1st Runner-Up Douche: Reno TWIT Realtor Allan Zane

[El Gstr]

We knew from the day that he announced he was joining Reno, Nevada’s Remcor Fraudster Realty that truth and ethics were not Remcor Realty Fraudster Realtor Allan Zane strong suit. His court and legal papers’ speechs/rants equal a level of absurdity and his fraudulent contracts equal felonies.

No doubt Remcor Realty Fraudster Realtor Allan Zane was trying to make some monumental point about America’s downtrodden that only a bully of his unique twisted vision and fraud-induced insights could articulate. However, to use the tragedy to grandstand and posture, to mention it in the same breath as the rantings of a burned-out, crusty morning DJ, cheapened and insulted the entire trials.

Lucky for Remcor Realty Fraudster Realtor Allan Zane, Cho Seung-Hui did his business early in the day so that he had plenty of time to edit his afternoon speech and practice his off-the-cuff emotional delivery. This must be what his supporters mean when they describe him as an amazing orator. Hardly Abraham Lincoln as Remcor Realty Fraudster Realtor Allan Zane aka TWIT blather more closely approximated the verbal incontinence of Al Sharpton.

Not merely classless, ghoulish and gauche, Remcor Realty Fraudster Realtor Allan Zane aka TWIT is a douchebag.

Honorable Mention Douchebags

Senator John Edwards (the affair)

Reverend Al Sharpton (he’s Reverend Al Sharpton and the hair)

Radio personality Don Imus (who cares, he’ll be dead soon)

Arkansas Razorbacks Head Coach Houston Nutt, and,

Nevada Governor Jim Gibbons (if you’re going to be a douche, don’t keep the evidence on a cell phone paid for by public tax dollars. Zeroes Among Us, Gov. C-d, http://www.broowaha.com/article.php?id=3348.

Remcor Realty Fraudster Realtor Allan Zane is a simple, undereducated, preaching fraudster buffoon. He is half a baby step away from the homeless people who babble to themselves in the street. He may well be insane, it's hard to tell without seeing him in person. Just stop. Stop embarrassing yourself and go away. Far away. Far away where the real estate and mortgage and legal fraudsters run free and chase butterflies in fields of sunflowers. Go be with the real estate and mortgage and legal fraudsters, Remcor Realty Fraudster Realtor Allan Zane. Let them pet your head and tell you the truth. Now go Remcor Realty Fraudster Realtor Allan Zane, be free, be with your people. Run along sweet cheeks, run along. Good boy, good....

"Remcor Realty Fraudster Realtor Allan Zane, you lookin' at me? You look' at me? Are you lookin' at me?" It's awesome. Not only is Remcor Realty Fraudster Realtor Allan Zane dumb, he's totally looped. Remcor Realty Fraudster Realtor Allan Zane, you can't hide what you are and what you do. You are a sanctimonious psycho fraudster. I think Bristol Palin’s retarded fetus is more qualified to be a Realtor and human than Remcor Realty Fraudster Realtor Allan Zane is.

Remcor Realty Fraudster Realtor Allan Zane, are you trying to out-stupid yourself?! If so, mission accomplished boy! Go treat yourself to a Nazi pie! Remcor Realty Fraudster Realtor Allan Zane, if you send me a postage pre-paid 3 x 3 x 3 box, I'll mail you the shit Eleanor and Gertrude produced on your fraudulent contracts and court documents. I can also send you a clump of their urine (complete with litter) if you like. Next person to call this dumb, crazy dick a dick will get a -1 on their comment from me. Take that, potty mouths.

Outlaws Among Us, Zane, http://www.broowaha.com/article.php?id=3394

“This is the way the world ends, not with a bang but with a whimper.” TS Eliot
With a Wells Fargo FHA insured $162,000 construction loan, Cheryl and & Thomas Hanneman built their Reno home in November 2000. The home was later appraised at $350,000. In March 2005, the Hanneman’s found themselves in foreclosure due to Mr. Hanneman’s broken neck. That foreclosure was posted in the Reno Gazette Journal.

Allan Zane, a real estate agent/broker with Remcor Real Estate, visited the Hanneman’s at their home on a Friday evening. He told the Hanneman’s his “buddy, a private investor, Scott Dugan, would loan $20,000 to cure the foreclosure secured by a Promissory Note and Deed of Trust.”

Magi Bird is the Real Estate Broker and founder of Remcor, with “Out of The Ordinary,” as their motto. Mr. Zane set up a meeting for two days later, on a Sunday, at First American Title Company in Reno. They were to meet with Mr. Zane, Scott and Feather Dugan, and escrow officer Sher LeGault. Ms. LeGault went on to be the manager of the Fernley, Nevada FATCO office which then closed March 31, 2008. Lynn A. Donner is the President and State Manager for Nevada FATCO.

Ms. LeGault presented the Hanenman’s with a Promissory Note and Deed of Trust along with many more papers to sign. They were told "all necessary to prevent your home from being sold at public auction in two more days,” (the following Tuesday). There is no, although legally required, written Three Day Right of Rescission in the Hanneman’s paperwork. It later turned out that why this legally required document was not in the paperwork is that unknown to the Hanneman’s, and unwillingly, they had signed a Grant, Bargain & Sale Deed.

After the Settlement Date on the escrow documents, several documents were amended and rescinded for up to 2 1/2 months. The result was further benefits to the Dugans and more fees, deposits, damages, and fines to the Hannemans.

The real arrangement it turned out to be was for the Hanneman’s to pay the Dugans. The Dugans were to pay the Hanneman’s mortgage payment in the Hanneman’s name for the next six months. There was an additional monthly charge to the Hanneman’s for that “privilege aka under the cloak that the Hanneman’s could re-build their credit.” That ploy is a 42 USC 3604 violation for rental price discrimination and commonly referred to as "Loan Slamming."

Payments would apply to the Dugan’s Consideration, an essential element of a valid contract. However, the Offer and Acceptance contract prepared by Remcor Realty was illegal on the face of it and therefore never a valid contract.

It is illegal as it is mandatory for a buyer/borrower to either pay off or assume an FHA Mortgage Loan. The Offer and Acceptance Contract prepared by Remcor Realty had specifically written out that the loan would stay in the Hanneman’s names and the lender was not to be told.

That is in violation of the HUD Reform Act of 1989. It states that buyer/borrowers may assume FHA loans only as owner-occupant and only for their primary residence and never for investment property. The Act further states that the buyer/borrower must be preapproved by the FHA lender prior to assuming the loan.

Remcor Realty and Mr. Allan Zane handwrote wrote on the Offer and Aceptance Contract that "the investor will assume the FHA loan under the existing terms and conditions, and the lender is not to be informed."

That is a violation of 42 USC 3604. It is the felony of Mortgage Fraud. It was knowingly done by Remcor Realty, Mr. Allan Zane and the Dugans to prevent Wells Fargo from exercising the "due on sale clause" in Wells Fargo’s Deed of Trust.

In September 2005, the Dugans wrote the Hannemans they wanted more money from the Hannemans if the Hannemans wanted to stay in their home.

18 USC 1014 makes it a felony to knowingly making false statements or willfully overvaluing any property or security to influence mortgage lenders’ actions. The Dugans made the Hanneman’s another offer. This one to buy back their home from the Dugans for $300,000.

The Hannemans filed complaints.

Their complaint to the Attorney General’s Office is considered to be dual filed with HUD according to 24 HUD 1B 103.25(a)(3), "all further legal proceedings concerning the subject FHA mortgage loan and property should be stayed until HUD issues its Findings of Fact and Conclusions of Law."

The Hanneman’s notified the Dugan’s of their filed complaint. In retaliation, and an illegal action, the Dugan’s filed and illegally obtained an Eviction Order from Justice Court. Retaliatory Actions are prohibited per 42 USC 3601 and NRS 188A. The Hanneman’s appealed the Eviction Order to the District Court #CV06-00520 and filed a three month rent bond with the Court pending the Appeal.

The Dugans went back to Justice Court, although now void of jurisdiction, and obtained another illegal Eviction Order. How? The Dugans intentionally failed to tell that judge everyone was all on appeal to another court over the same issue. When that was discovered, the Hannemans were not allowed by the Justice Court Clerks to answer this other Eviction Order. Nor was that other Eviction Order vacated/dismissed as it should have been.

The Dugans then illegally and maliciously changed the locks to the Hanneman’s home, barred their windows breaking blinds in the process, and screwed a wood bar into the inside garage door frame on either side. They then gutted the Hanneman’s home of every personal belongings. They were put into two 40 yard dumpsters.

The Dugans then opened the Hanneman’s mail, and took the Hanneman’s pets to the humane society. Several pets died. The Dugans then pushed three of the Hanneman’s vehicles out of their driveway and across the street into the County maintained water run-off ditch. The Sheriff's Department later impounded them.

If the Dugan's were landlord's as they claimed, the Dugan’s actions violated NRS 118A.460 1(a): in a lawful eviction, that "The landlord shall reasonably provide for the safe storage of the property for 30 days after the abandonment or eviction or the end of the rental period. The landlord is liable to the tenant for his negligent or wrongful acts in storing the property. (c) Vehicles must be disposed of in the manner provided in Chapter 487 of NRS for abandoned vehicles."

The Hanneman’s then filed with the Federal District Court #3:06-CV-00472 for a violation of their Constitutional Rights of the Amendments Five and Fourteen for violation of due process, violations of the Fair Housing Act, 42 U.S.C. 3604, 18 U.S.C. 1014, and 42 U.S.C. 3601.

The Hannemans never did get their home, possessions or life back.

Sources are the Washoe County public records, the Multiple Listing Service, Reno Gazette Journal, Remcor courses taught at Reno-Sparks Association of Realtors, United States Code, NRS 645, NAC 645, NRS 118A, Realtors Code of Ethics, Reno Justice Court, Reno District Court public records, 42 USC 3604, Cheryl & Tom Hanneman, Ed & Katie Campbell, First American Title escrow documents, and Offer and Acceptance Agreement prepared by Remcor Realty.
Cheaters Among Us, Riley, http://www.broowaha.com/article.php?id=3526

Heroes Among Us, Broch, http://www.broowaha.com/article.php?id=3477

Is Your Lender A Patriot Or Terrorist?, http://www.broowaha.com/article.php?id=3462

Greedheads Among Us, Gledhill, http://www.broowaha.com/article.php?id=3448

Heroes Among Us, Houk, http://www.broowaha.com/article.php?id=3430

Culprits Among Us, Clark, http://www.broowaha.com/article.php?id=3421

Cheaters Among Us, Barry, http://www.broowaha.com/article.php?id=3415

Bullies Among Us, Mapes, http://www.broowaha.com/article.php?id=3404

Cheaters Among Us, Homier, http://www.broowaha.com/article.php?id=3397

Cheaters Among Us, Kings, http://www.broowaha.com/article.php?id=3377

Zeroes Among Us, Scheible, http://www.broowaha.com/article.php?id=3372

Cheaters Among Us, Maree, http://www.broowaha.com/article.php?id=3351

Cheaters Among Us, Gledhill, http://www.broowaha.com/article.php?id=3300

http://www.babelation.com/?q=node/1208

http://www.babelation.com/?q=node/1356

http://www.babelation.com/?q=node/1448

http://www.babelation.com/?q=node/1306

Good Guys Don't Have Degrees Of Integrity

http://www.broowaha.com/article.php?id=4247

El G, that’s with one G

[Morgana]

[Craig B.]

Beware of Loan Modification Documents -- Read Carefully!

Folks, as part of my ongoing misery with Countrywide -- after it failed to follow through with a loan refinancing deal because I refused to sign the loan application that CW employees completed with false information (they overstated my income and also showed me as having a $30,000 savings account when I had none at all!) -- Countrywide sent me a "loan modification" agreement. This process is apparently totally separate from any refinancing arrangements.

Supposedly, the loan modification was based on CW's discussion with the Attorneys General of various states that sued the company for fraud / deceptive trade practices. The letter I got from CW regarding the loan modification said I needed to do absolutely nothing to get a reduced interest rate and most importantly to us, a reduced monthly payment schedule. Yet when they sent the loan modification document, lo and behold, there was a paragraph in the document by which I agreed to give up any legal rights I might have against Countrywide based on alleged fraud or misconduct in refinancing. I refused to sign it. Nobody had ever mentioned that I was going to have to give up and release any claims I might have against this company. CW puts people in horrible economic circumstances, gets them over a barrel, so to speak, then knowing that a person in that position will do and sign almost anything to save the home, puts provisions in the loan modification documents to protect themselves from past lies and misconduct. How egregious is that?? Did Congress really give BOA and CW billions in funds so that the company could run roughshod over the rights of borrowers and silence their complaints of fraud and deception in the refinancing process? I think not.

The refinancing scam is going to prove more deadly to our nation than even the subprime loan origination practices that set our economy's downfall in motion. Sooner or later, the truth will come out. For those of us who are CW customers and have experienced this firsthand, there will be no surprise when it all surfaces. But it will likely be too late to reverse the damage done...
Where is the government oversight? Where is the "transparency" in Countrywide's handling of these matters that we have heard would be required of these monster corporations receiving billions from the federal government?

Note that Countrywide's attorneys -- in a court of law, mind you -- have stated that their refinancing offers are "not promises of anticipated future performance" on the company's part but are mere "puffery" ... What does this mean in plain-Jane English? It means, ladies and gentlemen, that CW's refinancing offers are absolutely meaningless. Also be aware that if your refinancing depends on an appraisal of your property, that Countrywide has been sued in the State of Washington for mortgage appraisal manipulation. Meaning, Countrywide cherry-picks appraisers to give the company the valuation that it wants, not the true valuation of your property. There are countless ways this company will scam you, defraud you and eventually send you to foreclosure.

Then of course when the refinancing fails, for whatever reason (a loan application that CW itself falsified, or a bogus appraisal on your property that results in you NOT qualifying after being promised and assured that you do), you get a loan modification document that will take away any legal rights you have against the company. BEWARE!!

Brandon

[e-mail]

[Craig B.]

Nevada legislators finally got fed up enough with the lenders illegal foreclosures and did something.

http://www.leg.state.nv.us/75th2009/Bills/AB/AB149.pdf

[El Gstr]

So What If Nevada’s Senator John Ensign Is Hanging Out Banging Nevada?

Hmmmmm – Nevada’s Senator John Ensign involved in failing to investigate complaints, failure know what mortgage fraud is, failure to keep his marriage vows, supporter of bigamists and polygamists, failure to keep his pants up, banging his staff, and bad hair. Maybe failing to investigate complaints, failure know what mortgage fraud is, failure to keep his marriage vows, supporter of bigamists and polygamists, failure to keep his pants up, banging his staff, and bad hair is a problem where you're at, but it is not a problem in California, or obviously Nevada. What’s wrong with you?

Nevada’s Senator John Ensign has won the Bad Hair Failure to Keep Promises Douche Moron of the Decade Award. He threw Nevada under the wheels of bus. The world is his $2 whore.

California and Nevada understand that Nevada’s Senator John Ensign does not need to be weighed down by his failing to investigate complaints, failure know what mortgage fraud is, failure to keep his marriage vows, supporter of bigamists and polygamists, failure to keep his pants up, banging his staff, and bad hair lapse until censured or fined or fired or divorced. When is the last time the local media mentioned said failing to investigate complaints, failure know what mortgage fraud is, failure to keep his marriage vows, supporter of bigamists and polygamists, failure to keep his pants up, banging his staff, and bad hair lapse? Exactly … who knows … he is Nevada’s Senator John Ensign and has a life to lead.

So what if Nevada’s Senator John Ensign is hanging out banging Nevada, and his staff? Nevada’s Senator John Ensign is not going to spank and choke himself. So what if Nevada’s Senator John Ensign needs a mother figure? Nick Lachey needs someone to do bullet shots with at Hyde.

Nevada’s Senator John Ensign would be wise to relocate to Los Angeles to be amongst other visionaries like him. In fact, we should thank Nevada’s Senator John Ensign, transplants to Nevada, for reminding us what it means to be Californians. I hope Nevada’s Senator John Ensign gruesome tale is not an omen for the future state of our nation. If throwing your colleagues, clients, wife, friends, students, neighbors, and staff under the wheels of the bus is right, I am scared to know what wrong is.

(This article is dedicated to the loving memory of Ms. Anna Nicole Smith. We can only pray that Elton John will eulogize her, and Nevada’s Senator John Ensign with yet another version of that candle song on national TV. Goodbye, Vickie Lynn… your dealers will miss you.) Even Porky Bully is a hard-bitten middle aged jaded soul who has seen the true ugliness of the real world and knows there is only one way to survive.

Is it still sarcasm when I have to explain it?

Flip Flop Rers Among Us, James K. Olson @ http://reno.broowaha.com/article.php?id=3630,

Cheaters Among Us, Olson @ http://reno.broowaha.com/article.php?id=3334,

Bigamists Among Us, Olson @ http://reno.broowaha.com/article.php?id=3481,

Cheaters Among Us, Gledhill @ http://reno.broowaha.com/article.php?id=3300,

Is Your Lender A Patriot Or Terrorist? @ http://reno.broowaha.com/article.php?id=3462,
and @ http://renomortgagefraudexposes.ning.com/profiles/blogs/flip-floppers-among-us-marin

El G, that’s with one G.

[Craig B.]

Three million illegal foreclosures and counting. War in its classic sense has come into American’s homes because they can't pay their mortgages due to the mortgage fraud.
http://www.cbsnews.com/stories/2009/02/13/ap/europe/main4799190.shtml?source=search_story

[El Gstr]

Even Porky is a hard-bitten middle aged jaded soul who has seen the true ugliness of the real world and knows there is only one way to survive.

[Craig B.]

[Craig B.]

[Speedbump]

I don't know what Reno’s Realtor Alan Zane and Remcor Realty and Reno Realtor and Broker Magi Bird’s problem is, but I'll bet it's hard to pronounce.

[Maryam]

Another Sorry Example of Realtors Lack of Professionalism/Ethics

My experience is with real estate agents in California and Nevada. Here’s what real estate agents I, my family, friends and coworkers have known and read about have finally convinced me and us of.

All real estate agents are ONLY sales people. The vast majority of real estate agents are lacking in manners. All real estate agents are failures at agency and fiduciary duties. All real estate agents are GROSSLY under-regulated. All real estate agents are grossly NOT held accountable for what little they are regulated for. The vast majority real estate agents are more often than not, practicing law without a law license in real property law, landlord-tenant law, contract law, homeowners associations’ law, and contracting law. The vast majority real estate agents are practicing in other areas such as taxes, accounting, finance, contracts, economics, construction, permits, contracting, education, loans, fire & liability insurance, engineering, civil rights, urban planning, landlord-tenant issues, finance, escrow, title insurance, homeowners associations, and politics they have little and certainly NOT enough expertise in. All real estate agents are GROSSLY overpaid. The vast majority real estate agents do not pay their fair share of income taxes. The vast majority real estate agents do not pay their fair share of business license fees. That is at the city, county and state level. All real estate agents and their managers should have at minimum, a Bachelors Degree in Real Estate.

All Escrow Officers and their managers should have at minimum, a Bachelors Degree in Business with an Escrow Major.

All Loan Officers, Home Mortgage Consultants, whatever they choose to call themselves, and their managers should have at minimum, a Bachelors Degree in Finance.

All Real Property Title Officers and their managers should have at minimum, a Bachelors Degree in Business with a Real Estate Major.

All State Division or Department of Real Estate investigators, staff and administrators should have at minimum, a Bachelors Degree in Real Estate.

All State Division or Department of Insurance investigators, staff, and administrators should have at minimum, a Bachelors Degree in Real Estate with an Escrow Minor.

All State Division or Department of Mortgage Lending investigators, staff, and administrators should have at minimum, a Bachelors Degree in Real Estate with a Finance Minor.

All State Attorney Generals and Deputy Attorney Generals, should have along with their minimum of a law degree, also have a Bachelors Degree in Real Estate with an Escrow Minor.

All Board of Realtors staff and administrators should have at minimum, a Bachelors Degree in Real Estate.

All MLS staff and administrators should have at minimum, a Bachelors Degree in Real Estate.

All educators who teach real estate either in the public or private sector should have at minimum, a Bachelors Degree in Real Estate.

All educators who teach escrow either in the public or private sector should have a Bachelors Degree in Real Estate with an Escrow Minor.