アメリカ(海外)不動産投資で利回り２０％以上

アメリカンホームモーゲージは、8月に倒産した会社です。

私の言及については、こちらもご参照ください。
　１．「AHM廃業　私も、ここでローン組んでます」
　２．「サブプライム問題波及で、リファイナンス計画頓挫（汗）」

この会社の支店長が、ローン騒動で、刑務所行きというから大変です。

原文は下に。

■この容疑者は、そもそも、カントリーワイドで働いていたが、申請書類偽造で2006年7月にFBIの調査が入り、カントリーワイド住宅ローン会社を解雇された。

■アメリカンホームモーゲージは、直ちに同容疑者をローンオフィサーとして雇用し、アンカレッジオフィスの支店長に任命した。

■同容疑者は、この後、顧客が、自己所得を正確に申告したのにもかかわらず、それを水増しして会社に申請し、ローン取得を融通していた。

こうした行動の結果、海外逃亡まで試みたというから、映画のような展開ですね。しかも、アメリカンホームモーゲージ自体が、こうした慣行を励行していた、と、、、

この業界も、膿がいろいろ、出てきていますね、、、

Ex-American Home Mortgage manager going to prison

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Aug 29, 2007 - Knight Ridder Tribune Business News
Author(s): Daniel Wagner
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Aug. 29--A former American Home Mortgage Investment Corp. branch manager in Alaska, hired at the now-bankrupt company after an FBI probe caused him to be fired from Countrywide Financial, was sentenced Monday to serve more than two years in prison.

Kourosh Partow also was ordered to pay a $50,000 fine and $190,000 in restitution for wire fraud after he falsified documentation to secure "stated income" mortgage loans from Melville-based American Home and Countrywide. In a document submitted before sentencing, Partow's lawyer, Kevin Fitzgerald, argued that the two companies had competitive cultures that encouraged "a blind-eye mentality." Judge H. Russel Holland heard the case at U.S. District Court in Anchorage. Partow was fired from Countrywide in June 2006 after FBI scrutiny of his loans provoked an internal audit. American Home immediately hired him to be a loan officer and branch manager of its Anchorage office, court records show.

After federal authorities executed a search warrant on his office in October 2006, Partow withdrew the equity from his house and sent it overseas, then fled to France and Iran. But he returned to the United States, and on April 20 he pleaded guilty to two counts of wire fraud, one at each bank, in exchange for other wire fraud charges being dropped. In the American Home case, Partow, 41, of Chugiak, helped a client refinance his home in 2006. Even though the client provided accurate information about his income, Partow listed the income as $20,000 per month -- "an amount that significantly overstat d [the client's] true income," according to Partow's plea agreement.

In the Countrywide case, he admitted to knowingly overstating an applicant's income to qualify for a loan in 2004. Stated income mortgages, a type Alt-A loan, allow loan officers to list borrowers' incomes on mortgage applications but do not require documentary verification of those figures. By misstating applicants' financial statuses, Partow enabled them to qualif for loans they might not otherwise have gotten. The indictment against Partow listed 14 loans or fraudulent applications and charged him with eight counts of wire fraud related to $2.2 million in American Home loans and a $156,000 loan from Countrywide.

In addition to overstating borrowers' incomes, the indictment alleged that Partow engaged in a scheme to generate paperwork showing falsely that borrowers had made 20 percent down payments on their properties by engaging in "an unwritten side agreement o have the seller repay the borrower the alleged down payment amount." Such tactics often involve the complicity of an appraiser who overstates the value of the property, mortgage experts said. Fitzgerald's sentencing memorandum said Partow was compensated "most importantly" by commissions based on branch profitability, and that he "had authority ...

to accept loans otherwise not strictly complying with the loan criteria." The document said he was one of "a fair number" of employees hired by American Home after Countrywide fired them in connection with the FBI probe. An attached November 2006 e-mail, purportedly from an American Home senior vice president, reads, "At AHM we pride ourselves on having a loan for virtually any borrower, regardless of whether or not they have the ability to verify their Income, Assets o Employment history." Another purported company e-mail, from October 2006, instructs loan officers to "play around with the loan all they want ...

as long as it has NOT been released to processing." There were no court papers available indicating that American Home took any action against Partow. A company spokesman would not comment on the case. A Countrywide spokesman said that company was a victim of Partow's operation.