Why getting this information out there seems impossible
I struggled with the title of this post for a bit and then I had two competing titles. It was either the one I chose or “Balls to the Wall”. It is far beyond time for me to share my story. The problem has always been that I am unsure where to start, as there is just so much to discuss. Should I start at the beginning and talk about why I decided to even challenge my mortgage? Or should I start at the present day now that I have come full circle? Now that I have the evidence to expose the foreclosure scam from start to finish?
There is also a vulnerability with sharing this story. It is a very personal story that most people do not and will not understand. Even when I share give as much detail as possible, many people just won’t get it. I believe this has been the biggest struggle. Learning the truth about our system, specifically the banking system, mortgages, and foreclosures has come with big sacrifices. Challenging comes with bigger sacrifices. I knew there would be sacrifices but there are many I did not expect.
Can Game Theory Predict Family Drama?
I have been following Professor Jiang’s Predictive History channel on YouTube. He seems to have figured out how to use game theory to predict what has been happening iand what is to come. In episode 13 he discussed how the people who wake up to the truth about our system will be “k*lled”. This is not by the elite, but by the people who refuse to accept that they have been deceived. K*lled is a strong word but he makes a good point that is well taken. Indeed, it has been the people I care about who have attacked me the most for challenging as I have. People I never thought would turn on me have done so simply because I woke up.
I realize I have to start somewhere with my story. Why I chose to challenge in the first place and how I have gotten serious flack is a good place to start . It will not explain why I have lost family members and even some “friends”. This is not easy to understand. But sharing the background might be the first step in understanding this strange phenomenon.
With Family Like This, Who Needs Enemies?
I was prompted to write this when I received, what would effectively become, the last phone call between me and one of my aunts. Well, it is the last phone call for now, for awhile, and possibly forever. Mind you, this aunt is not typical. I am not the first family member in whose business she has stuck her nose. Nor is this the first time she does so when it comes to my immediate family. But I think it is a good example of what “fighters” sometimes deal with. When I say “fighters”, I’m referring to those of us who buck the system and challenge it based on principle.
Awhile back I got a phone call from this aunt, who lives next to my parents’ now vacant house. The house belonged to my great-grandparents, who essentially helped found the community in which I grew up. My dad inherited the house and it therefore went to my mom when he passed away. It was a given that the house would ultimately be mine, as you will eventually understand.
I grew up next to family. My great-grandparents had a big piece of land, plats of which were later inherited by their descendants. My aunt, as it were, inherited my grandparents’ house, which she no longer owns nor is it still in the family. This is only relevant to the hypocrisy, not to my story itself, so I will leave it at that. The point is that my story is interwoven with deeper family concerns. However, it is not just family that have abandoned me because of what I have been doing. An ex-“friend”, who is a realtor, lost his noggin because I should, according to him, “just pay my mortgage”. Thus is the nature of the beast and in line with Professor Jiang’s statements.
The Apple Doesn’t Fall Far From The Tree
At some point I will share all the details of how we, including my mom, decided to challenge. What we learned compelled us to challenge the fraudulent mortgages. We learned how these mortgages helped cause the 2008 housing crisis. For now I’ll just say that my mother, with all her faculties, decided to question the ownership of the note on our house. God bless her. Many people, including my own siblings, do not seem to understand that I am woven from the same cloth as my mother, and not the other way around. If it weren’t for my parents; their personalities; and how they raised me, I would not be here making these challenges.
That mortgage happened back in about 2005 when it became clear that the roof on the very old house was falling apart. The house also needed a general upgrade. My brother, who had convinced me he could be the general contractor on my own home construction just prior to this time, also convinced my mom the could make the upgrades to the roof and the house. At the time we started my house construction I was relatively young – around 28 years old. My ex-husband and I had been together for several years by that time. We had recently gotten married but for all the wrong reasons. We were both engineers with good jobs and big dreams that we presumed included each other.
When Your Dream Home Becomes A …. Nightmare Home?
Who doesn’t, or at least in those years, didn’t envision their dream house? For my own house I envisioned a custom “Northern New Mexico territorial style” house with vaulted ceilings. I wanted it to be approximately twenty-five hundred (2500) square feet. At the time, we could have the custom home I wanted built for around $110 – $150 per square foot. I was expecting a mortgage of around $270,000 – totally doable for my ex and me; something nice, traditional, and manageable. I was really good with finances and had no doubt this was reasonable for our means. My ex, who we’ll refer to as “C”, being a mechanical engineer, drafted the plans while communicating with my brother. My brother was a “wheeler dealer” and convinced us he could build the house we wanted, essentially, on the cheap.
I eventually realized, but not for several years, this was how my brother always operated. I also realized his lofty goals were rarely attained. In the meantime, C decided that the rooms and hallways looked too small. He also insisted on a 12/12 pitch for a roof. I protested, stating that such a pitch would be too high for vaulted ceilings. He insisted. I caved but recognized having such a pitch was ridiculous for vaulted ceilings. We ultimately decided we would use the space as a whole other second floor. There goes my “dream” house.
Bigger Is Not Always Better
To make a long story short (or a short story long as it were), the house ballooned into a 5400 square foot home with a matching mortgage. Eventually I will share the whole story in my upcoming book. My brother’s lofty goals of building this monstrous house with the same budget proved, over time, to be unattainable. We were deeply over budget while, according to my brother Felix, “thisclose” to finishing. According to Felix, we just needed “a little bit more money”.
My mother, God bless her, trusted him and had no doubt that he would fix her house as he said he would. I had no reason to doubt that trust. The cost of the remodel/re-roofing was more than I had hoped. But I trusted my brother that it was the going rate. It was pretty well-known in my family at the time the house would ultimately be mine. Despite this fact, some family members now think they have some say in the situation. Not to mention the drama I dealt with when being forced to probate my mom’s estate. Because the house was ultimately mine, I offered to pay the mortgage if my mom would agree to an additional fifteen thousand. These funds were used to pay my brother to finish my own house, again which he claimed was almost done.
In the end, I got a house that I did not want and one that is way too big. It is beautiful home, but because of everything involved, the house is not what I wanted. I do not want to sound ungrateful, but the truth is I made many sacrifices to deal with the situation. We have held back on putting much money into it because of the uncertainty. This, in addition to the backlash I have received in even the most unexpected ways. It is something I have learned to live with.
The Straw That Broke The Camel’s Back
Imagine that – I agreed to a $100K mortgage because I wanted a fraction to complete my own house. I would never have done this if I did not expect to have a primary interest in the house. I made payments on the mortgage for approximately seven years before my mom decide she wanted to challenge the mortgage. This was around the time when the news was getting out about criminal charges against Angelo Mozilo, owner of Countrywide. Countrywide was the so-called lender on both our mortgages. But as you will eventually learn, it was nothing more than an intermediary. By this time, around 2012, I had already started asking questions about my own mortgage. I had come to learn something was very wrong.
Did I mention that the additional fifteen thousand was, alas, not enough to finish my house? And, sadly, when the money ran out, my brother split the scene. Mind you, I cared a great deal for Felix and I just accepted this as if nothing was wrong. In hindsight I should have made a claim against his bond. This would have meant there was something he did wrong. I was not in the space to accuse my own brother of such thing. The money ran out, so I was on my own and I accepted it. This will be critical to my story at some point. I managed to scrounge a little more funds to continue with a different contractor. It was a friend of C’s who stepped in, but this also was not enough to finish the house.
The house became a “money pit” in my mind, but really, in hindsight, it was just overbuilt and over-budgeted. Without getting into all of this right now, I was essentially left holding the bag. It took me a good while to realize this was a house I did not want. I allowed myself to be saddled with C’s over-designed and Felix’s under-budgeted house. Truth is, I was willing to take it on. I believed that C would keep his end of the agreement, which would have allowed us to sell the house. This did not happen. It is what it is. I have accepted this fate and have, as they say, made lemonade out of lemons.
How To Create An Accidental Activist
This is where my wild story comes in – my “accidental activism”. The irony of the story is that it was Felix’s own mortgage default and eventual foreclosure that induced me to look into the mortgage fraud in the first place. Although my mortgage was bigger than I wanted, I managed to work out a modification that I, along with my ex, could pay. Though money was tight, I was also able to pay my mom’s mortgage at the same time.
God had different plans. He gave me a peek behind the curtain of the fraudulent mortgage industry. Coupled with the principles He instilled in me during my life, I could see no other way to address the situation than to challenge my mortgage. My brother did the same and stuck it out until it became easier for him to squat on another property owned by my mother and walked away from his house. That is a story for another day.
Like Daughter Like Mother
In the midst of our challenges back in 2011/2012 my mom had been watching news stories about the fraud and told me she wanted to challenge. I actually have a hand-written document where she expresses her feelings about the situation and shows how strongly she felt about the cause. Of course, none of my siblings or family recognize this and they blame me for “losing” our (my) house (all is not lost, though, as you will eventually learn). Recall I said that I agreed to paying the mortgage because I believed the house would ultimately be mine. Despite this, I have family, including this aunt whose call I recently received, who seem to believe they have a say in this.
I was well aware, when my mom stated she wanted to challenge the mortgage, that I would be doing all the work. Despite challenging my own mortgage and accepting whatever outcome, I was willing to continue paying on my mom’s mortgage. She insisted on challenging and I, a young, altruistic, “freedom fighter” was up for it. Little did I know how corrupt our court system is. I also had no idea how long it would take to move through this process.
God Is ALWAYS In Charge
The timing of all of this has been astonishing, however. There were times along the journey where God’s presence in the situation was very clear. In fact, at no point did I question whether He was in control. Things rarely went as “planned” (by me). However, there is no doubt this whole exercise would have culminated in the epic disclosures and discoveries I have made.
The battle for my childhood home, my house, is not over. The way things look it will not be over for some time. In the meantime, it is absolutely imperative for people to know what is happening in foreclosure actions. It is happening not only in my state, New Mexico, but across the country. It is my belief that the delay in sharing my story was part of God’s plan. We are in some wild times right now. This information is needed now, more than ever.
Sadly, many people are going to find themselves in the unfortunate situation of foreclosure. Housing costs are skyrocketing. Renting is not an option given the cost. Foreclosure makes it even harder for people to rent due to damage to “credit” scores. The time of “walking away” is over. It is high time people learn what has been happening. Now is the time to understand how millions of Americans were duped into giving up their birthright. Jefferson’s grim warning is here. Americans are becoming homeless on the “land their fathers conquered”.
Don’t Try This At Home
I would not recommend anyone actually do what I did – challenge a mortgage when I had no problem paying it. But when you learn the truth you might feel the same. Conscientiously, I had no choice. Even now, as I am attacked by my own family – this time my aunt, calling me a “squatter” in my own house, I will stand strong in the conviction given to me by God. Jesus Christ paid our debts. This premise is more relevant in today’s world than people realize. It does not just reflect payment for our sins, but actual debts that God never intended to be foisted on the people. People in this situation have asked for “advice”. I cannot give legal advice and nothing I state should be construed as such. However, one of the first things I tell them, is to expect to be attacked. Even by people they love. We will explore this deeply here over the next few weeks.
When you learn the truth about a “Note” and a “mortgage”, and if you have a strong sense of conscience as I do, you’ll understand why I have stuck with this fight for so long. This is also why I will see it through as long as God wishes. There is a reason the cost of housing is skyrocketing and that reason might not be what you think.
“Squatters” Are The New Deadbeat Homeowners
I will write a separate article about “squatters” or “squatting”. This seems to be the new gaslighting tactic. It is a way the “system” has managed to brainwash people into believing it is perfectly acceptable to abandon their properties. Who wants to be called “squatters”? Sticks and stones, my friends. This is a way to shame those of us who have woken up to the scam. It seems to have replaced “dead-beat homeowners”, which has apparently lost its luster. Or maybe it is just the label they place when you make it as far as I have. If you continue to follow me, you will understand that we have been lied to about every single thing we have ever been taught by the puppet masters.
Gaslighting is real, and it is HUGE in the foreclosure space. We are seeing this on the world stage right now related to just about anything being challenged. It is not surprising it also exists in this space. The craziest place to see it is in the courts. The irony is that foreclosure mill attorneys not only heavily gaslight foreclosure defendants but also judges.
In upcoming posts you will understand how this is happening, and how is it resulting in serious rights violations. It is also resulting in property loss on a massive scale. Stay tuned!