that 'the lowest mortgage interest rates in history' were available by calling the 'The Mortgage Experts' number listed on the fax. The person(s) answering the toll-free telephone number in the fax (800-819-5252), directed Mrs. Barnes to call the Chase Home Finance branch in Fort Washington, PA (877-800-4405), and ask for Mr. Matthew Balin at extension (4749). It is important to note that after hundreds of complaints from virtually every state in the US for violating the Telephone Consumer Protection Act (TCPA), fax.com was shutdown by the FCC and the Attorney General of the State of California in November 2006. (Please see TAB ONE of the attachment for more details.)
• Chase lending specialists convinced Susie M. Barnes that rather than obtaining a second mortgage or Line-of-Credit (LoC), that it was in her best interest to obtain a new primary home loan that would enable her to pay off existing first and second home loans, as well as some high-interest credit card debts. Chase lending specialist assured her that because of her excellent credit score, that they would be able to get her an interest rate in the five to five and a half percent range. It was not until the actual closing of the loan that she discovered that what was actually obtained, was a loan rate of 7.825% for twenty years that included the highest discount points allowable (6%). The end result was that our mortgage payments increase by more than $800/month. When the independent closing agent explained the terms of the loan to Mrs. Barnes, she refused to close the loan. Later that day, after the Chase Home Finance lending specialist assured her that he would re-negotiate the loan in exactly twelve months; and promised to get much better terms; we felt that we did not have any other options, and we reluctantly allowed them to reschedule the loan closing for later that same week. It is important to note that although we were stunned at the subprime interest rate and high discount points, we were totally unaware of the fraudulent, factious information that had been entered on the 2004 loan application(s).
• Chase lending specialists created multiple Uniform Residential Loan Applications for Susie M. Barnes in 2004, and appending them to the loan closing documentation. Both applications were created on the same date and it is unclear how they were used:
o The first loan application was designated as for the Borrower' s copy, and; o The second loan application was apparently used by the Chase lending specialist and/or
Chase underwriters.
(There may well be a legitimate reason that the lending specialist created two loan applications rather than one, but even if this is the case, the majority of the information contained in both
Description of 2004/2005 Predatory Lending Practices at Chase Home Finance, LLC.
applications is inaccurate and in some instances, fictitious.) A summary of the differences between these loan applications are shown below:
Chase Home Finance, LlC. 2004 Uniform Residentia l Loan Application fo r Susie M. Barnes i Difference l
I Chase's Copy of Borrower's Copy of (Borrower's 1
I Loan Field Name Application Application Perspective) I Amoun of Loan $288,700.00 $289,500.00 $800.00I
Interest Rate 7.82500% 8.07500% 0.25%1
Existing Lien $185,108.00 $186,045.71 $937.711 I
Gross on hly Income $15,000.00 $10,000.00 -$5,000.001
Existing Monthly Mortgage Paymen $2,023.00 $2,200.00 $tn.OOl
Proposed Monthly Mortgage Payment $2,590.06 $2,854.33 264.271
t~~::~~·.: Worth ·$419~::: ::E ~::~::1 ~~E~~-~!.a~E~--------------------~!;9~~]~<!> ______ ..$1~~~~8.;!1_ _____ ~~~3]~8~~1
(Annotated copies of both loan applications can be found in TAB THREE of the attachment.)
• Chase lending specialists did not list my Susie M. Barnes' true income on the loan application which at the time was approximately $1,000 per month ($610/month from Social Security, and approximately $400/month from working part-time as a healthcare employee for two different employers.) This process was duplicated in 2005, when Mr. Balin illegally 'flipped' the 2004 loan because of complaints from Mrs. Barnes regarding the subprime interest rate, maximum discount points, and disgraceful closing fees of the original loan. The terms of the 2005 loan were only marginally better, and there was still a three percent discount rate added to the loan at closing time. As in he had done in 2004, Mr. Balin created two different loan applications, one of which was noted as the Borrower' s Copy. (As with the original 2004 loan applications, there may be a legitimate reason that the lending specialist created two loan applications; but even if this is the case, the majority of the information contained in both applications is inaccurate and/or fictitious.) The following Table describes the difference between these loan applications:
Chase Home Finance, llC. 2005 Uniform Resident ial loan Applicat ions for Susie M. Barnes
Chase's Copy Borrower's Copy of Difference (Borrower's
Loan Field Name of Application Application Perspective)
I Amount of Loan $2.97,400.00 $334,300.00 $36,900.00
Interest Rate 6.80000% 6.47500% -0.33%
Existing Lien $284,210.00 $295,148.41 $10,938.41
Gross Monthly Income $U,500.00 $U,500.00 $0.00
Existing Mortgage Payment $2,409.00 $2,428.00 $19.00
Proposed Mortgage Paymen $2,383.83 $2,501.71 117.88
Total Assets $425,000.00 $530,000.00 $105,000.00
Total Payments $423.00 $470.00 47.00
Borrower's e Worth $U3,366.00 $217,427.59 $94,061.59
Unpaid Balance $301,634.00 $3U,5n.41 $10,938.41
(Annotated copies of both loan applications can be found in TAB FIVE of the attachment.)
• Chase lending specialists listed a grossly inflated amount for business incomes for Susie M. Barnes from a home-office business she co-owned with her husband. This occurred on one of the 2004 applications, this business income was listed at $10,000/month, and on the other 2004
21 Page
Description of 2004/2005 Predatory Lending Practices at Chase Home Finance, LLC.
loan applications this income was listed as $15,000/month. (The business in question, J. H. BARNES & ASSOCIATES actually lost money during 2003, 2004, and 2005.)
• Chase lending specialists listed Susie M. Barnes' marital status as single on both 2004 applications. However, he subsequently listed her marital status correctly on both of the ' flipped' 2005 applications. (We believe that listing the 2004 marital status as single, was instrumental to obtaining approval from the Chase underwriters for the 2004 loan.)
• Chase lending specialists did not list Susie M. Barnes' Race or Ethnicity on either the two 2004 applications, or the two 2005 applications. We subsequently obtained the JP Morgan Chase Bank, NA HMDA data for 2004 through 2006 from the FFIEC.gov website, and this data confirmed that the Phoenix/Scottsdale MSA loan approval rates for Whites (and when no race was specified), were as follows :
o 44% higher than those for Blacks/ African Americans in 2004. o 18% higher than those for Blacks/African Americans in 2005 . o 10% higher than those for Blacks/ African Americans in 2006.
We believe that a key element of Chase lending specialist' s "Stated Income Loan Scam" was not to specified race if the applicant was African American. He (and other lending specialists at this branch) knew that by specifying that the applicant was African American would subject the loan application to scrutiny by the Chase underwriting and HMDA compliance departments. (The HMDA charts in TAB TEN shows, the probability of African Americans being approved for a loan by Chase is markedly lower than either White Americans, or when no race is specified.
• Chase lending specialists created an illegal process for subverting the then accepted Stated Income Lending Process. Stated income loans were intended to enable honest small business owners to qualify for residential home loans, even if they could not verify their monthly income. The illegal process developed by the Chase lending specialists was even worse than the Liars Loans schemes that were prevalent at now defunct mortgage lending companies such as Ameriquest and AIG. (Although our primary concern is rectifying our injustices, we are convinced that the lending specialist and his Direct Team Six colleagues, perpetrated this scam on many other unsuspecting consumers in cities across the US. (We believe that potential applicants for mortgage loans were provided to these lending specialists by the now defunct fax.com company). As illustrated by the two applications for Susie M. Barnes, Chase lending specialists could enter virtually any information on the Uniform Residential Loan Applications and were extremely knowledgeable regarding income to debt ratios, and other information required to meet Chase underwriting requirements. It is apparent, that in addition to a loan application, the only other required documents was a letter from a CPA or tax preparer, and a property appraisal.
Additionally, during the past six months, our inability to obtain the HMDA data for the years 2004 through 2006 dramatically decelerated our attempts to prove that we were subjected to predatory lending practices during this period. I attempted multiple times to find this data on either the JP Morgan Chase Bank website, or on the Internet; and doing this time I was continually told by the Chase Home Finance HMDA department that this data was not available on the Chase website. I was never told that this data was available on the web. A consumer support specialist at the Office of the Comptroller of the Currency informed me that all HMDA data was available on the FFIEC website. Unfortunately, even after I found the HMDA data archive, I was only able to access the Chase 2004 HDMA data using the JP Morgan Chase Bank company name. The HMDA data for years 2005 through 2012 was stored under a different Chase naming scheme. When I requested help accessing this data from the Chase HMDA department, my requests were ignored. However, by using a assortment of JP Morgan Chase Bank names, I finally succeeded in the specified HMDA data by using the name JPMORGAN. After downloaded the HMDA data for the 2005 through 2012 period, I
3I Page
Description of 2004/2005 Predatory Lending Practices at Chase Home Finance, LLC.
was able to perfonn some rudimentary analysis on JP Morgan Chase Bank's home mortgage lending practices for African Americans in the Phoenix/Scottsdale MSA, and selected MSAs in Ohio and New Jersey. (The results of the Phoenix/Scottsdale MSA portion of this analysis can be found in the attached in TAB TEN.)
Servicing versus Ownership Issues
The final outstanding issue for me and my wife is to get a definitive answer from Chase Home Finance regarding the "so-called" Goodbye Letter. It is our belief that JP Morgan Chase Bank, NA is attempting to absolve itself of all damages regarding these clearly fraudulent mortgage loans by claiming that all issues related to these loans is now the responsibility of Select Portfolio Servicing (SPS), LLC. The socalled goodbye letter date October 21 , 2013 from JP Morgan Chase Bank, NA (See copy ofthis letter in TAB TWO of the attached) explicated state that only the servicing of our loan was transferred to SPS, and thus in our opinion, all issues regarding the predatory nature in which these loans were created must be mediated by JP Morgan Chase Bank, NA. In early November 2013, shortly after receiving the aforementioned letter; I personally called the Chase the toll-free number at (800) 848-9136 and requested clarification of the servicing aspects of this loan. I was told by the person answering my call that this was strictly a servicing issue, and that the servicing of thousands of other Chase Home Finance accounts were also being outsourced to SPS. If we had been told anything different, we would have immediately protested the outsourcing of our account, and would have pursued a much more accelerated path to resolving our predatory lending complaints. On March 17, 2014, I sent a letter to Mr. Rodney K. Reuscher in the Chase Home Finance Legal and Compliance Department, requested further clarification of this issue. To date, I have not received any response to this or any of the six requests that I have sent to the Chase Home Finance Legal and Compliance Department.
Summary We are troubled that the senior manager at Chase Home Finance, LLC, Chase Home Finance, Inc., and JP
Morgan Chase Bank, NA has allowed this problem to exist for more than six months without even
speaking directly to either my wife or myself. While I have spoken to liaisons on their staffs on three
occasions, there was never an attempt to understand this problem from our point-of-view. In the
instances when I have spoken to these liaisons, they only appeared to be interested in justifying the
actions of the Chase lending specialist who were responsible for these predatory lending practices. There is a prevailing theory of opinion of issues such as this, and it is that "the cover-up is generally
worst then the crime"; and while we are reluctant to say that this is the case, we believe that with the availability of underwriting logs, scanned applications, transaction logs, recorded conversations, etc., it
is a very simple, straight-forward process to determine if our actuations have merit or not. And further,
with the availability of this information, it should be easy to determine if what happened to Susie M.
Barnes was a one-time aberration, or a pattern of behavior that is continually repeated on a daily basis.
41 Page
Description of 2004/2005 Predatory Lending Practices at Chase Home Finance, LLC.
Attachments :
~ TAB ONE:
~ TAB TWO:
~ TAB THREE:
~ TAB FOUR:
~ Tab FIVE:
~ TAB SIX:
~ TAB SEVEN:
~ TAB EIGHT:
~ TAB NINE:
~ TAB TEN :
Scam Faxes from fax.com Scam.
Select Portfolio Servicing (SPS) LLC. Goodbye Letter.
Summary and Annotated Copies of 2004 Uniform Residential Loan Application .
Copy of 2004 Federal Income Tax Return including Profit and Loss for Business.
Summary and Annotated Copies of 2005 Uniform Residential Loan Application .
Copy of 2004 Federal Income Tax Return including Profit and Loss for Business.
Annotated Copy of 2006 of Uniform Residential Loan Application for Line-of
Credit (Loe) .
Template for Stated Income/" Liar's Loan" Letter.
Lack of Accessibility to JP Morgan Chase Bank, NA HMDA Data.
Analysis of JP Morgan Chase Bank, NA HMDA Data for Phoenix/Scottsdale MSA.
SI Page
,31312004 10:21 :42 AM <- 1 623 979-1827 ->
The Mortgage Experts A.meric:Jls Most Prog~e L~nders
Fax To: Al Employees From: Tom Murphy
Re: New Loan Program Date: December/January
0 Urgent D For Review D rlease Comment 0 Mease Reply D rlease Recycle
Please review!
I think you will find that this is the lowest mortgage rate available today.
We have only $15 million dollars available to lend specially designed for people with credit problems!
• Bankruptcy No Problem! • foreclosure No Problem!
• Bad Credit Is OK! • Self·l!mployed OK!
Instant Phone Approval!
1.25% - NO POINTS/*
800-819-5256 *Based on APR 4.880%. 30 year loan amortization.
**Subject to final lender approval and appraisal review.
Page 1
Using Fax.com to Advertising False and Misleading Home Mortgages
Key Provisions of the Telephone Consumer Protection Act (TCPA) Prohibits Junk Faxing
The Telephone Consumer Protection Act of 1991 (47 USC 227), or TCPA, among other things specifically outlawed junk faxing the use of any telephone facsimile machine, computer, or other device to send an unsolicited advertisement to a telephone facsimile machine.
1. The TCP A also requires a fax transmitter to identify the source phone number and transmitting organization or individual on each page. The process of war dialing to determine what phone numbers reach fax machines was also prohibited by the FCC rules under the TCPA.
2. The TCPA, in particular the junk fax provision, has been challenged in court on First Amendment grounds, but the law has withstood legal challenges.
Internet Search of the Toll-free number (800) 819-5256 contained on the Attached Flyer
Response numbers 800-237-5848, 800-816-0435, 800-670-6024, 800-364-3061, and 800-819-5256 belong to Lighthouse Marketing (shown as a wholesaler), 15440 Laguna Canyon Rd., Irvine, CA 92618, and all ring-through to 949-265-3486. The contact names are Dan Freeman and Erwin Dass. Lighthouse Marketing has about 400 toll free numbers through the same resp org, all of which ring-through to the same number.
FTC Actions Against fax.com
Citation issued to Fax.com, Inc., Aliso Viejo, CA, the fax broadcaster transmitting 12-26-2000
for this client, for possible violations of the Telephone Consumer Protection Act
Citation issued to Fax.com, Inc., Aliso Viejo, CA, the fax broadcaster transmitting 05-31-2001
for this client, for possible violations of the TCP A
Erratum to $5,379,000 forfeiture ordered against Fax.com, Inc. for willful and 03-01-2004 repeated violations of the Communications Act and Commission's rules regarding
unsolicited fax advertising
Fax.com, Inc. shutdown by the FTC and the California Attorney General for 11-01-2006 repeated violations of the Communications Act and Commission's rules regarding
unsolicited fax advertising
-
• ' .
Payments and contact information
Before On or after November 01, 2013 November 01, 2013
Send Chase Select Portfolio Servicing, Inc.
payments• to: P.O. Box 78420 P.O. Box 65450 Phoenix, AZ 85062-8116 Salt Lake City. UT 84165-0450
Chase Customer Service Center Select Portfolio Servicing, Inc.
800-848-9136 Customer Service Contact 800-582-0542 TTY 1-800-258-8602
for questions: Mon-Fri 8 a.m. to 12 a.m. ET
Mon-Thu 8 a.m. to 11 p.m. ET
Saturday 8 a.m. to 8 p.m. ET Friday 8 a.m. to 9 p.m. ET
Saturday 8 a.m. to 2 p.m. ET Regular mail:
Select Portfolio Servicing, Inc. Attn: General Correspondence
Chase P.O. Box 65250 Send written Attn: Customer Support Salt Lake City, UT 84165-0250
correspondence Mail Code: OH4-7302 . to: P.O. Box 24696 Overnight mail:
Columbus, OH 43224-0696 Select Portfolio Servicing, Inc. 3815 South West Temple
Salt Lake City, UT 84115-4412
*Please note: Chase will no longer accept payments after the loan is transferred on November 01, 2013. Please send your payments to SPS, which will begin accepting your payments on November 01, 2013.
If your monthly payment is automatically deducted from your bank account through automatic mortgage payments, this service will be cancelled as of the effective date. You can call your new servicer and ask if they offer a similar service.
SPS will send you a transfer letter with additional information within 15 days after the effective transfer date. If you have any questions before November 01, 2013, please call the Chase Customer Service Center at one of the telephone numbers listed below.
Sincerely,
Chase 800-848-9136 800-582-0542 TTY www.chase.com
---Please see the additional information and frequently asked questions on the next pages.
Chase Home Finance, LLC. 2004 Uniform Residential Loan Application for Susie M. Barnes Ditterence
Loan Field Name
Amount of Loan
Interest Rate
Existing Lien
Gross Monthly Income
Existing Monthly Mortgage Payment
Proposed Monthly Mortgage Payment
Total Assets
Total Payments
Borrower's Net Worth
Unpaid Balance
Chase's Copy of
Application
$288, 700.00 7.82500%
$185,108.00
$15,000.00
$2,023.00
$2,590.06
$0.00
$0.00 -$419,593.00
$419,593.00
Borrower's Copy of
Application
$289,500.00 8.07500%
$186,045.71
$10,000.00
$2,200.00
$2,854.33
$385,000.00
$0.00
$116,301.29
$286,698.71
(Borrower's
Perspective)
$800.00 0.25%
$937.71
-$5,000.00
$177.00
264.27
$385,000.00
0.00
$535,894.29
-$132,894.29
8.075 interest rate shown on
borrower's copy of Application.
$288, 700.00
amount
shown on
borrower's
copy of
Application .
$186,045.71
existing liens
shown on
Borrower's
copy of
Application .
Borrower
shown as
unmarried
although
Mr. Balin
knew that
she was
married
and had
spoken to
her
husband.
Borrower
shown as
owner
rather
than co-
owner of business.
Loan Application Dates 3/03/2004
Property Address (strM(. oty, atal., & Z?P)
7025 W HEARN ROAD PBORIA Arizona 85381
Purpose al Loan COnslruclion Other (explain):
(b) Cost ol 1"1"0YMlenb
Purpose al Aatinance
Debt Consolidation 186,045.71 cost: $
Lender ca.., N...
CB443775GG BORROWER'
Total(a+b)
$
No of Urlts l
Year Suit
inwllalName(S) Manner In wl1ich Tltla wl be held Eolale w~I be held 1n-
-,,-~--,~--~~~,----,~~~~.,,---,,~----,,--~..,-~~~~-'-~~~~~~~~~~~~--1 ~~~-~ 5ouri:e al Down P;iyment, Se-I Charges andltl< Subordinate Flnand"G (explain) o~
cst'ow expirtition -)
Bo<rOW9f's Name (inc!ude Jr. or Sr. I applicable)
SUSIB M BARNBS Social Securlv N..mer
430-70-6967 Homo Phone (ind. .... .-) 006(MM.U0tYYYY) ~
MallrQ AOdrKS, I dllferent from Present AddreS$
7025 W RB.ARN RD PEORIA AZ 85381
. . .: .. ,; ; -~ ~' {:;
Name& Address al~
J H BARNBS AND ASSOC 7025 W HEARN ROAD PEORIA, AZ 85381
A.,.
3 yrs
No. Yrs. Present Address (•net. c:iy, ttate, ZfPJ
Maiing Address, Wd-trorn Present Address
No. Yrs. Former Address (streec. c:.t)', at.1te. ZIP>
Name & Address cl Employer
NA
~ ""°"" tnct . .,... .-1 l'olttJon'Title/'Type ot Buslneu
NA/
No Yrs.
Yrt cn1l'Osjob
oyed In current position 1or less than two years or If curren employed In more than one position, complete the following: & Address of Employel Sol !molayad Dates (lrom - to) Name & Address al Employer Os.i En<'oVOd Oates (from. to)
l'olllon'rrtlo/Type al BusSiess
I Name & Address of EfTl>IOyer
F"9Cklt Mae Forn 65 01!04 Fanni• MM Fo'Tl'l 1003 01AM Pag91 cl4
Momhly Income
-•Pl!Ono(lncl.aieo.-i Positio<v'TitlelTypeotBuslllesa
I Oates (from· lo) Name & Adckess of Employer
0 0 Monlhty Income
a..-... Phcr.ei (incl . .,... c:odt) PodioNTitl91Type oA Business
I
~ ... , __ _ VMP--(800l521·7291
s272s BARNES
0 0 Monlhty Income
Datee (from - to)
0 0
Borrower's
monthly income
shown as
$10,000.00.
V.MOHTHLYINCOMEANOCOMBI EO
0,000.00
Current
monthly
mortgage
payment shown
as $2,200.00. -
NOUCL Altnan,. dUld ·~ Of tepSt•lC '""'"*'H<• inc'orne nelfd not brt '""fltd • Ull eorreww fB} or e+eonow.r (C) don • cnoo.1 to ft.Iv." contJdHN fOf NPltlnO lftlt Soln.
-2,428.30
""""'"".,..,....,."...,Cl>-,.,.. ___ .. and H'Y "'~ ""~ - -. -... - Sia- .,.., Sc.-... ..
Slo!eme<lla!"CI •Ul)IXJ<!lng-. ... ....,.11>e~at>ou111\alapooseals0 ----------~------~------------- Com!llelOd OJ..,uv ID" J UlllilllH and P'ledgcd Auttt Us\ t-.t t !Ct'• ..,,., eoctMa ._"'4 llCaWl'lll Nl'l'IOlit t :::.r
ASSETS ~ dlbls-. itmudnf ~ -.. ~ en.rge ~"!ti. ,.., es·~ .. to&..,, JnOny,
;;g:.,,~"'"''~-•'°".-..--at<l..-P1"-Cll4..,_se....,.l1e-:cl""l>f--'--------'~ ~~~=ot~::.:=:i~~O'~~ c·• MM "• uet
UABILmES =~:::::.: Unpa d B1l1nce
I
380382583062000
.....,no;r----------r--------;--adao'-04 cc- 9,212.00
""""and addr ... Of l!ar*. S&L. or Cr9di ~ S/0 • 199.00/47
7,084.00
• 276 .00/26
$~- s 7,901.00 ... ISCOVER FINANCIAL SVC
• 159 .00/50
""' 601100037025 Name am adc!t ... o1 c.._., SP-Mon 7,867.00
ISCOVBR PINANCIAL SVC • 348.00/23
601100927950 Na.,,.and•:lllre .. ot~ $ Payme•llMCt""° Borrower's
l lfl$Wtl'°ICI l'\tl US YU.
Proposed
monthly
mortgage
payment
Borrower's net unpaid balance
Borrower's
assets shown as
$385,000.00.
e -21N
:2721
385,000.
BARNES
worth shown as
$116,301.29.
Pagll2of .c
• l.9'.00/34 shown as
$268,698. 71. $Plymer- $
46.00/ 40
Is I$
CB443775GG BORROWER 'S COPY
Property Addr (""'"' S n &Ola PS W pend. sale Insurance Net p ent G ess mg "'""' res "' Rertai'~ gage Mainlllnarc>i. °' R WrMtalbelng holdf<lt ....,.,.,;.) • ....,...,. Marl<etVakle Mortgages I Liens Payments Taxe1 & Ml$C. Rental Income
SD SCJIBD11L.B OF RKAL BSTA!l'JI I IWNl :o
Incorrectly
states that
borrower did not wish to
furnish Race
and Ethnicity
information.
Application
completed by
Matthew Balin Chase Lending
specialist.
s $ s s s $
TOlals $ $ s $ $ s USfWf'/•-- ...... : naa .. --.y - ,_,,_ Ind ..... _ 'fllMOIWi&lll .__ ~1-acCOUM nu,.._ .. ,.
5 It you answer ·vn· to 1ny questions a through ~ "-.:..::==='--------~'---------lpleue use continuation.,_ forexp...,.lloft. • Purchase ......
b.
c.
.. o. h.
I.
I k.
AlllMaliDf1s, ~. - .. Land 11 aoounct ~...,,
Floinance (n:l - lo be ...... -Estmated ~~ .. Items
Est mated clotiro coota PMI. MIP. F"""'"" Fee
Discount (j Bo<rOWM wll ~-'
Talll coet.(.odlWMaf'lr--hl See HUD-1 S.--te ...........
Borrower's .......... COlll "°"' bv -Olher creclb {eJC11.aln)
-21N (03051
~Phone N...-pnc1. area OO<le)
(877) 800-4405
P1.093of4
BAJ!llll!S
Mame and Address ol -• Enl>loyer CHASB Ml\NHATTAN BAN1t USA, N.A. Direct Team 6 504 Virginia Drive Fort Washington, PA 19034
CH43775GG
Frocd41 Mao Form 65 Ot.04 F#Wll• Mao Form 1003 01/CM
' '
Continuation Sheet/Residential Loan ADDllcatlon Uoe tt>s con\lnualleln Jheel I you need more apace 10 co!T1lleto the Residential Loan AoollCalion. Marl< 8 tor -orCb co.eon.._
Borrower:
SUSIB X BARNES
DEBTS CONTINtJBD1
FIRST USA BANJI: N A
CBUSASEllS
FIRST USA
CITI
UNVL/CITI
MDIX
ROBINSONS/MAY
RNB - MBRVYNS
AMEX (HUSBANDS)
AMBX (HUSBANDS)
REALl!STATll LOANS1
WELLS FARGO HOMS EQUITY 7414 JBFPBRSON NB 84504013 ALBUQUBRQU!:NM87109 Account No- 038-25830620001
WASHINGTON MlJTUAL !1601 MCALLISTER ll'RBEWAY
Account No- 1766336!1
Account No-
Account No-
Account No-
/\tJfllr>C'f case Number:
Le.-ca.e Nu..-0
CB443775GG
98.oo I s1 4,903.00
97.oo I 45 4,358.00
* 102.00 I 41 4,100.00
* 79.oo I 44 3,466.00
* 58.oo I u 2,428.00
* 62.oo I 34 2,080.00
* 50.00 I 7 306.00
• n.oo I 20 248.00
* 1,725.00
* 7,084.00
* 1,227.00 157,868.45
* !173. 00 28,177.26
IM'e ur ...-- llWI l ls a F_,,. crrno pu- t>Y 11no or~. or bOlh, 10 kmM1!llY make anv false """""""" ~ any ot the ab<JV• facts .. ~ under"'""""'""""' olTlfe 18, UnHd Statas Code. Section 1001 , et seq.
·-21N (0005) .. 12721
Pege4d4
BARNES CB443775QG
Date
Fl9ddie Mk Fom1 m5 0140& FalTie M• Fonn 1003 01/04
BORROWER'S COPY
7_825 interest rate shown on
Chase copy of Application.
Loan Application Date1 3/03/2004
$289,500.00
amount
shown on
Chase's copy
of
Application.
$185,108.00
existing liens
shown on
Chase's copy
of
Application.
Borrower
shown as
unmarried
although Mr.
Balin knew
that she was
married and had spoken to
her husband.
Borrower not
shown as either owner
or co-owner
of business.
&.qoct p~ -· (I•- clly, ....... ZIP) 7025 'If KEARN RD PBORIA Arizona 85381
185,108.00 Tllo Wll l>e hold in-Non.(1)
ON< (explli'I):
l'uqloM Cl Roflnlnc9
(b) COllol ..__
s
Debt Consolidation
Coot' -ln-Tllowll>ehold
Tocol (a+ b)
No olU,,...
1
Es- WI be held In.
~~~~~~~~~~~~~~~~~~~~~~~~~~~~__,i::JFeoSimplo 01:':'::-
-aNamo~Jr.otSr.I~)
SO'SI.B M BARNBS
Co-Bortowtr'a Nlme (lnctudtJr. ot Sr. •~)
-Socunly- Home Phont (- - ccm) DOii~ Ylt-
430-70-6967 623-979-4413 7/25/41 - -
7025 W HBARN RD PISORIA Arisona 85381
~--·-llom--7025 W DARN RD PEORIA AZ 85381
Fotrner Md!-. !"- c.ty, -· ZIP)
Name·-"' en...,,. J II BARNBS AHD ASSOC
Name ll -- "'En1*>Yer
No Yll Pr- -- - dly ....... ZIP)
--(Ind--) ~"'--/
~ (lrotn - to) Name ll Addr-ol £/l1*>YW
0 0
---~· .,..c:odo) -..r-1'en)peol !uslnoaa I
----YMl'---~1·7291
12721 BARNSS CBH3775GQ
$
_,
0 0
YIS. School
No. Yra.
DalM (from • ID)
0 0 __ '""" __ ,
t Existing monthly mortgage
payment correctly shown as
$2,023.00. Borrower
V. MONTHLY INCOME ANO COMSINi:O HOUSING &XPENSEINFORMATIOJ ,----, , monthly GtoH Monthly incom. ...,_
()o.lorr- T- - Prwf / Pr-
income shown -En1'l-· '!< 15,000.00 s s 15,000.00 -- $ I Proposed 0..-. Fht~(P&I) 2 / ,I s 2,390.06
as $15,000. , eonusn ~F~(P&I) I / monthly ~ Huan:l l....anc:. I / 120.62
~ RealEa1ateTaxet I / 79.38 mortgage Mo<1gagt 1....,, ....... I / payment _,.......,,Dues I/ --·- iumer v - incorrectly
for borrower.
Total $ 15,000.00 $ $ 15,000.00 1To1a1 s ' 2,023.00 s 2, 5 ,,,,;: ..... ~ BorToww(•),., be .......... ptel'Wtdtadcldonlf docunwnlltlon ..... w rft.ml Md~~
OMcrtbe Olw tneorn. Notice: Altmony, chic: 8UP!"=r'lo or..,.,_.. nw~ ~ 1.-d not be '9Wllllld It !"'1 aonower <a: SC ot eo.eorrow. (C) dOM noc chooM 1o have• com__, tar 1'9P1Ylnl 1hll loan.
YI. ASSETS ANO LIABILITIES
List checklng and savtngs 8CCOunls below
---"'Bani<. S&I.."' C!ocll Union S FARGO BANJC
380382583062000
Namt and_._ cl Bal*, SM. or C!9dd Union ISCOVBR FINANCIAL SVC
601100037025
~..-~~~~~~~~~-.~~~~~-;Namel!ldaddroosclCompany
ISCOVBR FINANCIAL SVC
601100927950
--··21N (0305J
MonlhlyAmount
s
157,731.00
1,227.00/129
9,99' . 00
* 199.00/51
$~ $ 9,212.00
• 276.00/33
7,901.00
• 159.00/50
$ Paymllll/Mordlla $ 7,867.00
* H8.00/23
$P
• 19'.
Net worth of
borrower is shown
as -$419, 593.00
:272: BARNBS CBH3775GG
shown as
$2,590.00.
Incorrectly
states that
borrower did
not wish to
furnish Race
and Ethnicity
information.
Application
completed by
Matthew Balin
Chase Lending
specialist.
SBB SCHEDOLK OF REAL ESTATE
a. Purdlaoe orbt
b. ~---c. lard (It acquired sepaiately)
d. Relinance rinct - to be oald off) •. Emnaled - llBma
EsJmatod - costa a. Pt.II, t.llP, Fundino Fee
h. OISCOUnt (I Borrower wl """' I. ToOll .... Ca<*lllomoa........,h)
j. s--k. llomMer'• - costs "'"" bv Seier OCho< Crtldls (l>q)laln)
Tolals S
see HUD-1
Present Marltot Value
I-• P!lono Number (i'd. area.-)
(877) 800-4405
12721 ~-21N {0305)
Pmige3r:A4
BAJINBS
Dole
03 2004
Groos Mongage Income Poymema
s
$
Account Number
Dala
Name ard Address of I-• Empbye<
CRASS MANHATTAN BANJt USA, N.A. Direct Team 6 504 Virginia Drive Fort Waehington, PA 19034
Ff9Ckl6e Mc Form 65 01J04 fmnrN .... Fonn 1003 01A)4
Cli443775GG
•
Continuation Sheet/Residential Loan Aoollcatlon use u. ccnlir'Aation 111oet w .,.,.,....,. you---~lo =:!'"-loan SUSIB M BARNBS
Marl< 8 tor CG-Bom>Mf" -orCtor eo.eor-
DBBTS COHTINtJSDi
PIRST USA BANIC NA
CBUSASllARS
PIRST USA
CITI
ONVL/CITI
AMBX
ROBINSONS/MAY
RN8 - MBRVYNS
RBALESTATB LOANS:
WASHINGTON MUTUAL BANK
Account No- 17663369000000
WBLLS PARGO
Account No- TBLBMARJCJITING
Account No-
Account No-
Account No-
·-21N l0305) • i272i
°"" I
BARNBS
PIQl:4ol4
Agency Case~=
Lender case Numbor.
CB443775GG
* 98.oo I 51 4,903.00
97.oo I 45 4,358.00
* 102.00 I 41 4,100.00
* 79.oo I u 3,466.00
* 58.oo I 42 2,428.00
• 62.00 I 34 2,080.00
* 50.00 I 7 306.00
* 13.oo I 20 248.00
* 773.00 27,408.00
* 1,250.00 157,700.00
Dale
__ ._e501A14
Flfnll ..... Form 1003 01/04
CE443775GG
(.
Form 1040
Label (See instructions.)
Use the IRS label. Otherwise, please print or type.
Presidential Election Campaign (See instructions.)
Filing Status
Check only one box.
Exemptions
If more than four dependents, see instructions.
Income
Attach Form(s) W-2 here. Also attach Forms W-2G and 1099-R if tu was withheld-
If you did not get a W-2, see instructions.
Enclose, but do not attach, any payment Also, please use Form 1048-V.
Adjusted Gross Income
. Oeparbnent of !he Treasury - Internal Reverue Service
US. Individual Income lax Return 2004 I (99) lRS Use Only - Do not write or staple in this soace
For the year Jan 1 - Dec 31, 2004, or other tax year beginning • 2004, ending • 20 OMB No. 1545-0074
Your first name Ml Last name Yo11r social securi1y nlll!lber
James H Barnes 410- 64 - 245 1 If a joint relum. spouse's fust name Ml Last name Spouse'• social security number
Susie M Barnes 430- 70- 690 Home address (number and street). If you have a P.O. box, see instructions. Apartment no. • Important! .i 7025 West Hearn Road You must enter your social
City, town or post office. If you have a foreign address, see instructions. State ZIP code security number(s) above.
Peoria AZ 8 53 81 You Spouse
.. Note: Checking 'Yes' will not change your tax or red.Ice your refi..tnd_ Do , or oor spouse if filing a joint return, want $3 to to this fund? ..... . ... . .... :< Yes No X Yes
1 Single 4 Head of household (with qualifying person). (See 2 Married filing jointly {wen if only one had income) instructions.) If the q_.ialifying person is a child
but not your dependent. enter this chi ld's
No
3 Married filing separately. Enter spouse's SSN above & full name here .... _______________ _
name here _ . .... 5 0 Qualifying wido\\{er) with dependent child {see instructions)
6a b 1- Boxes checked
Yourself. If someone can claim you as a dependent, do not check box 6a . . . . . . . . . . . . .... "'and ib . .
S ... .. .. ... ....... . .... . ....... - ..... - ........ .. ..... _ .... - . . . . . . . . . . . . . _ No. of cbildrett ----
c Dependents: (2) Dependent's (3) Dependent's (4) if on 6c wtto: social security relationship qualifying • lived
number to you child for child with you ... tax credit • did not
-~~F_irs_t_n_a_m_e ______ L_a_st_n_a_m_e_+-------+----------t~~-ee_i_ns_trs~)_fivewi~yoa _P_r_e_s_t_o_n_ M __ B_a_r_n_e_s _ _ _____ -+6_._0_0_-_5_3_-_3_5_2_4-+_G_r_a_n_d_c_h_i_l_d __ -+ _ __.._,,......__:,uese':ad,:;~e
(see i119trs) ... _ __ _
------------------t--------;----------;~~~-t>ependents on 6c not
- - ---------------t-------+---------t-__,_:-:'--enwredabove . _ ___ l I I Add numbers
1 -----------------~-------'--------~-~--'--onlne5 .,..
d Total number of exemptions claimed ............ . ........ _ ............ .... _ . . . . . . . . . . . . . . . above . . . . .
7 Wages, salaries, tips, etc. Attach Form(s) W-2 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ,___7_ ,___ ____ 3~, _.Z_3_6_. Sa Taxable interest Attach Scheci.lle 8 if required . .. .. . . . . . . . . . . . . . . . . . . . .. . . . .. .. .. . . . 1--S_a--1-- ------
b Tax-exempt interest Do not include on line 8a ....... _ ..... I Bbl ~-~---------<
9a Ordinary dividends. Attach Scheci.lle B if req_.iired ..... _ ..... .. ... .. ... _ .. . __ ...... _ . . . 1--9_a-+----- ----
b ~~~~ ..... . ...... ..... .... . . .. . ...... . ............... ~I _9_b~l ________ 1
10 Taxable refunds, credits, or offsets of state and local income taxes (see instructions) . . . . . . . . . . . . . . . . . . . . . . ,___10_ ,___ ___ _ _ _ _ 11 Alimony received . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. .. .. .. .. .. . . . . f--1_1-+----- ----12 Business income or (loss). Attach Schedule C or C-EZ . . . . .. .. . . . . . . . . . . . . . . . . . . . . . . . . . ,___12__,,__ ____ -_7~·'-9_3_.Z_. 13 Capital gain or (loss). At! Sch 0 if reqd. If not reqd, ck here . . . . . . . . . . . . . . . . . . . . . . . . . .... 0 13
r--+------- --14 Other gains or (losses). Attach! Form! 4797 ....... ..... ... . .. .. .......... .. _ . . . . . . . . . . . 1--14---1--- -----lSa IRA distributions . . . . . . . . . 15a I b Taxable amount (see instrs) . . ,__15_b--+-----3~,_3_6_8 ___ . 16a Pensions and annuities . . . . 16a b Taxable amount (see instrs) .. r-1_6_b+-____ l_0_,,_9_7_.Z_. 17 Rental real estate, royalties, partnerships, S corporations, trusts, etc_ Attach Sched.lle E . . ,__17_,__ ______ _ 18 Farm income or (loss). Attach Scheci.lle F . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ,___18_,__ _ _ _ ___ _ 19 Unemployment compensation . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19 20a Social S1lCl!ritybenefits ......... I 20a l I b Taxable amount (see instrs) .. t--20-b--1------ --
21 Other income _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ 21 22 Add the amounts in the far ri!tlt column for lines 7 thr~ 21. This is your total income .,..;-22--i--- ---9-,-6- 4- 4-. 23 Eci.lcator expenses (see instructions) . . . . . . . . . . . . . . . . . . . . . . 1--23_1---------i 24 Certain business expenses of reservists, perfonning artists, and tee-basis
government officials. Attach Form 2106 or 21CX>-EZ . . . . . . . . . . . . . . . . . . . . 24 t--- t----------1
25 IRA deduction (see instructions) ....... . .... . .......... _ . . . 1--25__,,__ ______ __,
26 Student loan interest deduction (see instructions) ... .... . ... ,__26___,,__ _______ , Zl Tuition and fees deduction (see instructions) . . . . . . . . . . . . . . . V
t--+-------- - 1 28 Health savings account deduction. Attach Form 8889 . .... .. 1--28__,,__ _____ __
1 29 Moving expenses. Attach Form 3903 . . . . . . . . . . . . . . . . . . . . . . . 29 30 One-half of self-employment tax. Attach Schedule SE .. .... . r-30-+--------- -i
31 Self-employed health insurance deduction (see instrs) .. .. ... r-31-+----------i 32 Self-employed SEP, SIWPLE, and q_.ialified plans . . . . . . . . . . . 32
t---t--------- --1 33 Penalty on early withdrawal of savings . . . . . . . . . . . . . . . . . . . . . 33
l---l----------1 34a Alimony paid b Recipient's SSN . . . . .... . . 34a 35 Add lines 23 through 34a . . . . . .... .. . . ...... . .... ........ . ..... . ~ .. - .-. -. . ~.-. -. -.. -.-. -.. -.-. -.. -.-. -. -. __ , 35
36 Subtract line 35 from line 22. This is your adjusted gross income . . . . . . . . . . . . . . . . . . . . . •t-36-+------9- ,- E- 4-4- .
BAA For Disclosure, Pnvacy Act, and Paperwork Reduction Act Notice, see instructions. FDIAOll 2 11 /1 OJ04 Form 1040 (2004)
l
SCHEDULEC (Fonn 1040)
Deparbnent of the Treasury Internal Revenue Service
Profit or Loss From Business (Sole Proprietorship)
• Partnerships, joint ventures, etc, must file Fonn 1065or106>8. •Attach to Form 1040or1041. • See Instructions for Schedule C (Fonn 1040).
OMB No. 1545-0074
2004 09
Name of proprietor Social llt!CUl'tty number (SSN)
James H Barnes 410- 64 - 2451 A Principal business or profession, inducling product or service (see instructions)
Internet Develooment
B Eder code fnim instntctions
.. 541510 C Business name. If no separate business name. leave blank. D Employer ID number (BN), if any
BE - 08548 1 5 E Busmess address (includmg suite or room no.) •_] Q;_ 5_ ~~s_t _!:!_<:_a_!'!:!_ Jl:SJ~c.!.. __________________________ ____ __ .
City, town or post office, sbte. and ZIP code Peoria, AZ 8 5381
F Accounting method: (l) 0 Cash (2) 0 Accrual (3) 0 Other (specify) • _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
G Did you 'materially participate' in the operation of this business during 2004? If 'No,' see instructions for limit on losses . . . fil Yes -n No
H If you started or acquired this business during 2004, check here . . . . . .. . . . . . . . . .. . .. . . . . .. . . . . .. . . . . . . . . .. . . . . . . . . . . . . . . . . • n !Part I I Income
Gross receipts or sales. Caution. If this income was reported to you on Form W-2 and the 'Statutory employee' box on that form was checked, see the instructions and check here
2 Returns and allowances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ....... ... .... .
3 Subtract line 2 from line 1 ............................. .. ... ... .............. .. ....... .
4 Cost of goods sold (from line 42 on page 2) . .. . .. . . ..... . .. . .................... ..... .
5 Gross profit. Subtract line 4 from line 3 . . ................. . .... . . .. ....... .
6 Other income, including federal and state gasoline Of fuel tax credit or refund
7 Gross income. Add lines 5 and 6 ..................... . .... .... . . ............................. .. .. . . . .. IP rt II I E a xoenses. Enter expenses for business use of your home only on line 30.
8 Advertising ... .. . . . . . . . . . . ... . 8 375 . 19 Pension and profit-sharing plans . .. . .. ..
9 Car and truck expenses 20 Rent or lease (see instructions): (see instructions) · ············ 9 ~,58E. a Vehicles, machinery, and equipment .. ...
10 Commissions and fees . . . . . . . . 10 0. b Other business property .. ····· · ··· . . . ..
11 Contract labor 21 Repairs and maintenance ............ .. . (see instructions) . ············ 11 0 . 22 Supplies (not included in Part Ill) . . . .. . . .
12 Depletion .... . ..... .. . . .. . . . 12 0 . 23 Taxes and licenses . . . . .... . . . .. . . ..... 13 De~reciation and section 24 Travel, meals, and entertainment:
17 expense de<i.Jction a Travel (not included in Part Ill) ... .. .. ... ················ ······ (see instructions) . . .. ··-· ... . . 13 576 . bMeals and
14 Employee benefit progams entertainment ... . 7 8 . (other than on line 19) .... . .... 14 0 . c Enter nondeduc-
15 Insurance (other ttlan healttl) 15 306. tible amount in-... eluded on line
16 Interest: 24b (see instrs) . . 39 . a Mortgage (paid to banks, etc) ........ 16a 0 . d Subtract line 24<: from line 24b . . . . . . . . . . bOther ..................... . .. 16b 0 . 2S Utilities .. ... ...... ........... ....... .
17 Legal & professional services . . 17 147. 26 Wages (less employment credits) . . ... . .. 18 Office expense . . . . . . . . . . . . . . 18 367. Zl Other expenses (from line 48 on page 2) . . . . . . . .. 28 Total expenses before expenses for business use of home. Add lines 8 throug-J 27 in columns . . . .. . . . . . . . .. 29 Tentative profit (loss). Subtract line 28 from line 7 .... . .. ... ........ .. .. . .... ....... .. . .. . ... .... ... . .... 30 Expenses for business use of your home. Attach Fonn 8829 . . . . .. .. .. . .. . ·-······ · · . .. ......... .. . . ... .. 31 Net profit or (loss). Subtract line 30 from line 29.
-• If a profit, enter on Fonn 1040, line 12, and also on Schedule SE, line 2 (staMory employees, see instructions). Estates and trusts, enter on Form 1041, line 3. .. . . . .. . .. .... J • If a loss, you must go to line 32.
32 If you have a loss, check the box that describes your investment in this activity (see instructions) .
• If you checked 32a, enter the loss on Fonn 1040, line 12, and also on Schedule SE, line2 (statutory employees, see instructions). Estates and trusts, enter on Form 1041, line 3.
• If you checked 32b, you must attach Form 6198. }
1 3, 175. 2 0. 3 3,175 . 4
5 3 , 175. 6 0 .
7 3 ,1 75.
19 0 .
20a 0 . 20b 0 . 21 217. 22 512. 23 63 .
24a 5 6 .
24d 39. 2S 947 . 26 0 . Zl ';' I 9 1 6 • 28 11,1 07 .
29 -7,93Z . 30 0 .
31 - 7,93Z .
hrl All investment is 32 a E':J at risk.
Some investment 32 b 0 is not at risk.
BAA For Paperwork Reduction Act Notice, see Fonn 1040 instructions. Schedule C (Form 1040) 2004 FDIZDll 2 05IOGA'.l4
Chase Home Finance, LLC. 2005 Uniform Residential Loan Application for Susie M. Barnes
Chase's Copy of Borrower's Copy of Difference (Borrower's
Loan Field Name Application Application Perspective)
Amount of Loan $297,400.00 $334,300.00 $36,900.00
Interest Rate 6.80000% 6.47500% -0.33%
Existing Lien $284,210.00 $295,148.41 $10,938.41
Gross Monthly Income $12,500.00 $12,500.00 $0.00
Existing Mortgage Payment $2,409.00 $2,428.00 $19.00
Proposed Mortgage Payment $2,383.83 $2,501.71 117.88
Total Assets $425,000.00 $530,000.00 $105,000.00
Total Payments $423.00 $470.00 47 .00
Borrower's Net Worth $123,366.00 $217,427.59 $94,061.59
Unpaid Balance $301,634.00 $312,572.41 $10,938.41
6.8 interest rate shown on
Chase copy of Application.
Loan Application Data• 3/16/2005
$297,400.00
shown on
Chase's copy of
application.
5uqect ~ Addreas - c.1y • ..-. • Zl'l 7025 WBST BBARN RD PBORXA Arizona 85381 Legal 0esCf1)11on o1 SubJOCI Propeny (attacll de~ W nec:eswy)
LenderClse
LG118648GG
.. Jn•• 1
Yell Bui:t
P\lrpooeolLoan Olhef (explaln) "'-wilbe ,m=z- o=: o .... e.._.. (bl Colt oil--
$
Purpoce of Rofinance
Debt Consolidation
$284,210.00
existing liens
shown on
Chase's copy
of
Application.
Estate WI be hllll in
1..,-,Down,..--~Pay,..--....._-~Set,.....,.llltd-.-..... -~Clwgea-·--aM'cw-,,--S<bordnate,,..,--,,--=,~-~- -,-(upllin)-,-~' ,.----~~--------------tE3~::: 1--·_,
Borrower
shown as
married but
none of the
co-borrower
information
included on
the loan
application
Name of
business
different from
name on
Chase
application.
Borrower not
shown as
either owner
or co-owner
of business.
7025 WBST HEARN RD PBORIA Arizona 85381 Mallng Ad<nu. 'dif!.,tnt from Pr-.t Addreu
7025 WBST KBARN RD PBORll AZ 85381
Namt&.--ol~
BARNBS AND ASSOC
Ren! No Yrs.
Yos. onlllis~
3
No Vrs
Fonner -- I'-. Cily, - ZIP) Rant No. Yrs
-_, __ .,,~
M<lress of~ Seit~ Dates (trom ·to) Name & Address of El!'4llOYel s.tt Emol<yed Oat <"°"' 10:
0 0 I MonoNy •ncome
-~-----.-_e_____ lk;acnet~l« .... C'IWlf) ...,.,..... Pf.or'li91 ~ c.: .,.. ocoet PoeittWV'Tllle/Tr.,>e of~·
I I Name & Address ol Employer o-~ 0etet (ftom • ID) Name&Addronof~
0 0 0 0
$
-----21N - ....,.---·7Ztlt
: 272: BAIUO!S LG1186t8GG
Borrower Current monthly monthly
income shown
as $12,500. mortgage
'\. Proposed monthly '\. V. MOtn"HLV INCOME AND COMI payment IUATlON
~--llorr- Cc>llotr- incorrectly - Pr- mortgage
\..- "' 12,500.00 ~ 1. s payment ~\.. shown as \. 2,409.00 s 1,938.83
$2,409.00 \. I incorrectly shown eomn...-" \.. '
~ Oivldondlllnleteol" \.. should be '\ as $2,383.83. Net RMlbl lncomo ~
~ VUlOf-- " #2,854.33. ..... "'*=• lf\ .dlleftbt
' o:hlrW'ICOrN .• blilow) I
Tolal s 12,500.00 s $ 12' 500. 00 tra111 $ :l,'609.00 s 2 , j8J .113 ·s.a~_,_ ... _... .. ,,, ____ ..... _...., __
Dosctl>IOllll<- - : --· -d _.. or - - _,,. - ftOI bo .-IO<I I IM ... ,_ ti) BIC or~tC)_noc_tohlve~"'"'-'°''"""'"'9111slcon. I -yAmwnt
I I
VI. A~-.:s. A.Nil I
~Ust;:"":~:;:;::::-:::::;-=::i::=:-=::::=:=-.::-::::~,.------~
Name and - OI-. S&I.. or C>edit Union
Name- oddre11 cl Bat*, Sil. orCtedil lkDI
lb lllllltatU net cash·Foce omount S
Subtotal Liquid ASHia Rffl nta owned (enter matklt value - .. -...... ~
Borrower's
assets shown as
$425,000.00.
--21N <0>051
$
s
425,000.00
---: 272: BARNES
NameandallclreSsotCompany SPa~ 9,435.00
ISCOVBR FINANCIAL SVC
"° 6011000370:15
ONE BIC
- 4862362:11:170
OP AMBRICA
Borrower's net
worth shown as
$123,366.p.
123,366.00
LG118648GG
189.00/50
SPayment/Montlls 6,959 . 00
208.00/34
S P•yrfMl<WMonlllt 1,030.00
26.00/40
SPa~
I
I
$ Paymenl/Monll1o
I
Borrower's
unpaid balance
shown as
$301,634.00.
Total monthly
payments
$423.00.
Schedule of Rul Estate Ow1*I (N - ptOl'el1iel are owned, UH conli>Jalion -)
Prm Address (enlo< SI told, PS I ptne*lg- Typo GI P.-ent - GI Qt f renlll being held to< income)
" ,._ Mal1<e!V- -·i.-
SD SCHKDULS Ol' REAL BSTATI: C IWHI~ $ s
TOWS s s ~any.....__ naf111S-- .. ,_,-·-·-Pf'"-·-· ·-w- ·- ·--IOPIOllf1119 ·-·--•J
..
x
Loan Application Date• 3/16/2005
r .. innce. Net Renlal Income ~· ~ Rental lncomt
$ s $ s
s s s s ••
Viitb~
Dare Incorrectly
states that
borrower did X..INFORMA.TIOJll FOR GOVERNNENI' MONITOfl!NG PURPOSES . .
not wish to
furnish Race
and Ethnicity
information.
Application
completed by
Matthew Balin
Chase Lending
specialist.
Int.,.,.._.. l'llone N<.r!lbet (ilel. orea cooe1
(877) 800-4405
BARNES
Ill.A.
504 Virginia Drive Fort Kaahington, PA 19034
LG11864800
i
Continuation Sheet/Residential Loan Aoollcatlon Borrower:
SVSIB BARNBS
DBBTS CONTINUBI>z
RBALESTAT& I.OANSz
CRASB MANHATTAN MORTQA
Account No- 15791890
Account No-
Account No-
Account No-
Account No-
* 2,409 .. 00
Agency Case Number
L.-C-
LG118H800
284,210.00
_..,_ ....... - .... ...-by ..... ~ «baft. lo-W -any-- .,..._,q ..,c1 .. -. - as~<nlor .,.pnMoianoclTill 111. '-'--Codo. Sec11an 1001.•-
Dale
I ·21N f0305J
....... r272z LG1186UGG
6.475 interest rate shown on
borrower's copy of Application.
$334,300.00
amount
shown on
borrower's
copy of
Application .
i.o.n Af>plication Date : 3/16/2005
11-i& .,
o lhe-orn-olaper.oon _, ... ""._ •• _,.,,...,..,_.., D ... - "' - o1111e 11orr-. ._
· bul"'"ar'-lobililoos muslbe- _ .. _ - in•~ II'-"_._ .--'1 - ..... - ·~on- 111-'Y - In o_,.,..,;iy _,,, - ••-lot
Existing liens
mortgage payment
shown as
$295,148.41.
LG118H8GG 80RROelKR '
Tolll(a • b)
$
0 .-0 .. .,...-
Borrower
correctly
shown as
married.
Sociols-riy- Homo Phone(...._ - codo) 008 (WIOOttYYVI YOL
•30-70- 6967 623- 979- .. 13 07/25/lHl Sdoool -
Homo - ( lnO. - codo ) 008C>MOQtYYYY) v ... 00/00/0000 School
Name of
business
different
from name
on Chase
application.
Borrower
not shown
as either
owner or
co-owner
of
business.
7025 • DA1UI llD PSOall Arizona 85381
~--.·----· 7025 DST DAlUI RD PEORIA AZ 85381
-&-al~
l'l>oiloanlTilo-ol-1
0 0
$
No.VIS. i.io. Yrs.
- NO. Yrs
--r--codol
0 0
$
0 0
I
11111111 LG118H8GG BClRRO'IZR'S COPY
_ _,_ - .,.__ , ... - -8-Empjlncotne' s 12,500.00 s :s 12,500.00 Roni s . .,,;.-~,;;;;~>;;.///'.·! a-- IF..i~(P&ll 2,428.00 s 2,107.52
---~ - ptwF~(P&I)
~ -- 123.85 0- RMl~TM• 270.34 ,,. __ t.lor1flaOO "'""'"""•
Borrower's ~ ·--.0-
monthly income C»w-.. -- 500.00 :s s 12,500 . 00 'Total s 2,428 . 00 s 2,501 .71
shown as ~~~ .... --~.,,,.... ............................. flllb#M .................... -""-- ~ ~ ... ....-t. ........ .....___ ........... be,........... .............. !ISi
$12,000.00. lllC -~fC} .............................. ...,..,.. .. ..._ ,_
' 111.,.,.,..,,5 .. ·-
ISCOVER FlllANCIAL SVC
---al-.S&. . .,,c-~
--_,_,~_
-&~)
S..btoUI Liquid~ ___ , __ ,_ """'_"' ___ ,
s
s
$
.......... ~-----------< --al~
530,000.00
$530,000.00
assets shown for
borrower. 1---1---------lP070wed
!---'------------/
---~N -
:272: BAIUIS LG118648GG
.......,Amount s
'
236.00/40
6,959.00
08.00/34
·~ s 1,030.00
26 . 00/40
I
·~- s
I
Net worth of
I borrower is shown
as $217, 427.59
Unpaid balance of
borrower is shown
as $312, 572.41
BORROWER'S COPY
Monthly payments
shown as $470.00
Incorrectly
states that
borrower did
not wish to
furn ish Race
and Ethnicity
information.
Application
completed by
Matthew Balin
Chase Lending
special ist.
!"-'Y--(- S •IOld PS-~or Rl-beng heldfor""'°""')
SEE SCHEDULE OF REAL &STAR
---
m
_ .. -··-$
Loan application Oat. : 3/16/2005
1. Ne you a co-mpercw ___.on a rode? Ara yo;.·~ ii 5· u..;,;,. • ... ,,,..,... . .,.,,,_,.""""_' ="'::':~~r=-~ mbekM
Nome...tlldcnnoll-·~
CHASE BANI{ OSA, . A .
°""' Direct T•aa 6 sot Virqinia Ori.-
-----No-(rd.--aide)
(877) 800-UOS Fort Waahinqton , PA 1 9034
: 272 : BARNS LG118648GG BORIWlllUl ' S COPY
Continuation SheeUResidential Loan Aoolicatlon -SUSIE M BABNS
REALBSTMB LOANS:
CHAS& 10790 lUINCJIO BERNARDO RD PHOENIXAZ Account No- 15791890
Account No-
Account No-
Account No-
Account No-
* 2,428.00 295,148.41
llWe U, - .,. • • ·- CMIO putllll*- by h or..,,,_.,_,._ or - ID - ,,_ ...,, ..... -- - .., ol ht -__ _....-.. ...,,.,..,..c1Ti 1a.~~Coc1e-•001 •-
x
-"21N !D3001
:272: LG118648GG BOlUIOilZR'S COPY
Form 1040
Label (See instructions .)
Use the IRS label. Otherwise, please print or type.
Presidential Election Campaign
Filing Status
Check only one box.
Exemptions
If more 1han four dependents, see instructions.
Income
Attach Form(s) W-2 here. Also attach Forms W-2G and 1099-R if tu was withheld.
If you did not get a W-2, see instructions.
Enclose, but do not attach, any payment. Also, please use fonn l040-V.
Adjusted Gross Income
Department of !he Treasury - Internal R"""'1Ue SeNice
. . U S Individual Income Tax Return 2005 I (99) IRS Use Only - Do not write or staple in this soace
For the year Jan 1 - Dec 31, 2005, or other tax year beginning ' 2005, ending ' 20 OMB No. 1545-0074
Your first name Ml last name Yoar social se;;urity number
James H Ba rnes , Sr . 410-64-2451 If a joint return, spouse's first name Ml Last name Spouse's social security number
Susie M Barne s 430-70-6967 Home address (rumber and street). If yoo have a P .O. box, see instructions. Apartment no. You must enter your
Road i social security
i 7025 West Hearn number(s) above. City, town or post office. II yoo have a foresgn address, see instructions. State ZIP code
Che(:king a box below will not Peoria AZ 8 5381 change your tax or refund.
~ Oieck here if you, Of }Our spouse i fil ing iomtly, want $3 to go to this fund? {see instructions) . _. . . . . . . . . . . . . . "' ~You ~Spouse
1 S ingle 4 Head of household (with qualifying person) . (See
2 u~-ied t·i· · · ti ( ·t 1 ....... · ) instructions.) If the qualifying person is a child ,.l<tt, 'mg iom Y even' on Y one •fdU mcome but not your dependent. enter this child's 3 Married fil ing separately. Enter spouse's SSN above & fu ll name here ... ______________ _
name here . . "' 5 0 Qualifying wicf-Ow( er) with dependent child (see instructions)
6: ~~='-. If.~~~~ ~~-n c-l~i-~. ~~- as_ ~-~-~~~ .. . do.~~ -c~~~k -~~~ .~ -. . .. ]- =~~a=~:~ ___ 2_
c Dependents: (2)Dependent's (3) Dependent's (4) if o•6cwtio:
social security relationship ~q.Jaid 11ifying0r ·~1.1d • Hved number to you c•l~d "" with you . . . . . ----
tax credit • did not __ (~1~)_F_1_·rs_t_n_a_m_e ______ l_a_s_t _na_m_e_+---------+-----------t~(s_ee_i_ns_trs~>- live with you
_P_r_e_s_t_o_n __ .M_B_a_r~n_e_s ___ _ _ _ _ -t-6_0_0_-_5_ 3_-_3_5_2_4-+-G_r_a_n_d_c_h_i_-_1_d __ -t---':=:'--- ~~:e~~;~e (see i11strs) . .. ___ _
-----------------+--------+----------t~~--'--[)epeadents on 6c not
~-~---------------t--------+---------;c--~--'--enteredabove . ____ 1 I I Add numben1 /
Oft Ii- ... above ..... d Total number of exemptions claimed ................. . .. . . . .. . .. ___ .. ..... . . _ . ....... . .. .
7 Wages, salaries, tips, etc. Attach Form(s) W-2 ....... . .... .. ........ . ............ _ .. . . 7 25,407 . Sa Taxable interest. Attach Schedule 8 if required ..... _ .................. . .......... . .. , . Sa
b Tax-4!xempt interest. Do not include on line 8a .. . ... . . . ... I Bbl ~-~--------·
9 a Ordlnary dlVldends. Attach Schedule B if req.i"red . . ..... . . _ .......................... . 9a
b &:1~~~ . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . '~9_b~' - ---------i 10 Taxable refunds, credits, or offsets of state and local mcome taxes (see instructions) ........ , ...... . ...... 1--1_0-+---------11 Alimony received . . . . . . . . . . . . ..... . ............ . ................. . ..... . ...... . .. . 11
-11 , 151 . 12 Business income or (Joss). Attach Scheci.lle C or C-EZ ... . ...... . .... . .. . ......... . . .. .
13 Capital gain or (loss). Att Sch D if reqd. If not reqd, ck here . . . . . . . . . . . . . . . . . . . . . . . .. "' 0 12
13 14 Other gains or (losses) . Attach Form 4797 . . . . . .. _. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14
15a IRA distributions . : .. . ..... · I 15al I b Taxable amount (see instrs) . . 1--15_b-+----- ----16a Pensions and annuities . . . . 16a b Taxable amount (see instrs) .. 16b 10, 972 _
/--+------~---
17 Rental real estate, royalties, partnerships, S corporations, trusts, etc. Attach Schedule E .. 1--17_1---------18 Farm income or (loss). Attach Schedule F ....................... _....... . .......... .. 18 19 Unemployment compensation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . r--19-r----------
20 a Social security benefits . . . . . . . . . 1 20 a I 2 4 , 913 _ I b Taxable amount (see instrs) . . 20 b 2 8 4 3 21 Other income
1 f-21--+------"'-''-'-=-=--'--
22 Add the arnou-;:;tS in th; tcir r iCiit cof;:;-mn fa:;: ttne;, l ttif ru~ 21-:-This iS yrur - W j ,;coo; -.,: 22
23 Eci.lcator expenses (see instructions} . . . . . . . . . . . . . . . . . . . . . . 23 24 Certain business expenses o reservists, performing artists, and lee-basis 1--r----------i
government officials. Attach Fonn 21 (JJ or 21 {JJ-EZ . . . . . . . . . . . . . . . . . . . . 24 25 Health savings account deduction. Attach Form 8889 ....... . 1--25-+---- ------i
26 Moving expenses. Attach Form 3903 . . . . . . . . . . . . . . . . . . . . . . . 26 'Z1 One-half of self-employment tax. Attach Schedule SE ....... ,__Z7_+-_______ _,
28 Self-employed SEP, SIMPLE, and qualified plans . . . . . . . . . . . 28 l---+----------1
29 Self-employed health insurance deduction (see instructions) . . . . . . . . . . . 29 30 Penalty on early wfthdrawal of savings . . . . . . . . . . . . . . . . . . . . . 1--30-+--- ------•
31 a Alimony paid b Recipient's SSN . . . . "' . . 31 a 32 IRA deduction (see instructions) . . . . . . . . . . . . . . . . . . . . . . . . . . . 1--32-+---------i
33 Student loan interest deci.lction (see instruc ·ens) . . • . _. . . . . 33 34 Tuition and fees dedJcbon (see instructions) _ ........... _ .. ,__34 _ _ ___ ____ _,
35 Domestic production activities deduction. Attach Form ll9l3 . . . . . . . . . . . . . 35 36 Add lines 23- 31a and 32 - 35 .............................. . _ .... ~. -.. -.-. ~ .. -.-.-_ -.. -.-. -_ .-.---.. -.-. -. . ---+--36__,
28 , 071.
~ Subtract line 36 from line 22. This is your adjusted gross income . . . . . . . . . . . . . . . . . . . . . .....-'37------2-8-,-0-7_1 __ BAA For Disclosure, Pnvacy Act, and Paperwork Reduction Ad Notice, see instructions. FDIAOJ 12 II AJ7Al5 F orrn 1040 (2005}
SCHEOULEC (Form 1040)
Department of the Treasury Internal Revenue Service (99) Name of proprietor
Profit or Loss From Business (Sole Proprietorship)
... Partnerships, joint ventures, etc, must file Form 1065 or 1065-8. ... Attach to Form 1040or1041. ... See Instructions for Schedule C (Form 1040).
OMS No. 1545-0074
2005 Attachment Qg Sequence No.
Social securtty number (SSH)
James H Barnes , Sr. 410-64-2451 A Principal business or profession, indoding product or service (see instructions} B EJdu code from instructions
Internet Deve1oPment ... 541510 C Business name. If no separate business name, leave blank. D Employer 10 number (ElN), if any
86 - 0854 815 E Business address (including suite or room no.) ... 7025 West Hearn Road
City, town or post office, state, and ZIP code p~~;i~~ -Az- BS3-8}.- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -- - ·
F Accounting method: (1) Ii'] Cash (2) 0 Accrual (3) 0 Other (specify) ... _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
G Did you 'materially participa.te' in the operation of 1s business during 2005? lf 'No,' see instructions for limit on losses ... fil Yes .... -n No
H If you started or acquired this business during 2005, check here . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . M !Part I 1 Income
Gross receipts or sales. Caution. If this income was reported to you on Form W-2 and the 'Statutory employee' box on that form was checked, see the instruc ions and check here
2 Returns and allowances . .. ...... .... . .... . .. . ...... .. .. ......... . .............. . . ............. .. . ... .
3 Subtract line 2 from line l . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ... . .... .. .... ... ...... . .. .. ... . 4 Cost of goods sold (from line 42 on page 2)
5 Gross profit. Subtract line 4 from line 3 . .... . .... .. . ........................ ... . .. . . ....... . . . ...... . . .
6 Other income, including Federal and state gasoline or fuel tax credit or refund
7 Gross income. Add lines 5 and 6 .............. .. . ........ . ... . ..................... .. .... .. ........ .
IP II I E art xpenses. Enter expenses for business use of your home only on line 30. 8 Advertising . . .... ... ... . . . .. . . 8 287 . 18 Office expense ' . ... .......... . .. . · · · ·· . 9 Car and truck expenses 19 Pension and profit-sharing plans
(see instructions) .... ......... 9 3,446 . 20 Rent or lease (see instructions):
....
10 Commissions and fees .. . ... . . 10 a Vehicles, machinery, and equipment ... . .
11 Contract labor b Other business property . . .. . . . . . ·· · ·· .. (see instructions) ..... . .. ..... 11 21 Repairs and maintenance ....... .. . . ....
12 Depletion . .. . .. .. . .... . .. . .. . . 12 22 Supplies (not included in Part Ill) . . . .. ... 13 Depreciation and section 23 Taxes and licenses .. . .. .. . .. . .... . . . ..
179 expense deduction 24 Travel, meals, and entertainment tot included in Part 111) see instructions) .......... ... 13 3,677 . a Travel . .. . . . . . . . . . . . . . . . . . . . . . . . . . . ...
14 Employee benefit programs (other than on line 19) ......... 14 b Deductible meals and entertainment .. ...
15 Insurance (other than health) .. 15 430 . 25 utilities .. .. .. . .. . .. ............ . ... . 16 Interest: 26 Wages (less employment credits) .. . . .. .
a Mortgage (paid to banks, etc) .. . .. .. 16a 0 . 27 Other expenses (from line 48 on page 2) . ........ b Other ............ ....... .... . 16b 0.
17 Leoal & professional services . . 17 75 . 28 Total expenses before expenses for business use of home. Add lines 8 through 27 in columns .... . .. ... .. ....
29 Tentative profit (loss) . Subtract line 28 from hne 7 . . . . . . . . . . . . . . . .. .. ······· · .... . . .. .... . . . ... . .. .. . ...
30 Expenses for business use of your home. Attach Form8829 .. ... ······ · ······· ······· ... .. · · · ··· · · ·-· · ·· 31 Ne1 profit or (loss). Subtract line 30 from line 29.
• If a profit, enter on Fonn 1040, line 12, and also on Schedule SE, line 2 {statutory employees, see instructions). Estates and trusts, enter on Form 1041, line 3. ... . . . .... ·-·· • If a loss, you must go to line 32. }
32 If you have a loss, check the box that describes your investment in this activity (see instructions).
• It you checked 32a, enter the loss on Form 1040, line 12, and also on Schedule SE, line 2 (statutory employees, see instructions). Estates and trusts, enter on Form 1041, line 3. } • If you checked 32b, you must attach Fonn 6198. Your loss may be limited.
1 2,980. 2 3 2,980. 4
5 2,980. 6
7 2,980 .
18 268. 19
20a
20b 21 365 . 22 289. 23 74 .
24a 0.
24b 0 . 25 1 .056 . 26
27 551.
28 10,518 .
29 -7,538 . 30 0 .
31 -7,538 .
i;;i All investment is 32 a ~ at risk.
Some investment 32 b 0 is not at risk.
BAA For Paperwork Reduction Act Notice, see Form 1040 instructions. Schedule C (Form 1040) 2005
FDIZ0112 11114/05
I
Interest Rate
of 9.25 %
Loan was
not a
refinance it
was an LOC
to be used
to help pay
monthly
bills.
Loan .Application Date: 4/04/2006
llcatlon -- • dollgned to be ~ bl' tho ~·> w Ill tho • ... .. tance.
"1ould oomplole it. fonn es - er •eo.ac.r-.• • appilcable. eo.&>m>w. mutllbobepn>Ylded(ondlhoappropnateboxchecl<ed)whon D tho,,_.,. er --lhonlho- f~ .. _..... -) wlbeusedaobmislorla9n
Olho ""'°"'"or- oflho-• - or-'*""" who has nghla P<"""l"ll ID - loW wl nol be .- aa a i- for loon qualllicatiDn, but
,,..,., be conaidered becamo lho apouao er - "°"""' has c:omrrnnly pmporty
.. .,.. 1aw onc1 eo- - 1n • corM1Un11y pmpony ·-· tho oocuntt corrmuntty pmpony stato or lho - 11 roly>ng on - property localod
... baslt for-~ of tho loan.
Cl4her (•"""""):
an .
Co-Borrowor - - that - - .. "PlllY for j01111Ct9dlt(1ignbolow):
-Lender ca... Numbet
LG305062BH BORROW
No.of Units 1
Property ... be:
oo~o=o-(b) Cost ol ltnproven.u TOlll(I •b)
s Purpoao of RetNnce D.- D1obe.-Debt Conao1id&tion
Cool$ E.slaW W> be held 111:
~~~~~~~~~~~~~~~~~~~~~~~~~~-'-~~~~~~~~~~~~~IJO~ .. ~ SouroeolOown"-1!.-Chorgoa,..-Subordi.-F~(-) 0.,_~-
Borrowor's No-(ondudo Jr. or 5'. •f appllcablo) SUSIE M. BARNES
7025 W BEA!Uf RD PEORIA Arizona 85381 Ma.""l!MdtMs.•-from--7025 W HEARN RD P&OlUA AZ 85381
No.Yrs.
Former Addrw. ,_ ec,. - ZIP) R.... No. Yr&. f .,,_ - (..,_ city,-· ZP)
Nlme&Add ... olEfT1P'OY91'
JSB D&SltTOP PtJBLISllI.NG 7025 W HEARN RO PBOIUA, AZ 85381
If employed In c:..-nnt position for Name & Adctms of Ernployw
Name &-al Emplo)ler
Fr9dch MK Form 16 7Al5 Fannie MM f.otm 1003 7105
-21N (05071
-·-
P-. 1 o/4 lnblls: ----.lnc.(8001621-7291
$
:272: BAIUIBS
I
LG305062BB
~l No. Yra
No.Yrs.
- Yno. on 111 .. JOb
0 0 Monll"4ylncome
$ -Phono(lncl.-<Gdo)
BORROWER'S COPY
No co-borrower
information
r w ,
Grossly
overstated
monthly income.
~~z 8-Empl '""""""'--
a...n-. Boouses
Com""""""" 0ivldondsnnteres1
NolR<>ntallncome
00.W(--plellng. .. the noh::e ... •dsscrit:ie Olherincome; be.o.IP)
Total
:::~ :! .~,. -'lt;1!fO!'ll'H.J;Y!l1q9'1'!;.N°W •. , SJNG:,~/IE:JH~•w ··~·i· J .,:t .. .-! -'""·~-~. """- c..-.- r ... 1 ~=..o:' p,.. ...
""-c...12,500 . 00 $ $ 12 , 500.00 - $
~ .......... I Fnl~(P&;J
......................... Othe< Fonancong (P&Q 2,501 . 00 ......................... Haz.ardl~
~~ Real Estate Taxes
~ Mortgage Insurance
""" Homeowner Aun. Dun
..... Olller
$ 12 ,500 .00 s s l2,500 . oo Total $ 2,501.00
Notice: Alimonr, c tlid &upport. Of MPll'• te malm.nanw income need not be f'PMlff ltths 8on'ow9t (B)
or Co-8orf'CNl9 r fC) doff not chDos9 tD hrM ti eonaic9Ndf0r ~nt thlli ~ --1--------------~
:~ .. ~-·o-• ,_, , .. , ......... > ·-"''.-:-::· ~,;,
Pro pond
,,,., $ 686 . 91
124.20 278 . 36
$ 1,089 .47
Monthly Amount
'"hi1I Slitemonl ard any applocable suppon ng ached<Jles may be completed JOllllY by both mamed and urvnamed Co-llormwMI ~ their asselS ard babi'•~os ..,.. sutftcient y )(WlOd so that the Slatement can be ,,,_ningfulty and fajrfy prennted on a combined bas.s, othonvlso. MOara&9 Slalsmer.ta and Schedulecs are req.- tt ire Co-8onower •oc:IJOr W3S ~ aboJt a"""~ spouse or - petSOO, this Slalement and ~ - rr.at be completed obo1Ul0tspause0<-porsonalso 0 Jomlv IKJ Nol.k>n
ASSETS Cash« Markel U•bttilin •nd Ptedged Anets. Lilt Iha tred*"'• n:atre. addfNa. ~ ~ 11Umber fot all
Value outstanding detlta, 1nek.ldwi11 •tMmobrN io.ns, rwoMnQ ct.r;e a:c:oul'lll.. ...i ._.._ ·a.na, a •mony,
~~!!!!!!:!!depos.t~~-lowa-ro-pun:has---0-held-by-:--l---------4 ::...u::"~ :n~-:·or:~f:.c:::a:"LJPOns~=~~ b)' t") thO .. Yeb•Nt•,
LIABILITIES
Name and .tdress of Company
Ust c:hecklng and savings ac:counts below Name and address al Bank, S&L. or CrM4 Union BC AUTO
.no 50000200067772
=....,r------------,,.--------1 Nameandaddreoa of Company
Name and addreN of 8aM S&l. or Cred t Union ISCOVER FIN SVS LLC
.no. 601100037025
rACa=l\6:~---- -------~------~ Nome-- .... ofCompany
Name and addteso a' Bank, S&L, or Crod 1 Unoon ONE BK
Name ord address o1ea.,., S&L. or~ Union OF AMERICA
no. 431904001194
.,.,.....,r----- -------,--------i Namel11CI •ddn>os of Company
ORLS
no. 041876844652
-------------1---------1 Name and-.... • of Company Lfe .nsurance netcashva1ue
Face amount$ Subtotal Uquld Assets Rea· estate owned {enter rT'!Brket va;ue from schedule of reel estate owned)
Fl9ddie Mic form 615 7/06 = ...... Form 10037/06 ~·21N !06071
: 272 :
530,000.00
T obll Monthly Payments 530,000 . 00 " . Ii> $ 162,833 . 00
Pmge2dC
BARNES LG305062HH
lllonthlyP9)'1Mnt& llor*l5 ld. to Pay PaymenllMonlhs
383 . 00/41
$ Paymef1l/Monlho
196 . 00/50
$ Payrneni,Monlhs
13.00/33
$ Paymen11Montils
69 .00/43
S Payrlenl/Months
10 . 00/19
$ Payment/Months
I
$ Payment/Mon<hs
I
$ 871 . 00 otal Ll•bllltlas b.
Unpaid Balance
15 , 617 .00
s 9 , 791. 00
7,120 . 00
$ 2 , 951.00
181. 00
$
BORROWER' S COPY
Incorrect
mortgage
payment.
Borrower's
race and
ethnicity
listed as
WHITE and
not Hispanic
or Latino.
Loan
application
completed by
Larry Hipp, a
member of
Chase Bank
USA, N.A.
Direct Team
Six.
Loan Application Date : 4/04/2006
~ .). >,. ~ , .... ,..,. ''7" ---<-.-. .;.;..,.;..;,;.. ..,.;,.,.~-- ,_,
Schedule of Real Estate OWned (It add>llonal properties •re owned, use continuation ..-_)
Ptopecty Aci:hM (.-r S If 50ld. PS It pending sale = I - ""'"'"""' """'' - Insurance, ..... ~rerxie,
otq,f_.....,....,for~} ... ,.,._etv~ Mo~&Uena -- - T_.&Mic:.. --SEE SCHBDULE OF REAL BSTllli °' NED
s $ s s s $
T-15 $ $ $ s s s U.tar.y additioNllrwm-. ....,..ttlch creclthn prntoU1tr been ""*"ed•ndlndfate~crecltor ,...•)end~~):
Alternate Name CrecMor Name Accoont Number
. c. ;t. -'"-••· ~ ~- "'Z-< ... rv;~-~-,,...,,. ..,...,.,..~ ....... tw~\ .. t~ ...,:::_,:........,~ -~-: , ·-~ . ·h: -~ ·W-" .· v ._;
• Purdiase0'1ce s If you answer "Yes" to anJ, questions a through~ - eoaon-please use continuation Mt for uplllNlllon.
b. Allera!Jona, Imp~ ,_.. Y• No Y• Ho
c. Land(lacq\Jlrod-lely) a. he there any outsland ng jvdglrenls _.,.i yoo? D rE D D d. Ref'1lOnCO(incl dolllslObo<"'"toll) b. Have you been dedared bankrupt wil:l'\i" the pa&t 7 yea"? D D D
Eat.mal8d ""'"""' it9l"lS c. Have VoJ had propof1.y foreciosed upon or given LLlfl ot deed D IKJ D D •. 1n ~eu thereof tn ttle last 7 years?
I Ef.tMab!!d ................. cos.ts d. Ne you a party to a lawsu1? D IKJ D D g PMI. M;P, Fund no Foo .. Have you directly or iru:firecify been obi.gated on 8llY k>ao which resulted In foreclosure .
transfer of OOe 1n Nu of foredosure or judgment? (Ths would include 5uch loans as h O>SCOUOt ld-WJJI aav} hame ~ "-a, SBA loans, home lmp<OYOmot\I ioo..s. oducotional loan•. I. Tolei~(..w..._a-....-.tt, s- HtlD-1 marnt.actur..d (..-) home '°""'· any mor1Q-. l.nanc:ial obligation bond or loan
guarantoo. tt "Y•: prwdo clolaJE, ~ - name. and i. -financing address of Lender, FHA or VA case nootber, if any and D IKJ DD reasono for the act.on.) k. ~........,cools oa'd by Seller f ,.,. you pniunlly de nquent OI in dtraull on any Federal debt
or any other loan, mortgage linanc;al abfoga!Jon, band or loan I. 0-Crod ta (exp.ain) guaranteo? tt "Yes.' g ve det<lils n deacnbod on lhe preceding
queobon. D IKJ D D g ,.,. you obligated to pay alimony ch d •lJ!ll)Orl. or separate D IKJ D D ma!nlenance? h. Is any part of the down payment borrowed? DIKJ DD I A."'9 you a co-maker or endorser on a note?
8~ BB I ~-y;,;;~u.s: ;;;,;;,;,1-············ ·················- -··· · ·· ·
k. Ate you • permanent reaidenl alien? ~ BB .,, loon a"lOUOl(e-Pt.11 MP • I. ~=/n:=~uw~.:.~~~~ KJD Fund ng FH fonanc:od) m be.ow.
m Have you had an ownership 'nterest in a property ITT the last D D D D n. PM!, MP, furrinn Feetnanced ~ ~"ipo of property did you own • • pnr.:ipal residence 0 Loan amount ladd rn & nl See HtJD-1
(2) I.I:) ~~ho~(~. ~~~J~>' youi-self --- ---p Cash fromllo Borrower (5) ioon~y v.1lh you• apouso (SP). or jointly w~ ardher --- ---
(IUblrocl J, k. &o from i) See HtJD-1 per>an (0)7 , - .;· . - ~ ,,._· 'T ~- TAHf.tAtl'Ra!~N't . , ... ~
•''"; ,. - ,; ;;.;.:~ . q~r-~:·~-~-
Eaft rlh ~ spect1cal.1 ~ ID l.erdlr and m Le'1dftr'S ecwei or potitnli.i -u--. b~ pmc:assors,. a111omeyt.. ..-..wem. ~rs. ·~ alld ~.-:a and tVMt ll'd ~ that: 111 the inbmation ~ in this ~.cation II ttw and con.ct ad the date Mt bth oppoaite ,., slgnatture 91"1 that lmY' ntenvo'llll or~ mi&.~ ti thta rionnlltion QOf"lalfled In UM ~ical.on may re1ult. in etvl ll•Dlit1. lndudlt\J mooecaiy damilllgU. ta any per90f'I w"lo !Ny aul'fel lj"f lcu due to rebanc:;e ~ •'11 ~ ..,.. 1 ~-- nmd9 on ttu appileaUon, ar.cLor In crimlf\a! l)enlttles Including, but not limlled to. line or tmpllsonrntnt or both under the pt0t1MD""S cl nu. 18. UnMd SUl".es Coda, Sec. 1001. el seq.; f2) the to.n ~ porsuart k) I- appicat.on (tt. L.olln1 wll be ncu!KI by 8 lltOf'lOllOtl Of dMd d 1niat on the property desc:rlbed In tNs •""**1°": (3) ti. property wlll not be Used for any 11egal °' proh biUld purPQH or ua.. (4) .i1 statements m~ In th• ~tion aca made for !he purpose of obtlli.r no • '911~ moi•gis loltn; (5) the ~ wll b9 OOCl'f>ied es wnct.caled 1n tNs apphea!ion; (6) the lendef. its aefVars. 1ucoeuof5 « ass on- may rW!ln the origlne and.'ol" en eleetronk; recotC d OW apl)k:lltlOn. wMCher" or net ._ Lon is apP<OVed; (7} the Lender ind n:t agena. brokel"I. ns~. ~. ~ •nd ~ may cont11·11.10U1ly l'9fy on the lnl'On'Nlion conta n.d ~ lie applic:stlott, and I em ob -gll!Md kl •IMl'ld andi'~ 1_..,p.ament the lnfonrut.JM p~ided In ~- ~!ion I *">' al thie mr..nal facts that 1 Mv. represented her&n should Change prior ID closinv d th• loan; (8) In 1-e 9Y91"t lMl My pe.yrne-its oo the Laen betome dtllnqlJe!'(, the ltndlr. i:s MMCtlS, ltJCC:eU(R or Hs,gn1 f'flfl'Y, :n ad6tion to •:1Y other ~~ and ~'Tlecfiel; '1P1a1: 11 1MJ have !Watlrg k> such de!tnquency, report my 1*M and 8COOUnl lttfOnrlbcn to CM or mOf9 c.oi.um• ieporting agencies: (9) Qllflf'11ent- p d tre LOM lndlor ~on of tti. U.n ac::counl may be trtt~ wWI 1ucn notce •may be reqt.ind by law: 1101 neit1* LemMr nor Is agent.a. brokers. .fli.ftl'S, ...-.ncen, w::eator. ornsgns l\M made any~ Offwa:t'lnt)'. upres1 «lmplltid, tornermgart!ng the property orlhe condition orV11'ueofthe p'Opel'!y; and {11) rr.yt'BrsmuQ\ ci ttu appik:atton • an '".tectronic reicord'" com. ning my 4 elect'Oftlc: 1ignatin... as tnoee tvns aire def.nod in -w lQlblil '-*• and/or 1tate laws (uductl;ig a..dlo and Yidal ~1. °'"'If,_."' ~ dit'Dll!P?~ ~ er.::aimlle r:lmyslg...,.._ Shllllbe .. •n.ct.'W. enron:.b.e .-.dva: asrapa:>er¥erl.IOr'I dflis~ ._,..de .,.....td c:ontni ""'1 my O'lginlll WJltt9n •1Qfeul9.
~ •ckl'IOMedg:• that •ny Ollfl"'l8of of the L0111n, its .. "V<:l99' , 1&.1CCH.cn and 8U9\&. __,, venfy Of rMier#j •ny ilnbln9lion corulned Of m.t. tWattng to h LOW\, for any 141gd.im.i. bualneu purpoae thtougl'I ;iny SOUf'Ce. lnciudlng • ~rem na'P9d in thts ~ or a
Date Co-l!om>we(s Signature
x
Ethnicity:
Race:
Sex: F"""'e
Name and Addn!ss o' ~ EFT'lploy«
CHASE BANK USA, N .A. L....c;;;;;;;i....~~~~~~~~-:::::Pr.;;;;;;;i;;;::;;;c;;:;;:;;;;;;--~~~~~~~~~--,o~a~te:-i Direct Team 6
504 Virqinia Drive lnlervl8W9r's Phone Number (·ncl. area code) Fort Washington, PA 19034
(877) 800-4405
et·21N i0507J :272: BARNES LG305062HR
Use ttvs conltnu1bon sheet rf you need more space to complete Ille Reoidenlial Loan Apo><:don. Mori< B lor
- orClor ~.
DEBTS CONTINUED;
REALESTATE LOANS;
Bom>war:
SUSIE M. BARNES
CHASK MANHATTAN MORTGA
Account No- 17944786
Account No-
Account No-
Account No-
Account No-
Afp:'Cy Caso Number·
~case-.
LG305062HH
2,501.00 331,507.00
Nile "-JAy understand that it l.S a Federal crime punts~ by fine or wnprisonrnent. or both. to knowingly make any fabe statements conceming any of the above fads uapplcableundertreprovteowof l!Me 18 United states Code. Secban 1001, et seq
x
Fr'ldd.• Mac; l=orrri 65 7XJ6 =:. alM Form 1003 7/05 ~-21N 105071
: 272:
,~
BARNES
, ~
Page4of4
LG305062HH BORROWER'S COPY
SMALL BUSINESS AOCOUNTIN6 SERVIC£
March 3, 2004
[Click here and type recipienfs address)
Dear Sir or Madam:
(Click here and type return address]
I have completed Sue Barnes' state and federal tax return for the past two years. Her business - JSB Desktop Publishing - performs commercial printing and website development services. This business is licensed by both the state of Arizona and the City of Peoria, Arizona. It operates as a sole proprietary and has been in business since November 2001.
Sincerely,
Xxxxxxxx Y. ZXXXXXx.xx Certified Tax Preparer
RE: Request Chase's HOMA Data on CD •
RE: Request Chase's HDMA Data on CD
Sun 1/26/2014 5:09 AM
From: [email protected] To: [email protected]
Dear Mr. Meusel,
I received the 2012 HMDA data CD on Friday January 24, 2014 via FedEx. Thanks for the prompt
response,
Page 1of3
o, thanks for the offer of the 2011 and 2010 HMDA data, but I was only interested in the 2004 thru
2006 time-frame.
Thanks for OYr continuing help.
James. Barnes
-----Original Message-----
From: Meusel, Robert [mailto:[email protected]]
Sent: Tuesday, January 21, 2014 7:40 AM
Cc: Cece, Ida; Briley, Kelly
Subject: FW: Request Chase's HOMA Data on CD
WE will provide you with 2012.
We can provide you HMDA data for 2011 and 2010 if needed.
HMDA data going back to 2005 is no longer retained.
Please advise regarding 2011 and 2010.
http://mail.jhbames.com/Main/frmMessagePrint.aspx?popup=true&messageid= 13&folder.. . 6113/2014
RE: Request Chase's HOMA Data on CD
Robert Meusel
VP/Corporate Fair Lending HMDA
Office phone 732-452-8721
Fax 732-452-8035
-----Original Message----
From: HMDA Info
Sent: Tuesday, January 21, 2014 9:26 AM
To: Cece, Ida
Cc: Meusel, Robert
Subject: FW: Request Chase's HOMA Data on CD
Please see the attached for HMDA Data
-----Original Message-----
From: [email protected] [ mailto:[email protected]]
Sent: Friday, January 17, 2014 7:15 PM
To: HMDA Info
Subject: Request Chase's HOMA Data on CD
Date :Fri Jan 17 19:14:42 2014
firstname : James
lastname : Barnes
companyname :
Page 2of3
http://mail.jhbames.com/Main/frm.MessagePrint.aspx?popup=true&messageid= 13&folder... 6/13/2014
RE: Request Chase's HDMA Data on CD Page 3of3 ~
street : 7025 W Heam Rd
city : Peoria
state: AZ
zipcode : 85381
zipcodel : 4727
phone : 602-478-4778
email : [email protected]
comments : I would also like to obtain HMDA Data for 2004 and 2005.
firstnamellastnamelcompanynamelstreetlcitylstatelzipcodelzipcodel lphonelemaillcommentsl
James I Barnes! 17025 W Hearn [email protected] would
also like to obtain HMDA Data for 2004 and 2005. I
This transmission may contain information that is privileged, confidential, legally privileged, and/or exempt
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any disclosure, copying, distribution, or use of the information contained herein (including any reliance
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free of any virus or other defect that might affect any computer system into which it is received and
opened, it is the responsibility of the recipient to ensure that it is virus free and no responsibility is
accepted by JPMorgan Chase & Co., its subsidiaries and affiliates, as applicable, for any loss or damage
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http://mail.jhbarnes.com/Main/frmMessagePrint.aspx?popup=true&messageid= 13&folder. .. 6/13/2014
jhbarnes
-----Original Message-----From : Meusel, Robert [mailto:[email protected]]
Sent: Thursday, February 27, 2014 3:56 AM To: jhbarnes Subject: RE: Request Chase's HOMA Data on CD
Mr. Barnes, I had previously responded that we only maintain the HMDA Loan Application Register data for 3 years. Your request is outside of the HMDA record retention requirements. I have forwarded your email to another resource here at Chase as I cannot assist you further.
-----Original Message-----From: jhbarnes [mailto:[email protected]]
Sent: Thursday, February 27, 2014 12:42 AM To : Meusel, Robert Subject: RE: Request Chase's HOMA Data on CD
Dear Mr. Meusel, This is the third Email that I have sent during the past two weeks, but I have yet to receive any response from you or your staff. The attachment is two loan applications that were prepared for my wife by a Chase Lending Specialist. My wife and I were both in our sixties during the 2004 thru 2006 timeframe, and neither of us understood the ramification of what was happening until it was too late. As I mentioned in my earlier messages, your department has responded promptly to my request for HMDA data, and
you may recall that I had a particular interest in the 2004 and 2005 HMDA data. This interest was
driven by my in-depth analysis of two home mortgage loans, and one line-of-credit loan that my wife (and I) obtained from Chase Home Finance during the 2005 thru 2006 timeframe. The vast majority of our dealing with Chase was with a Lending Specialist named Matthew Balin who was a member of the Direct Team 6 in your Fort Washington, PA office. At the time, I allowed my wife of forty-four years to handle all of the details for these loans, and I now know that I should have taken a much more active role in these activities. All of the loan details were handled by my wife and Mr. Balin via phone and Fax, because Chase Home Finance did not have a presence in the Phoenix metro area. Mr. Balin completed all of the required paperwork, and we did not even see the loan application until it was time to close the loan. At the time that these loans were made, we were in some financial difficulties but did not have any inkling that the real estate market would crash and burn, and make it impossible for us to sell our home for a reasonable profit. Mr. Balin caught us with our guard-down, and after the disastrous 2004 home mortgage loan, we were never able to recover. I have prepared a detail, chronological report that covers all of our dealing with Mr. Balin and other members of the Chase Fort Washington office, and will be mailing it to you before the ten-year anniversary of our dealing with Mr. Balin. To that point, our whole existence is divided into two periods; Before Chase and After Chase, And you would not recognize that we are the same family now, that we were before 2004. I will not continue this diatribe because anything else that I would say is included in the report that I will be sending by the end of the week. Again, I realize that we bear some of the blame for what happen with Mr. Balin, but frankly as you will see in the attachment, many of the things that he did were far beyond anything that Chase, or any other refutable financial institution would condone.
1
Prior to my retirement in 1998, I was a senior consultant for the American Express Company, and during my thirty years with AXP I had an opportunity to work with virtually every major financial institution in America, and JP Morgan Chase was (and is still) one of the most respected financial institutions in this Country. In closing, Mr. Balin assured us that he had a solution for our temporary financial problems, but the only thing that his solution did was to ensure that we would be in debt for the remainder of our lives. Respectfully, James H. Barnes and Susie M. Barnes 7025 West Hearn Rd Peoria, AZ 85381-4727 (602) 478-4778 or (623) 979-4413
-----Original Message-----From: Meusel, Robert [mailto:[email protected]] Sent: Tuesday, January 21, 2014 7:40 AM To: [email protected] Cc: Cece, Ida; Briley, Kelly Subject: FW: Request Chase's HOMA Data on CD
WE will provide you with 2012.
We can provide you HMDA data for 2011 and 2010 if needed.
HMDA data going back to 2005 is no longer retained.
Please advise regarding 2011 and 2010.
Thank you.
Robert Meusel VP/Corporate Fair Lending HMDA Office phone 732-452-8721 Fax 732-452-8035
-----Original Message----From: HMDA Info Sent: Tuesday, January 21, 2014 9:26 AM To: Cece, Ida Cc: Meusel, Robert Subject: FW: Request Chase's HOMA Data on CD
Please see the attached for HMDA Data
-----Original Message-----From: [email protected] [mailto:[email protected]] Sent: Friday, January 17, 2014 7:15 PM To: HMDA Info Subject: Request Chase's HOMA Data on CD
Date :Fri Jan 17 19:14:42 2014 firstname : James
2
. . lastname : Barnes companyname : street : 7025 W Hearn Rd city : Peoria state: AZ zipcode : 85381 zipcodel : 4727 phone : 602-478-4778 email : [email protected] comments : I would also like to obtain HMDA Data for 2004 and 2005.
firstname I lastname I companyname I street I city I state I zipcode I zipcodel I phone I emai 11 comments I James I Barnes 117025 W Hearn Rd I Peoria I AZ I [email protected] would also Rd I Peoria I AZ I 85381147271602-478-4778 I like to obtain HMDA Data for 2004 and 2005. I
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3
JP Morgan Chase Bank, NA-Hom~ M6rtgageD·i;closure Ad (HDMA'rfor Phbenix/s~Ott~dale/Me·~~ "MsA ' ·" . . . . : '·- . '··.::." -~ . . . . :.
Home Loan Applications for Phoenix/Scottsdale Metropolitan Statistical Area (MSA)
The attached reports show that while African Americans are approximately five percent of the population of the Phoenix/Scottsdale Metropolitan Statistical
Area (MSA), they submitted an average of one point three percent of the JP Morgan Chase Bank home mortgage applications during this five-year study
period that included 2004, 2005, 2006, 2009, and 2012. In addition to the fact that the loan applications from African Americans are far below the
statistical average of five percent, in four out of the five years in the study, their approval rate for the applications were substantially lower than that of White
Americans. Sadly this lack of an aggressive home loan marketing campaign by Chase to African Americans is not just a problem in the Phoenix/Scottsdale MSA,
this problem even exist in the Ohio and New Jersey MSAs, in which JP Morgan Chase Bank has headquarter facilities. The data contained in this document is
taken directly from Home Mortgage Disclosure Act (HMDA) data located on the FFIEC website at www.ffiec.gov/hdmaadwebreport/DisWelcome.aspx. This
website is extremely user-friendly, and contains a wealth of home mortgage statistics. The following table is an example of the HMDA data contained on this
website:
JP Morgan Chase Bank, NA Applications for Phoenix/Scottsdale MSA
Applications from Others (including Native
Applications from White Race not Specified on Americans, Asians, Native African American
Applicants Application Hawaiian/Other Pacific Applicants
Islands)
Percentage Percentage Percentage Percentage of Total Number of ofTotal Number of of Total Number of of Total Number of Total Number of
Year Applications Applications Applications Applications Applications Applications Applications Applications Applications for Vear for Vear for Vear for Vear
2004 9 1.3% 552 79.2% 94 13.5% 42 6.03% 697
2005 58 1.2% 2659 54.8% 1860 38.3% 278 5.73% 4855
2006 66 1.5% 2932 68.6% 1058 24.8% 217 5.08% 4273
2009 17 1.4% 944 78.4% 157 13.0% 86 7.14% 1204
2012 16 1.2% 1143 83.7% 92 6.7% 114 8.35% 1365
Total 166 1.3% 8230 66.4% 3261 26.3% 737 5.95% 12394
lJ Page
Loan Approval Rates During the measurement period, African American loan application approval rates, and years are marginally better but JP Morgan Chase Bank, NA has a
atrocious record in providing home mortgages to African Americans. The following pages contain a brief summary of JP Morgan Chase Bank home
mortgage years 2004, 2005, 2006, 2009, and 2012. The data used to create these Excel Spreadsheets and the accompanying charts was taken from
HOMA Disclosure data found on the FFIEC.gov website
90
80
70
60
50
40
30
20
10
0
58.3
JP Morgan Chase Bank, NA Loan Approval Rates for Whites and African
Americans
76.3 75.6
62.5 65.5
2004 2005 2006 2009 2012 • White Loan Approval Rates • African American Loan Approval Rates
21 Page
1 [---- 2004 HM DA Date f rom FFIEC.com Website for JP Mor1en Chase Bank, NA J
Wi
WHITE AMERICAN (TOTAL)
MALE FEMALE
JOINT (MALE/FEMALE)
BLACK OR AFRICIAN AMERICAN (TOTAL) 10 MALE
11 FEMALE 12 { JOINT (MALE/FEMALE) 13
14
15
16
17
18
RACE NOT AVAILABLE (TOTAL)
MALE FEMALE
JOINT (MALE/FEMALE) others
19 (TOTAL: WHITE, lllACI( A RACE NOT SPECIFIED
20 ,___...._..__ TOTAL
21 22 23
24 25
26
27 28
29
30 31
32
33
34
35
36
37
38
39
40
41
Aapl!CfSlpn1 Lptn1 Or!c!ntttd Lptn1 Aaprpyttl bus Not ""9ottt! Lptn1 Dtnitd AapQqtion Withdrawn Bit QoMd for lnwmpftt1otn
Averac• AmOunt
Number Amount of loan Number Amount
of Loans ($000) ($0001 of Loans ($0001 552 85684 155 322 56679
152
109 291
94
17 7
34
24007
12417
49260
1803
1518
139
146
17638
4269
158
114
169
200
304
46
146
188
251 110
216 111
82
48
192
1
0
41
7 2
15
16874
49117
34818
64
24
40
5070
850 176
2479 1845
A-qe Amount Percentage ofLoan ofloans
($0001 Approved
176 58.3"
206
104
181
32
24
40 0
124
Ul 88
165
53.9%
44.0%
66.0%
22.2" 20.0%
33.3" 0.0%
43.6%
•1.2% 28.6%
44.l"
2004 loan Appllcetlons from Phoenlx/Scottadele MSA for JP Morsen Chase Bank
7CO
""' 500
40()
900
la)
100
•
-AfrlanAmerii:tn
I
Aa No: Sptd'ted
• II
«ti o1Whltt, Nl'IClnAmetlcln, I ncl Race net SpecrJtd
Averaa:e Percent.ace of
Amount Loans Number Amount of loan Approved but
of Loam ($000) ($000) not Accepted
44 n01 164 s.0% 10
10
24
0
28
3
1313
1693
4195
400
254
0 146
6289
410
387
2056
131
169
175
133
127
0 146
225
137 129
343
6.6%
9.2%
8.2%
33.3" 40.0%
0.0% 100.0%
29.8"
17.6"
Number
of Loam 142 47
38
57
0
16
5
Aver.,e
Ave,.. Amount of Amount of Denied
Loan Loan ($000) ($0001 14068 99 4590
33U
6166
1339
1240
99 0
3417
1475
100
98
87
108
335 620
0
214 295
100
200
n U8
w _
2004 Loen Approve! RetH from Pho1nlx/Scotbdal1 MSA for JP Moreen Clla11 lank
70.°"
""·°" 50.0!<
40.0!<
!IO.O!<
20.0!<
10.0!t
O.Oll
- -White
Afrita\Americ.n
RnNotSpe~
--Avtr11e dWhlte, AftlclnAmtftCln, Ind Rite not Specfied
Pera.ntage
of Loans
Denied
25.7% 30.9%
34.9"
19.6"
44.4" 40.0%
66.7% 0.0%
17.0%
29A" 14.3"
23.5" 35.7%
Jll,"' ...
J 2004 HMDA oATA-]
Amount of Loans Percentap of
Number Wlthdrown Applkatlons
of loaM ($000) Whhdrown
40 6ln 7.2" 12
12
16
0
0
0
1147
un 2748
0
0
0
0
2553
1534
0
1019 852
7.9"
11.0% 5.5%
0.0% 0.0%
0.0% 0.0%
6A%
11.8" 0.0%
11.8" 11.9"
Number of Amount
Loans ($000) 4 1564
0
0
0
83
148
1333
0
0
309
1G5
184
37
Pflc:enllll• Closed for
lncompl@tenes,1
0.7% 0.7" 0.9" o.7"
o.o% O.o% O.o% o.o%
3.2%
O.o% 14.3%
2.9" 2.4%
2004 Loan Danial Rat11 from Pho1nhl/Scottsdal1 MSA for JP Morcan Chu• Bank
50.00<
45.~
40.00<
3S.~
30.00<
2S.O!<
20.ll!<
lS.O!<
10.09'
SO!<
Oil'<
-- --• Wr.tt
Arrtmt Amer1an
• Rtu NOi Sped'led
Aver11e dWtwte, AfrlUnJ.met1~, 1tld Rac.e: not Spectted
3I Page
~
WHITE AMElllCAN (TOTAL)
MAl£
FEMALE JOINT (MALE/FEMALE)
BlACK OR AfRICIAN AMERICAN (TOTAL)
MAl£ FEMALE
JOINT (MALE/FEMALE)
RACE NOT AVAJIABlE (TOTAL)
MAl£
FEMALE JOINT (MALE/FEMALE)
OTHERS
TOT Al: WHITE, BLACK & RACE NOT SPECIFIED
TOTAL
2005 HMOA 01t1 from FFIEC.com Website for JP Moreen Chase Bank, NA (First Mortpce) Applications loans Originated
AVl'raae Amount
Number Amount
of I.Dans ($000) of loan Number Amount
($000) of I.Dans ($000)
2659 S73383 216 2030 434524 987 183287
S67 102046 1123 287686
58 28
20 10
1270S 7146
3369
2190
1860 416704
211 47580 108 224S9
291 81894
278 S5073
190
180 256
219
2S5
168
219
224
225
208
281
198 --..,. m ... Zll
728
424
878
35 17
11
139903
75S65
219056
5735
2481
2092 1162
1437 322661
158 37941 82 15996
229 60881
198 40947 ~
AYeraae
Amount of Percent.ge
loan of I.Dans ($000) Approved
214 76.3%
192 75.3%
178 74.8%
249 78.2%
164 146
190
166
225
240
195
266
207
60.3% 60.7"
55.0% 70.0%
n.3% 74.9%
75.9% 78.7"
71.2%
2005 loan AppUcatlons from Phoenix Metro Area for JP Morian Chase Bink
5000
•500
4000
3500
5000
2500
zooo 1500
1000
500
• •
White
Afrlc.MAmtr1an
Ract Not Specfied
-•
loans Approved but Not Accepted Percent.ge
Number Amount
of I.Dan• ($000) 170 40416
58 U724
38 630'3
74 21383
207
16 14
35
28 -4U
1507
476
361
670
46586
3277
4055
10ll77
4914 -..
Averaae
Amount
of I.Dan ($000)
238
219
166
289
2S1
159
181
670
225
205
290 30S
176
m 2%1
of I.Dan• Approved
but not Accepted
6A% 6.0%
6.7"
6.6%
10.3% 10.7"
10.0%
10.0%
11.1%
7.6% 13.0%
12.0%
10.1%
us ....
loans Denied A-e Amount
Amount
Number of Loans
of loans ($000) 352 68835
134 20393
78 14685
140 33757
11
5 6
0
128
25 7
21
40 -•1
511
1697
807 890
0
310'34
4687
1182
8607
6545 -JOl171
of Denied
Loan
196
152
188
241
154
161
148
0
243
187
169
410
164
'1111
J04
2005 lolln Approval Rates from Phoenix Metro Area for JP Morian Chase Bink
!IO.O!I
IO.O!I
70.0!I
60.0!I
50.0!I
40.0!I
30.0!I
20.0!I
10.0!<
O.O!I
1 Whte
• Afhca'IAmeric.ln
• A«e: Not Sped.ea
- -
Percentage
of Loans
Denied 13.2%
13.9%
13.8% 12.5%
19.0%
17.9%
30.0% 0.0%
6.9% 11.8%
6.5%
1200s HllllDA DATA]
Application Withdrawn
Amount of
I.Dans Number Wlthdrown
of I.Dani ($000) 61 18989
26 6486
13 2226
21 10073
45
7
3
3584
3200
26
358
7976
819 844
400
Percentaceof Applications
Wlthdrown
2.3%
2.7" 2.3%
1.9%
8.6%
7.1%
5 .0%
20.0%
2.4%
3.3%
2.8%
0.3%
Fiie Closed for Incompleteness
Number Amount
of I.Dans ($000)
4S 104S9 21 3781
14 3261
10 3417
1
0
0
43
182 182
0
0
8387
856
382
1329
Percentace
Closed for
tncompletenes• 1.7%
2.2" 2.5%
0.9%
1.7%
3.6% 0.0% o.0%
2.3% 2.4%
1.9" 1.7%
2005 loan Denial Rates from Phoenix/Scottsdale MSA for JP Morcan Chase
Bink
20.0!I
18.0!I
16.0K
14.°"
12.0!<
10.<>"'
'°" 6.0!I
40!I
2.00.
O.O!I
-White
Afr1<.WI American
• AICe Not Speelled _,_ ___ _
- --
41 Page
MCf
WHITE AMERICAN (TOTAL)
MALE FEMALE
JOINT (MALE/FEMALE)
BlACK OR AFRIClAN AMERICAN {TOT AL)
MALE FEMALE
JOINT (MALE/FEMALE)
RACE NOT A\/AllABlE (TOTAL)
MA1E FEMALE
JOINT (MALE/FEMALE)
TOTAL
OT AL: WHITE, 8lACK • RACE NOT SPECIFIEO
TOTAL
4500 .... 3500
3000
2500
2000
1500
1000
500
2006 HMDA D•t• from FFIEC.com Website for JP Moreen Chue Bank, NA Mpllcttk!o1 lptM Or!c!uttd Lptn1 ApproVtd but Nqt Acclet•d Lptm Dtn!ecl
Avence Avense Amount Amount Pertentatl• of
Number Amount of lOan Number Amount of toen l.Dllns
of LOens ($000) ($000) of Loans ($000) ($000) Approved
2'12 711457 243 221B 548169 247 75.6"
1103 254164 2JO 830 195048 235 75.2" 100 140115 200 520 102212 197 74.3"
1120 315736 282 863 250024 290 n.1"
.. 25
24
15
14501 5606
5283 3350
1058 270713 125 33593
15 17460 215 61618
215 59246 ........ .. _,
213 224
220 223
256
269
205 287
276 -.,
41 15
15 11
757
93 62
166
9256
3782
2705 2769
202891
26261
12502
46591
37950
226 252
180 252
268
282 202
281
2006 lo•n Applications from Phoenix/Scottsdale MSA for JP Moraen Chase Bank
-m
• While
• Afrtan Amrric.n
R«fN«SC>ed'ed
-•
60.3" 50.0%
62.5" 73.3"
71.6"
74A" 72.9"
n.2" 66.0%
TculofWhlte, Nl1anAmttk•n.1ndAfctNotSpectfl_ .. __ ~~~-
Averace Perce~e
Amount of lDllnl
Number Amount of loen Approved
ofloans ($000) ($000) but not 180 39130 217 6.1"
69 38
73
0
78
12
24
iii' 2111
13723
1478
16929
78
78
0
0
18588
1394
450
4324
6439 ,.,,. ..
199
223 232
78
78
174
225
360
268
za 221.
6.3"
5.4" 6.5%
1.5% 4 .0%
0.0%
0.0%
7.4" 6.4%
2.4" 5.6" 11.2"
Mil ....
Avense Averl8e Amount Amount of
Number of loan Denied of IDllM ($000) loan ($000)
448 104342 233
167 126
153
0
165
20
14
34
58 117 m
38449
24812
40841
1339 1240
0
99
39100
5538
2855 9751
15446
IM7a1 180227
230
197
267
335
620
0
50
237 2n 204 287
266
215 217
2006 Lo.n Approval Rates from Phoenix/Scottsdale MSA for JP Morain Chase Bank
'°"" 70 ....
60""
"°"" '°"" """" '°"" 10.0%
o"" -Wlllte
A""-IAmetkln
.""""'SC>-ed
- -Awn11e forwt.te, Ahic~ Amtrktn. .,o Race NotSpeofied
Percentage
of toans
Denied 15.3%
15.1" 18.0%
13.7"
5.9" 8.0%
0.0%
13.3"
15.6" 16.0%
16.5" 15.8"
[2006-HM-DA DATA · 1
AppQetlqn Wltbdc•wn Amoul>lof
ale QoMd fin h1sompltt111•u
l.oaDi -centap of Numb« Withdrawn Applications Number Amount
of loans ($000) Wlthdrown of IDllM ($000)
62 12763 2.1" 24 7053 28 5549 2.5" 9 1395
13 3764 1.9" 3 849 20 3434 1.8" 11 4508
4
37
3
1
4
360
304 26
4988
310
170 417
1541
5.9"
0.0" 8.3" 6.7"
3.5" 2.4%
1.2" 0.5"
1.9"
21
340
340
5146
90
1483
325
998
- ... '*'. Closed for
lncompleleMU
0.82" 0.82"
OA3" o.98%
1.4~
O.oo!I 4.1~
o.oo%
1.98%
o.oo!I 1.18'l
2.79%
1.86"
2006 loan Denial Rates from Phoenix/Scottsdale MSA for JP Morcan Chase Bank
18.°"
16()!1
14""
12.0!I
10"" ..... .... 4 ....
2.0!I
o°"
-Wnlte
IJrlcanAmftlc.an
Race Not Spl'CIJcd
- -.. Awn1e for\\hlte, Al'rtctn American, artd Rice NDt S~lflcd
SI Page
BAU
WHITE AMERICAN (TOT Al)
MAI.£ FEMALE
JOINT (MAl.E/FEMAl.E)
BIACK Oii AFRICIAN AMERICAN [TOTAi.)
MAl.E
Ft MALE
JOINT (MAl.E/FEMALE)
RACE NOT AVAILABLE (TOTAi.)
MAl.E
FEMALE
JOINT (MAl.E/FEMAl.E)
OTHERS
TOT Al: WHITE, BLACK & RACE NOT SPECIFIED
TOTAi.
2009 HMDA Data from FFIEC.com Website for JP Mor1an Chase Bank, NA Aaal!ctti901 l.lliDI Qd&lnlllll
AY~~e Averap
Amount Amount Percentage
Number Amount of loan Number Amount of loan of Loans
of loam ($000) ($000) of loant ($000) ($000) Approved
!144 184386 5!!0 116426 197 62.S" 245 44303 132 25475 193 53.9%
187 29669 110 16768 152 58.8" 510 1100&0 347 74017 213 68.°"
17 2867 7 1257 180 41.2"
5 787 3 449 150 60.0%
8 1662 3 650 217 37.5" 4 418 l 158 158 25.0%
1.57 35646 92 23575 2Sti 58.6" 13 2901 7 2067 295 53.8" 8 674 2 100 50 2S.o%
24 6363 12 3801 317 50.0%
86 14284 46 8795 191 53.5" -!'!'WI ... ·- -- • ' ..... .
1200
1000
BOO
600
400
200
•UIM 2mll .. - ..... • '
2009 loan Applications from Phoenix/Scottsdale MSA for JP Morpn Chase
Bank .. •
II • 1 Wnstt
• A!rtctn American
.. _
1.11101 &111mlll lilll1 lllm 6"1mlll l.lliDI 121Dlti Aver11e
Percentate Amount
Averaae of Loans Average of
Amount Approved Amount Denied Percenuge
Number Amount of Loan but not Number of Loan loan
of Loans ($000) ($000) Accepted of loans ($000) ($000) 8
l
7
l 0
1
4
0
11 SI
700!i
"°°" SOO'll
40°" 300'll
20°" t OO'll
OO'I
3571 446 0.8" 304 55961 184 417 417 0.4" 97 1&530 170
o.°" 67 10857 162
3154 451 1.4% 139 28406 204
136 136 5.9" 9 1474 164
0 0 o.°" 2 338 169
Uti 136 12.5% 4 876 219 0 3 260 87
405 101 2.5" 51 10054 197
6 834 139
6 574 96 11 2260 20.5
0 0 0.0% 31 4259 137
au JU La 361 67419 115
GU _.111 - u• - Jt5 nm w
2009 Loan Approval Rates from Phoenix/Scottsdale MSA for JP Morian Chase Bank
- - ---· Alr'I~ Arnertan
[!Oo9HMDADATA · J
of Loans
Denied
32.2%
39.6" 35.8%
27.3%
52.9"
40.°" 50.0%
75.0%
32.5%
46.2"
75.0% 45.8" 36.0%
u.• 32.a
!llallaSlml ~liblli:mn Elll '1mll fl
2012 HMDA D1t1 from FFIEC.tom Website fo r JP Mor11n Chase Bank, NA AppUgt!901 LlllDI !2i:lllDl1111
BAU Average Average
Amount Amount Percenbge of
Number Amount of Loan Number Amount ofloan Loam
of Loam ($000) ($000) ofLoan.s ($000! ($000) Approved
WHITTAMERICAN (TOTAL)
MALE FEMALE
JOINT (MALE/FEMAI.£)
CK OR AfRIOAN AMERICAN (TO
MALE
FEMALE
JOINT (MAL£/FEMALE)
RACE NOT AVAllA8l£ (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMAU)
OTHERS
TOTAL: WHITE, BLACl • RACE TOTAL
uoo
1200
1000
800
600
400
200
0
1143 2106'7 184 74, 143447 192
304 56244 185 190 37543 198
260 36373 140 154 22268 145
578 117971 204 l405l 83636 207
16 2952 185 9 1275 1 142
7 1292 us 4 262 66
7 1205 1n 3 558 186
2 455 228 2 4.55 228 -92 25121 273 58 17334 299
13 3520 271 5 1062 212
6 1236 206 4 1046 - 262
11 2533 230 7 1338
2012 loan Applications from Phoenix/Scottsdale MSA for JP Moreen Chase Bank
i I I
I
• J Ill
•Wtrte
• Afr1<11'l ""'~"" RICO "o< ll>t<~«I
r •
r • Tow of Wtiwte, Nnctn Amero,,, ind bet Not Spt0hd
65.5"
62.5" 59.2"
70.1"
56.3%
57.1%
42.9%
100.0%
63.0% 38.5%
66.7"
I.DIDI Aaarovld ~Ill lllRS &IRSlll LolDI Din!tll Avera(e
Pen:entase Amount
Averaae of Loans Average of
Amount Approved Amount Denied
Number Amount of Loan but not Number of Loan loan
of loans ($000) ($000) ~pled oflC>1ns ($000) ($000) 1 68 68 356 61318 in
" 16902 1n
1 68 68 97 12467 129
161 31949 198
I 6 1542 257 t - - -
3 1030 343
... j .~:- . 3 512 171
-21 6412 229
7 2226 318
~ 2 190 95
4 11,5 299
36 6132 -~~----1 •
1 •
2012 Loan Approval Rates from Phoenix/Scottsdale MSA for JP Moreen Chase
Bank
'°° IOO
700
600
500
400
JOO
lOO
100
0
ID
• White
• At~ Amtrian
• R1ee Not Spectitcf
Ill
D •
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