NEW GRANDMA IN CALIFORNIA DOES SLEUTHING AND DISCOVERS MAJOR ROBO NOTARY VIOLATIONS

WITH IMPLICATIONS FOR HOMEOWNER-BORROWERS, INVESTORS AND MAJOR BANKING &

INVESTMENT FIRMS. IS THERE IRS TAX EVASION ON THE PART OF BANKS & INVESTMENT FIRMS?

JANUARY 7, 2011

Anita Carr is used to discovering fraudulent activities, even when she is not employed. In 2001 she
discovered accounting irregularities at a Fortune 500 where she was a Director in Information
Technology. This led to investor lawsuits against that company for accounting fraud and insider trading.
At a prior employer she contacted the FBI and worked with them to ensure they investigated Medicare
Fraud. The CFO of that company went to prison.

Now, in fighting to determine title on her home, she has discovered something even more slimy and
with much broader implications. In an attempt to validate a ‘squiggle’ type mark on a recorded
document with the Alameda County Recorder’s office, Ms. Carr felt it imperative that she obtain a copy
of the page from the notarial journal from the California notary who performed the notarization of the
‘Corporation Deed of Assignment’ related to her property.

Ms. Carr, under California laws, is entitled to purchase a copy of the page in the notarial journal related
to her property and so she wrote to the Orange County Recorder’s office and sent a check to cover the
copy fees. Orange County is where the notary was registered. Within weeks she received a certified
letter back from the Orange County recorder stating that they should have the notarial journal, but they
did not have it. See, once a notary is no longer a notary in California, it is the law that they must turn in
their notarial journal to the county recorder.

Ms. Carr, in a lawsuit against her home loan originator Home123 Corporation, now in bankruptcy in
Delaware, asked recently in informal discovery if they had the notarial journal. The answer came back
‘no’.

Ms. Carr asked if the particular notary, one Andres Rojas, was an employee of Home123 or New Century
Mortgage. The answer came back ‘yes’. Home123 Corporation is a subsidiary of New Century
Mortgage. Both have been barred from conducting business in California since 2007 by the California
Corporations Commissioner.

Un-deterred Ms. Carr then proceeded to obtain a copy of the bond paperwork filed with the California
Secretary of State by the notary. She saw an address for Andres Rojas on that paperwork.

Upon doing further internet research she discovered at least 6 different addresses for the notary. She
sent a letter to each address, having no real knowledge of which might be the most current. One was
even in Las Vegas. She asked the notary to contact her as she wanted a copy of the page from the
notarial journal related to her property. It was a pure long-shot that the notary might still have the
notarial journal in his possession.

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Incredulously Ms. Carr got a phone call just prior to Thanksgiving and it was the wife of the notary. She
indicated that he indeed still had the notarial journal and also stated that he had performed hundreds
upon hundreds of the notarizations upon assignments, lost note affidavits and modification agreements
while employed at Home123 Corporation & New Century Mortgage.

Ms. Carr then emailed information on the date the recorded document had been signed and notarized
and the notary sent back scanned copies of the page(s) of his journal. In California there is a
requirement for a finger print of the person signing the property related document and Ms. Carr knew
that could be very helpful in determining who really put the ‘squiggle’ on the Corporation Deed of
Assignment. The assignment went from Home123 Corporation to U.S. Bank, N.A. and Ms. Carr had
never done business with U.S. Bank, nor ever had a loan with them. The attorneys for Home123
bankruptcy trustee also indicated to Ms. Carr that her loan had been sold to Chase just days after she
closed on it. Indeed Ms. Carr believes she has located her home loan number in a document filed with
the Securities & Exchange Commission and it is in REMIC securities trust which Chase created, namely
JPMAC2006-NC1.

Ms. Carr sat incredulous, reading and re-reading the scanned page(s) and then she communicated with
the notary again. She verified that there were no other pages completed in the notarial journal and
none with the date her document was notarized May 22, 2007. Her document also had handwritten
‘effective 4-12-2007’ essentially backdating the assignment. Ms. Carr got validation back from the
notary that the ‘effective 4-12-2007’ was NOT on the document when he notarized it. Thus, not only
was the document tampered with after notarization BUT it was invalid as this particular notary did NOT
do any further journal entries beyond March 6, 2007!

Here is an example of one of the line entries in Andres Rojas notary journal for March 5, 2007:

Lost Note Affadavit, Modification Agreement, Corporate Assignments all signed by Steve Nagy (a
Home123 Corp. and New Century VP of Records Management).

The problem with this is that per California laws, each document is to have its own line entry in the
notarial journal. Every Home123 Corporation or New Century Mortgage document this notary put his
notary stamp to and his signature to is INVALID.

The pages you see here are the ONLY pages in Andres Rojas’ notarial journal. It is illegal to clump a
whole series of various documents into one line item. The notary indicated that the employer told him
to do it this way.

Also recall that the notary indicated he did hundreds and hundreds of notarizations for the company.

Every document which has this notary’s signature and stamp on should be investigated, whether you are
in default, foreclosure, current with your mortgage payments or have done a loan modification and yes,
even if a lawyer has presented in court a ‘lost note affadavit’!

Ms. Carr has seen recordings in Florida, California and other states having been notarized by Andres
Rojas.

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Keep in mind that New Century Mortgage was one of the largest subprime lenders in the world and
most of the loans which they originated ended up in huge mortgage pools which were sold to the likes
of Chase & Morgan Stanley etc. There were over 4200 mortgage loans in the pool where Ms. Carr’s loan
ended up, which was sold to Chase who then securitized them all. Most ended up in JPMAC2006-NC1
and large institutional investors bought certificates in that REMIC trust.

Why is what Ms. Carr discovered important to the investors? Because if the assignments are invalid
then, according to IRS laws on REMIC trusts, they were not really in the securities trust by the cutoff
date when the investments were sold to the institutional investors. This would allegedly mean that the
banks and investment houses were selling vaporware to investors and reaping the benefits of scamming
the IRS out of taxes due. This would allegedly mean the banks and investment houses were committing
fraud.

This would also mean that many lawyers representing the banks and investment houses, allegedly have
been conducting fraud upon the courts in foreclosure actions & in the presentation of lost note
affidavits to the courts…..yes even in the homeowner bankruptcy.

This may have implications to those who are current on their mortgages, for they may not have clear
title when they go to sell their homes, refi or even pay off their mortgage loans due to the defective
assignment.

Ms. Carr has asked the California Secretary of State Debra Bowen and the new California State Attorney
General Kamela Harris to investigate the matter. Some of the California Government Codes which
govern notaries is found in 8200-8230.

http://www.aroundthecapitol.com/code/getcode.html?file=./gov/08001-09000/8200-8230

Documents which were notarized by Erika Reyes, Alejandro Mercado and possibly others who are
employee-notaries of New Century Mortgage or Home123 Corporation, should be scrutinized closely.
Erika Reyes and Alejandro Mercado both were California notaries. In some cases these two individuals
also signed documents such as ‘lost note affadavits’ and ‘letters of consent’.

Ms. Carr advises each person who obtained a home loan or refi with New Century Mortgage or
Home123 Corporation to obtain certified copies of all recordings related to their property from the
county recorder’s office and then scrutinize the document very carefully. If one suspects notarial
misconduct she advises that you contact your local District Attorney & your State Attorney General.

Remember that New Century Mortgage and Home123 Corporation did loan originations across the USA.

Ms. Carr has completed her sleuthing and is going back to having fun with her new 4 month old
grandbaby.

Page 3 ©carra2011
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