Category Archives: Houston House Husband

Predatory Lending and Planned Foreclosure in USA

Consumers need to know that they may be dealing with companies who are unlicensed and are not authorized to act as a mortgage lender or mortgage broker. In addition, it is also an unfair and deceptive act for a licensed mortgage lender or mortgage broker to conduct business with a person or company which is not licensed.
Here was the trap we fell into. Marquis Money, an unlicensed company in Houston, was our mortgage broker. He worked with Flagstar Bank with underwater and subprime mortgages.

Predatory Lending and Mortgage Fraud

On February 24, 2012, the U.S. Department of Justice (“DOJ”) filed a complaint in the United States District Court for the Southern District of New York, Case No. 12-cv-01392, against the Company alleging that for over a decade Flagstar had been improperly approving thousands of residential home mortgage loans for government insurance. Specifically, the DOJ alleges that the Company: used unauthorized staff employees in the loan approval process; paid substantial incentive awards to these unauthorized employees for exceeding certain quotas; permitted underwriters to submit false certifications to the Federal Housing Administration (“FHA”) and the U.S. Department of Housing and Urban Development (“HUD”); and misled FHA and HUD by certifying that the loans had been fully underwritten by properly registered and sufficiently experienced underwriters when they had not. The DOJ further alleges that as a result of the foregoing, thousands of loans were approved for government insurance that did not qualify for insurance and when the loans defaulted, HUD was forced to cover the losses.
On March 13,2012 it was announced that shareholder rights firm Robbins Umeda LLP was investigating possible breaches of fiduciary duty and other violations of the law by certain officers and directors at Flagstar Bancorp, Inc.
In particular, the firm investigated allegations that Flagstar violated the False Claims Act when it improperly endorsed federally insured mortgage loans that eventually defaulted and falsely certified its loan underwriting practices to federal housing authorities. On February 24, 2012, the U.S. Department of Justice filed a complaint against Flagstar, which alleges that Flagstar utilized under-qualified underwriting assistants to approve thousands of residential home mortgage loans for Federal Housing Administration insurance. The complaint also alleges that Flagstar improperly set daily quotas for the underwriting assistants and paid them substantial incentive awards for exceeding their quotas. While engaging in this scheme, the officers and directors of the company not only exposed Flagstar to significant liability, but, represented to the investing public that Flagstar was operating in compliance with all applicable laws and regulations.
Flagstar did not conduct its operations in the underwriting of
FHA loans in accordance with HUD-FHA regulations.

On February 24, 2012, Flagstar admitted, acknowledged, and accepted responsibility for submitting false certifications to HUD about the eligibility of its loans for FHA insurance.
In a settlement reached with the U.S Attorney’s Office, the lender agreed to pay $132.8 million to the United States in damages and penalties under the False Claims Act and to reform its business practices.
Flagstar admitted that during the period January 1, 2002, to February 24, 2012, it delegated underwriting decisions to unauthorized staff.
The lender also admitted that it underwrote and approved for FHA insurance loans that did not comply with certain HUD-FHA underwriting requirements, and HUD paid insurance claims on these ineligible loans.
Further, the U.S. Attorney’s Office announced that Flagstar set daily quotas for its HUD approved underwriters and underwriting assistants and paid these employees substantial incentive awards for exceeding daily quotas.
Flagstar agreed to pay $132.8 million and to other concessions to resolve the U.S. Government’s claims.
The lender agreed to pay $15 million within 30 days after approval of the settlement by the court and make additional payments totaling $117.8 million as soon as it met certain financial benchmarks.
Additionally, Flagstar agreed to
(1) comply with all relevant HUD-FHA rules applicable to direct endorsement lenders,
(2) the completion of a 1-year period in which Flagstar’s compliance with HUD-FHA rules would be monitored by a third party at Flagstar’s expense, and
(3) implementation of a training program for all employees involved in the origination and underwriting of FHA loans. Flagstar also agreed to certify to HUD that the individuals in senior leadership positions who previously had primary responsibility for initiating and overseeing Flagstar’s manual underwriting process were no longer employed by the lender

hinde

We bought our home in 2008, started negotiations with Flagstar for a HAMP mortgage adjustment in 2009. After a year of back and forth paper work, we decided to hire an attorney to straighten this out in 2010. We were told not to make anymore payments until it was straightened out.
Bad advice from a bad attorney.
Don’t let this happen to you!
My PSA for the day.

#flagstarbank #Houston #Mortgage #Foreclosure #HUD

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Judge Dan Hinde

This is a letter my husband wrote to Judge Dan Hinde, District Court 269, Harris County Texas.  His ruling on our 8 year long case is abhorrent and he is up for reelection.  From the beginning of the trial, when he referred to my Husband as “Mrs. Turner”, I knew the fix was in.  Elaine Stoute was the attorney for the defendent, Queens Park Oval Assets Holding Trust.

The case is Statutory Mortgage Fraud and our attorneys, that we fired in 2015, continued to speak for us, without our knowledge. John C Osborne and William Robertson from Houston, Texas are scam artists to the ninth degree and not to be trusted.

hinde

John C. Osborne record:

PUBLIC DISCIPLINARY HISTORY
State of Texas*
Sanction Entry date
(Start-End)
Sanction
(Start-End)
Probation
Fully Probated Suspension

12/15/09 01/01/10 – 12/31/13
Partially Probated Suspension

09/09/13 01/01/14 – 12/31/14 01/01/15 – 12/31/16

The Letter:

Your Honor:
My name is Jody Turner and you tried a case on July 2 of 2018. I wanted to say thank you for your ruling, But I feel there was something you may have over looked for the case went on for 8 years. It was not about us paying the mortgage for when we first filled it was due to Statutory Fraud for Marque Money, Jeremy Radack, Son of County Commissioner Steve Radack and Texas Supreme Court Justice Radack, was not registered in the state of Texas as a broker. To me that would void everything.
The reason we did not sue Marquis Money for his he son of Steve Radack and he the constable and his mother sits on the supreme court of Texas. Do you think it would be worth it.? We did not so we did not file on them. But what I disappointed in was the way the big company and get way with things and the other guys get the boot to say.
To me, if someone is not registered in the state of Texas, that says they cannot not do business in the State and anything that all he signs would have been voided.
So instead the big company come in can confuse the courts and the case around and the little people get the boot. For us, we have housed many people in the time of need, to get them off the streets of Houston and with the ruling you make you put more out on the streets. Ever wonder why there are so many people on the streets? Well I don’t know many people that are hardworking that make about 13.00 dollars or less that make 3Xs the rent for a one bed room going for 850.00 X 3 would 2555.00 a month then add all their other expense to that and people and not afford it. Not everyone was lucky enough to get elected to the bench.
Like I said we tried to pay the mortgage, but they did not want so we were putting some of money back into the house and paying the other bill we could. The house foundation is cracked, black mold, the doors won’t shut, the pipes are breaking and all there is more, but I don’t want to bore you.
Most people thought we were living high on the hog. but we were not. The house we bought, was for 5 people. One person backed out before we bought the house. As time went on we bought there was 4 us then 2 year in one died the other move out. We were trying find others to live with us, so we can keep the house.
All this was over a high-power man that want to be working in Texas they did not have the right to do so. So, I guess it is ok to do things in Texas without a license or being registered in Texas and if you have money and power you can do what you want. For if we could have found some good lawyer as well we may have won the case. So, the company wins as the little lose again.
I just wish you would have look over the whole case.

Mr. Jody Turner

Dr. Jere K Douglas, ESQ

There is a lot more, but I would not recommend doing business in the State of Texas.

Foreclosure Tracking

None of this was heard in court on July 2, 2018.

 

2010

September 27, 2010  Preforeclosure from Flagstar Bank Letters  (First attempt at loan modification)

12/8/2010  Foreclosure attempt by Trustee Corps and Flagstar Bank

10/12/2010  Began working on loan modification after first foreclosure attempt by Trustee Corps and Flagstar Bank with a company.

Title : Mari

Posted on: 11-13-2010

Hi, a work out package was prepared and submitted to your lender. Since we need to wait for it to be scanned, imaged and able to be viewed in their system, I will call them late next week to confirm receipt. I will send you another update then. Thank you. Processing Dept.

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Title : Lisa

Posted on: 11-18-2010

Robert, I s/w Kisha in Loss Mitigation and she confirmed your file has been received and it is in line for review. Nothing is being requested at this time. Please let us know if you should receive any letters or calls from Flagstar in the meantime. next update will be by 12/3. Thanks, Lisa

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Title : Mari

Posted on: 12-03-2010

Hi, your file is in review. Nothing needed for now. Thank you. Processing Dept.

 

 

 

2011

PLease see the steps completed in your loan process below.

 

Completed                           Payment Schedule

 

Application Received

First Payment Received    Due Date: 10/13/10          $ 750

 

Authorization Sent to Lender

Second Payment Received          Due Date: 11/29/10          $ 600

 

Requested Docs From Borrower

Third Payment Received  Due Date: 12/6/10 $ 600

 

Authorization Received by Lender

Fourth Payment Received           Due Date:     $

 

Docs Received from borrower

Paid In full

 

Package Sent to Lender

 

Lender Recieved Package                        Next follow up date:

 

Assigned to Negotiator

 

Comments

Title : welcome

Posted on: 10-12-2010

Hello and welcome! My name is Melissa. In order to process your submission, we are going to need Documents Required to Process Modification 1) Hardship Letter Must be hand signed and dated. 2) Proof of Income: -Pay stubs (2 months worth) Most recent, must be consecutive – Any Other Income (Social security, Disability, Child Support, Alimony, Rental Agreement(s) etc.) Must include all pages of court documents/agreements 3) W-2 for 2 years If you are an hourly W-2 employee and/or 1099 If you are a commissioned employee or receive Social Security, Disability, or Pension. 4) 2 years Completed Tax Returns All pages, must be hand signed and dated on pg. 2) 5) 4506-T Only needs to be signed and dated by you. This document is required by your lender to verify tax returns. 6)2 Months Bank Statements Most recent, must include name and all pages 7) Utility Bill Most recent, must include name and address 8) 1 Mortgage statement or Mortgage Coupon Most recent 9) Copy of Property Tax Bill & Proof of Insurance (If taxes and insurance are not escrowed) 10) Any Legal Notices from Lender (Foreclosure Docs, Notice of Intent, Demand Letter, etc.) our fax # is 561-300-2333 and I can be reached at 561-674-5150.Please remember that we will need you to send us your two most recent pay stubs and two most recent bank statements every 60 days This consistently allows us to update your lender as needed. Thank you. PLease add info@aemortgage.com to your email address book so our updates will not go to your spam folder. DOCUMENTS DUE IN 15 DAYS

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Title : m.s

Posted on: 10-12-2010

DOCUMENTS DUE IN 15 DAYS

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Title : m.s

Posted on: 10-18-2010

spoke at 832-651-8091 to confirm login information

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Title : angie

Posted on: 10-25-2010

spoke with and emailed I still need For Mr Douglas Additional pages of 08 1040 09 1099 (said was included but was not) Page 6 and 7 of September statement 1 more bank statement (must have name and be consecutive) Mr Turner 08 1040 09 w2 or 1099 2 months bank statement (most recent consecutive, must have name) Mr Ledoux No name on paystubs 09 1040 09 w2s or 1099 One more bank statement PLEASE SIGN PAGE 2 of 1040s PLEASE INCLUDE ALL PAGES OF 1040 AND BANK STATEMENTS

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Title : angie

Posted on: 10-26-2010

Received Jody w2

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Title : Angie

Posted on: 11-01-2010

Received package I am still missing Douglas 09 1099 for disability Turner 08 1040 Bank statements (did you see these statements?They are all encoded, except for an internet printout that does not have your name on it anywhere. You may need to get these printouts directly from the bank) Ledoux Proof of income must include name 09 w2 09 1040

 

Title : Angie

Posted on: 11-05-2010

I received awards letter and bank statements for douglas/turner

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Title : Angie

Posted on: 11-10-2010

Passing on to processor PER LISA

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Title : Lisa

Posted on: 11-12-2010

Your file has been assigned to Lead Processor, Mari Lopez, for final review and submission. Please look for further updates by next week. Thanks, Processing Dept

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Title : Mari

Posted on: 11-13-2010

Hi, a work out package was prepared and submitted to your lender. Since we need to wait for it to be scanned, imaged and able to be viewed in their system, I will call them late next week to confirm receipt. I will send you another update then. Thank you. Processing Dept.

———————————————————————————————

Title : Lisa

Posted on: 11-18-2010

Robert, I s/w Kisha in Loss Mitigation and she confirmed your file has been received and it is in line for review. Nothing is being requested at this time. Please let us know if you should receive any letters or calls from Flagstar in the meantime. next update will be by 12/3. Thanks, Lisa

———————————————————————————————

Title : Mari

Posted on: 12-03-2010

Hi, your file is in review. Nothing needed for now. Thank you. Processing Dept.

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Title : Mari

Posted on: 12-13-2010

Hi Robert, I did hear your v.m. I have not however, received your fax yet. You can fax it to 561-300-2333 or to 561-961-5528, Attn: Mari.. Thank you. Processing Dept.

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Title : Mari

Posted on: 12-13-2010

Received a fax from client Jody. It is from Trustee Corps.949-252-8300. I called and Spoke with Johnathan, he informed me that the letter meant that a foreclosure was filed by the lender ‘Flagstar’ and it will be recorded on 12/21/10. No sale date yet. Need to fax an ATR to 949-752-0320 Attn: Trish. Jody, no need to worry, we are working on a modification for you and we will follow up with the lender and attorney’s to make sure no sale date is put on your property and if a sale date is put on your property we will work on having it postponed, put on hold or cancel. Thank you. Processing Dept.

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Title : m.s

Posted on: 12-15-2010

left message at 832-651-8091 to confirm receipt of fax

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Title : Mari

Posted on: 12-21-2010

Working on file.

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Title : Mari

Posted on: 12-22-2010

Hi, your file continues to be in review with your lender. NO additional documents needed at this time. Thank you. Processing Dept.

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Title : Mari

Posted on: 01-03-2011

Hi, your lender is requesting updated income documents. If you have anything new for the unemployment and the awards letter or any pay-stubs please fax that to 561-300-2333 Attn:Mari. I will also need most recent bank statements (all pages). Processing Dept.

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Title : Lisa

Posted on: 01-24-2011

Mari has taken another position within the company so your file has been re-assigned to Lead Processor, Gina Peters. Further updates to follow later this week. Thanks, Lisa

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Title : Gina

Posted on: 01-31-2011

I spoke to your lender and they said that your loan is in active review. No additional documents are needed at this time.

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Title : Gina

Posted on: 02-15-2011

I spoke to your lender and they said that your loan is still in active review with no additional documents being requested as of yet.

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Title : Gina

Posted on: 03-02-2011

I spoke to your lender and they said that your loan is still in active review for a modification. They are not requesting any additional documents or information at this time.

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Title : Gina

Posted on: 03-04-2011

I called your lender and asked about the letter you received and they weren’t showing any record that they sent you a letter or were requesting anything. I will call them again next week.

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Title : Gina

Posted on: 03-11-2011

I called your lender and they couldn’t review your file because someone was in it working on it! At least they are working on it. I will call your lender again on Monday.

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Title : Gina

Posted on: 03-14-2011

I spoke to your lender and they are requesting some updated documents. Please fax me Robert’s updated pay stubs, updated stubs for Jody’s unemployment income, last 2 bank statements for all borrowers, 2010 W2s and 1099’s for all borrowers, and I need the most recent tax return for each borrower (I currently only have Jody’s 09 and Jere’s 08 tax return) If you have filed 2010 tax return please send me that, if you have not, then please send me your 2009 tax return and a letter that states you have not filed 2010 tax return. I also need the most recent property tax bill and homeowners insurance declaration page for the subject property. Your lender would like all borrowers to sign their financial form so I will email that to for all three of you to sign. Please fax it back to me with the other documents as soon as possible to 561-300-2333. Thank you, Gina Peter

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Title : Gina

Posted on: 03-21-2011

I have reviewed everything that has been sent so far and here is what I am still missing… Tax Return for Robert, one more pay stub for Robert (I only received 1, and I need 2), Jere and Jody’s 1099 for 2010 (I only received one 1099 and it was for Robert only), and I also need the document that I emailed you signed. Please send these items to me as soon as possible. Thank you, Gina Peters

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Title : Gina

Posted on: 03-23-2011

I received all of the documents your lender was requesting and I sent it all to them. I will call them in a few days to confirm that they have everything.

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Title : Gina

Posted on: 03-29-2011

I spoke to your lender and they said that they have all required documents and are reviewing everything. No additional documents are being requested at this time.

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Title : Gina

Posted on: 04-13-2011

I spoke to your lender and your loan is still in active review. They said that they are waiting on FHA approval, which means we should be almost finished! No additional documents are being requested at this time.

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Title : Processing – B

Posted on: 04-26-2011

Your file is in the final stages of review. You can expect a phone call from your lender within a few days or you may receive a packet in the mail. Please make sure to contact our office if and when this happens.

Thank You

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This was refused by Flagstar.

3/28/2011  Formal Complaint filed with HUD on foreclosure by Flagstar Bank.

5/10/2011 Formal complaint with Office of Thrift Supervision

5/24/2011  Attorney General of Texas Consumer Affairs Division of Consumer Affairs Complaint filed by Jere Douglas:

We have been attempting to negotiate a loan modification on our mortgage since September of 2010 with Flagstar. We have sent numerous documents to them every month and received false statements from them in return. This mortgage is in three names and I am a Disabled Marine Corps Veteran with Veterans Benefits from the Vietnam Era and other resources. I have a caregiver, Mr. Jody Turner that is also on the loan with me and is recognized by the Department of Veteran’s Affairs in such a capacity. I have been ignored by Flagstar as on the mortgage and various programs that are here in the United States and in Texas are not even able to be discussed about down payment assistance, loan modification are other asset protections for the Veteran or the Disabled. This household hit some hard times due to layoffs and jobloss but we are working on that and I am attempting to go back to work under the Ticket to Work Program of the Department of Social Security as I do not wish to stay on disability my entire life but prefer to be productive. Flagstar will not negotiate in any way and just gives the run around as you can see from the documents attached and other supporting time lines. In abject fear, we turned to a mortgage rescue company after threats from Flagstar on the phone about what will happen to us and our home. This company, American Executive Mortgage has promised something they cannot do, a reduction in payments and a loan modification. I have also filed an Equal Housing Opportunity Complaint through HUD simply because Flagstar tried to delve into the nature of my disability and I sincerely feel that might be a reason for this lack of action on their part. It really seems this subprime fixed rate mortgage was designed by Marquis Money Inc and Flagstar to be defaulted on and not sustainable. We did receive paperwork from Flagstar Bank on May 4th with a reinstatement agreement that is very vague and is not complete and has a clause in it that we cannot seek legal action at any time over this. It was to be signed and returned by May 12/13, however, the trustee in this foreclosure and the bank filed the Sheriff Sale on May 10, 2011 before this paper work and first payment was to be remitted which makes me question the validity of good faith in dealing with this thrift (flagstar bank) and if the mortgage has been packaged as a security and the bank even still owns it or not. I am at wits end here with this and am becoming ill from the stress of all this as a Disabled Marine Corps Veteran, Honorably Discharged in 1979 and my VA benefit for homeownership is not even able to be discussed with Flagstar. Thank You For Your Attention in this matter.

6/10/2011  Letter of Sheriffs Sale, unsigned, from Trustee Corps.

5/27/2011 5:26:47 PM

Today I have had three different people looking at our home for the Sheriff’s Auction on the 7th of June.  Does this mean the Flagstar Attorney cannot keep her word on this verbal agreement?

It is in the records at the HUD office here in Houston about the negations with the outside counsel of Flagstar on the mortgage modification with Ms. Thomas.

In a search of Houston, Harris County records and the HUD website, there is no foreclosure sale on this property as of today.  I really question what is going on at this point in time.

5/31/2011 12:05:41 PM

More run around with Flagstar, communication has ceased with the thrift itself and is through HUD and the outside counsul which I do not even know their name.

6/2/2011 10:36:24 AM

Today am awaiting contact with HUD Ada Raglin Thomas and the Flagstar Attorney.   Jody has advised me to let it be known of all the programs we qualify for and to push that out there.

6/13/2011 2:39:45 PM

I just received a call from HUD, Catherine at 405-609-8400 concerning dealings with flagstar and the supposed Trial Period that was sent to us on May 2, 2011.  I asked her not to get involved and now she is calling the mortgage company to resend the agreement.  I tried to tell her that it was already in negotiation through Ms. Thomas here in Houston and HUD through their outside counsul, but she refused to listen and is just causing unnecessary waves at the present time.  .  Communication within HUD would be nice where the right hand knows what the left hand is doing.

Additional info for 12618 Ashford Pine Dr, Houston, TX 77082

Sales History

Date   Amount         Price/SF

4/15/2008   $138,287      $55.01

Sign Up Now to view more info.

On http://www.realtytrac.com  it shows our house has already been sold on 4/15, 2011.  What’s going on with this?

 

http://www.realtytrac.com/property/TX/Houston/77082/12618%20Ashford%20Pine%20Dr/geo/29.729881,-95.611694

6/11/2011 response through the office of Senator Kay Bailey Hutchinson from Flagstar Bank

6/20/2011  Trustee Corps Foreclosure Sheriffs Sale Letter

5/31/2011 12:05:41 PM

More run around with Flagstar, communication has ceased with the thrift itself and is through HUD and the outside consul which I do not even know their name.  We are to go through Ms. Thomas and the Flagstar Attorney to negotiate this modification and that is what we are trying to do.

6/2/2011 10:36:24 AM

Today am awaiting contact with HUD Ada Raglin Thomas and the Flagstar Attorney.   Jody has advised me to let it be known of all the programs we qualify for and to push that out there.  Received word from  that the sale is cancelled and to negotiate through her with Flagstar.

6/13/2011 2:39:45 PM

I just received a call from HUD, Catherine at 405-609-8400 concerning dealings with flagstar and the supposed Trial Period that was sent to us on May 2, 2011.  I asked her not to get involved and now she is calling the mortgage company to resend the agreement.  I tried to tell her that it was already in negotiation through Ms. Thomas here in Houston and HUD through their outside counsul, but she refused to listen and is just causing unnecessary waves at the present time.  .  Communication within HUD would be nice where the right hand knows what the left hand is doing.

6/15/2011 10:56:22 PM

Alan and Jody have just received a letter from Keeling law Firm in Houston, Texas with notice of Trustee Foreclosure Auction of 12618 Ashford Pine Drive, Houston, Texas  77082 for July 5, 2011.  We have not received anything from the Sheriff’s Department or the Trustee Company  or Flagstar Bank about this new sale date, only from Keeling Law Firm.  I am really concerned about what is going on with this right now.  Please see attached.  I do know this process is under review by the Office of Thrift Supervision and sincerely feel this is nothing short of harassment at the present time.  We have been going through this process since September of 2010.  I feel I have been mislead by HUD and the Attorney of Record for Flagstar Bank on negotiations to modify the loan on this property at this time.  I have not received anything from Marquis Money about this process either.   Marquis Money seems to be a shadow company owned by Jeremy Raddack along with Raddack and Associates Law Firm  (County Commissioner  Steve Radack’s son) here in Houston Texas.  The office listed is empty and there is no contact information for Marquis Money through phone or e-mail and we have not received the last notice from the trust company or flagstar bank.

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http://www.trusteecorps.com/home.htm

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http://www.city-data.com/businesses/526687785-mtc-financial-inc-irvine-ca.html

Mtc Financial Inc in Irvine, CA is a private company categorized under Foreclosure Assistance. Current estimates show this company has an annual revenue of $500,000 to $1 million and employs a staff of approximately 1 to 4.

There are way too many companies involved in purchasing a home now.

8/01/2011  Loan Modification Agreement per discrimination complaint with HUD Title VIII #06-11-0366-8  Flagstar is the current holder and servicer of the FHA loan.

Modification Effective Date: New Unpaid Principal Balance: New Principal & Interest Payment: Escrow Payment:

New Monthly Payment: New Interest Rate:

Remaining Mortgage Term: Maturity Date:

First Modified Payment Due: Last Modification Payment: Cash Contribution at Closing: New Payment Address:

08/01/2011

$125,781.95

$380.90 $619,10 $1,000.00

2.00% fixed for 480 months

480 months

8/1/2051 9/1/2011 8/1/2051 $1,000.00 Flagstar Bank

ATTN: Payment Processing S-142-3 5151 Corporate Dr.

Troy, MI 48098

Borrowers, for themselves and each of their successors, assigns, agents, attorneys, heirs, relatives, executors, administrators, and representatives, releases and discharges Flagstar and each of its past and present officers, partners, members, shareholders, employees, agents, directors, predecessors, affiliates, parents, subsidiaries, attorneys, trustees, insurers, transferees, and representatives from any and all claims and causes of action which Borrowers has or may

LeDoux-Turner-Douglas 502026785 Settlement Agreement – Page 1

provided that Flagstar receives the cash contribution at closing in the amount of One Thousand Dollars and no/100 ($1,000.00)  in certified funds or ta’T6 cashier’s check made payable to Flagstar Bank, FSB, together with executed copies of this Agreement and the Modification Agreement, on or before September 15, 2011.

After this is where we first hired John with lawsuit number 1.  2011

Paid 5000.00 on the front end and 2500 on the back end.

5/27/2011 5:26:47 PM

Today I have had three different people looking at our home for the Sheriff’s Auction on the 7th of June.  Does this mean the Flagstar Attorney cannot keep her word on this verbal agreement?

It is in the records at the HUD office here in Houston about the negations with the outside counsel of Flagstar on the mortgage modification with Ms. Thomas.

In a search of Houston, Harris County records and the HUD website, there is no foreclosure sale on this property as of today.  I really question what is going on at this point in time.

5/31/2011 12:05:41 PM

More run around with Flagstar, communication has ceased with the thrift itself and is through HUD and the outside counsul which I do not even know their name.  We are to go through Ms. Thomas and the Flagstar Attorney to negotiate this modification and that is what we are trying to do.

6/2/2011 10:36:24 AM

Today am awaiting contact with HUD Ada Raglin Thomas and the Flagstar Attorney.   Jody has advised me to let it be known of all the programs we qualify for and to push that out there.  Received word from  that the sale is cancelled and to negotiate through her with Flagstar.

6/13/2011 2:39:45 PM

I just received a call from HUD, Catherine at 405-609-8400 concerning dealings with flagstar and the supposed Trial Period that was sent to us on May 2, 2011.  I asked her not to get involved and now she is calling the mortgage company to resend the agreement.  I tried to tell her that it was already in negotiation through Ms. Thomas here in Houston and HUD through their outside counsul, but she refused to listen and is just causing unnecessary waves at the present time.  .  Communication within HUD would be nice where the right hand knows what the left hand is doing.

6/15/2011 10:56:22 PM

Alan and Jody have just received a letter from Keeling law Firm in Houston, Texas with notice of Trustee Foreclosure Auction of 12618 Ashford Pine Drive, Houston, Texas  77082 for July 5, 2011.  We have not received anything from the Sheriff’s Department or the Trustee Company  or Flagstar Bank about this new sale date, only from Keeling Law Firm.  I am really concerned about what is going on with this right now.  Please see attached.  I do know this process is under review by the Office of Thrift Supervision and sincerely feel this is nothing short of harassment at the present time.  We have been going through this process since September of 2010.

 

 

 

Something happened that we knew nothing about from John and foreclosure began again with transfer to Roundpoint.  Flagstar was in the first lawsuit as a defendant.

 

“The Complaint also alleges that FLAGSTAR’s DE underwriters repeatedly endorsed loans for FHA insurance that did not comply with HUD’s underwriting requirements and thus were not eligible for government insurance.  FLAGSTAR’s DE underwriters nevertheless falsely certified to HUD, for each loan they endorsed for FHA insurance, that it was eligible for such insurance.”

And yet this Mortgage Servicer is still allowed to do business in the same ways along with their cohorts in crime.  Where is the justice and how can this be fixed?  We have had problems with the mortgage on this property since day one, trying to make payments, getting payments in on time and then the payment’s showing as late with extra charges thrown on the next month.  There is no payment book and there is no tracking of payments with scam artists like this.  It seems this is what the financial institutions in the United States have become, scam artists with Government support.

http://www.hudoig.gov/reports-publications/audit-reports/final-civil-action-flagstar-bank-fsb-settled-false-claims-act

 

Flagstar did not conduct its operations in the underwriting of

FHA loans in accordance with HUD-FHA regulations.

On February 24, 2012, Flagstar admitted, acknowledged, and accepted responsibility for submitting false certifications to HUD about the eligibility of its loans for FHA insurance.

In a settlement reached with the U.S Attorney’s Office, the lender

agreed to pay $132.8 million to the United States in damages and penalties under the False Claims Act and to reform its business practices.

Flagstar admitted that during the period January 1, 2002, to February 24, 2012, it delegated underwriting decisions to unauthorized staff.

The lender also admitted that it underwrote and approved for FHA insurance loans that did not comply with certain HUD-FHA underwriting requirements, and HUD paid insurance claims on these ineligible loans.

Further, the U.S. Attorney’s Office announced that Flagstar set daily quotas for its HUD approved underwriters and underwriting assistants and paid these employees substantial incentive awards for exceeding daily quotas.

Flagstar agreed to pay $132.8 million and to other concessions to resolve the U.S. Government’s claims.

The lender agreed to pay $15 million within 30 days after approval of the settlement by the court and make additional payments totaling $117.8 million as soon as it met certain financial benchmarks.

Additionally, Flagstar agreed to

(1) comply with all relevant HUD-FHA rules applicable to direct endorsement lenders,

(2) the completion of a 1-year period in which Flagstar’s compliance with HUD-FHA rules would be monitored by a third party at Flagstar’s

expense, and

(3) implementation of a training program for all employees involved in the origination and underwriting of FHA loans. Flagstar also agreed to certify to HUD that the individuals in senior leadership positions who previously had primary responsibility for initiating and overseeing Flagstar’s manual underwriting process were no longer employed by

the lender

 

. Predatory Lending and Mortgage Fraud

On February 24, 2012, the U.S. Department of Justice (“DOJ”) filed a complaint in the United States District Court for the Southern District of New York, Case No. 12-cv-01392, against the Company alleging that for over a decade Flagstar had been improperly approving thousands of residential home mortgage loans for government insurance. Specifically, the DOJ alleges that the Company:  used unauthorized staff employees in the loan approval process; paid substantial incentive awards to these unauthorized employees for exceeding certain quotas; permitted underwriters to submit false certifications to the Federal Housing Administration (“FHA”) and the U.S. Department of Housing and Urban Development (“HUD”); and misled FHA and HUD by certifying that the loans had been fully underwritten by properly registered and sufficiently experienced underwriters when they had not. The DOJ further alleges that as a result of the foregoing, thousands of loans were approved for government insurance that did not qualify for insurance and when the loans defaulted, HUD was forced to cover the losses.

On March 13,2012 it was announced that shareholder rights firm Robbins Umeda LLP was investigating possible breaches of fiduciary duty and other violations of the law by certain officers and directors at Flagstar Bancorp, Inc.

In particular the firm investigated allegations that Flagstar violated the False Claims Act when it improperly endorsed federally insured mortgage loans that eventually defaulted and falsely certified its loan underwriting practices to federal housing authorities. On February 24, 2012, the U.S. Department of Justice filed a complaint against Flagstar, which alleges that Flagstar utilized under-qualified underwriting assistants to approve thousands of residential home mortgage loans for Federal Housing Administration insurance. The complaint also alleges that Flagstar improperly set daily quotas for the underwriting assistants and paid them substantial incentive awards for exceeding their quotas. While engaging in this scheme, the officers and directors of the company not only exposed Flagstar to significant liability, but represented to the investing public that Flagstar was operating in compliance with all applicable laws and regulations.

 

 

2013

July 11,2013

Transferred to Roundpoint for mortgage servicing

Asked John what happened and he handed the case to his partner William in his office and the new lawsuit began.

Initial payment of 5000.00

There are no invoices from these attorneys.

 

 

RoundPoint Mortgage services hundreds of DASP mortgages in Philadelphia through shell companies with names like Newlands Asset Holding Trust or Queens Park Oval Asset Trust, all based out of the same anonymous North Carolina office building.

The reported no payments were court ordered as the foreclosure process was illegal and invalidated the Promissory Note and Deed of Trust is inaccurate because the court ruled in our favor declaring the actions as illegal and thus voiding the lien. I am requesting that the item be removed from my credit report or updated to show paid in full to correct the information.

Another part of the case involved the Mortgage Broker that was illegally brokering Mortgages without a license in the State of Texas through Keller Williams Realty. The mortgage began in April of 2008 and involved two lawsuits before final judgment was passed against Queens Park Oval Assets in Dallas, Texas and their leaning to Accelerate the loan and all our possessions which is illegal in the State of Texas. Roundpoint Mortgage Servicers is the company, along with Trustee Corps that put the pressure on us and refused to speak with me, the third person on the mortgage simply because it didn’t fit their paperwork system.

I have challenged this through the credit bureaus three times now and RoundPoint refuses to close this and wipe the slate clean.

This is doing irreparable harm to me as a disabled veteran health wise and financially.

It is my belief that Flagstar Bank acted in conjunction with Marquis Money (an unlicensed mortgage broker in Texas) to create the fraudulent mortgage insured under the FHA program. Also, we have not signed nor negotiated a Conventional Mortgage so that does not exist as is listed on the Credit Report as a Conventional Mortgage.  We were also not told that FHA had paid the mortgage off after our 5 attempts for a loan modification with Flagstar Bank and the supposed loan was transferred to Roundpoint Mortgage. Flagstar dual tracked the modification and foreclosure from 2010 to 2013.  I do believe Flagstar and Marquis Money along with Trustee Corps and Queens Park Oval Assets (Malcolm Cisneros) conspired to create the mortgage to defraud the Government and us.  I am now a creditor holding Flagstar accountable for the damages we endured through 5 attempts at a mortgage modification where they lost paperwork and treated us badly.

 

Consumers need to know that they may be dealing with companies who are unlicensed and are not authorized to act as a mortgage lender or mortgage broker. In addition, it is also an unfair and deceptive act for a licensed mortgage lender or mortgage broker to conduct business with a person or company which is not licensed.

 

Consumers who encounter problems during the mortgage process can call the Division of Banks for assistance. Anyone wishing to verify the licensing status of a mortgage lender or mortgage broker can call the Division of Banks’ Consumer Hotline at (800) 495-BANK (2265) extension 1501. Consumers can also inquire as to whether there are any complaints outstanding against a licensed mortgage lender or mortgage broker.

 

All we wanted was a mortgage modification and this began in December of 2008

 

 

 

 

Rampant Foreclosures Under Shady Companies

RoundPoint Mortgage services hundreds of DASP mortgages in Philadelphia through shell companies with names like Newlands Asset Holding Trust or Queens Park Oval Asset Trust, all based out of the same anonymous North Carolina office building. Newlands, a company with no listed phone number, no website and a single publicly disclosed employee has accumulated 46 properties in Philadelphia through foreclosure proceedings.

It has flipped about 10 of those properties. In one instance, Newlands foreclosed on 3687 Belgrade Street, a newly built townhouse in a middle-class neighborhood of Philadelphia, for just $65,000 in February 2014, two months after it had picked up the mortgage at a DASP sale. Another two months later, having made no major improvements to the property, Newlands resold the same house for $175,000.

These are in the minority of properties, however. In the majority of cases, private equity firms appear to mainly sit on the properties they accumulate, sometimes for years. If DASP buyers are renting out their new assets while they wait for home values to appreciate, many do not appear to be doing so legally: Out of dozens of properties owned by Newlands analyzed by City & State, none had received a rental license.

City & State reached out to both HUD and RoundPoint for comment on multiple occasions, but received no reply from
either entity.

Philadelphia councilmember Gym said she believed this process is increasing the number of vacant and rental properties in urban neighborhoods, in addition to other stressors.

“When you have homeowners who are evicted or who lose their homes, that has dramatic consequences for a city like ours that already struggles with poverty,” she said. “We have affordable housing waitlists that take years and homeless shelters that are overcrowded. We can’t fix it all.”

It doesn’t have to be this way. Gym is part of Local Progress, a network of local elected officials that has pushed for reforms to programs like DASP. In June, HUD announced that it would make an effort to steer more distressed mortgages to nonprofit buyers, who would ideally be more forgiving towards impoverished homeowners. Nonprofit mortgage buyers, known as community development financial institutions, or CDFIs, were previously outbid on 98 percent of DASP sales.

HUD now separates out some mortgages for sale specifically to nonprofits. But Gym would like to see the program go further.

“That’s one of our biggest questions. Does it all have to go to private equity or could some go to CDFIs? Or the land bank?” she said, in a recent interview.

Gym had been a champion of the land bank, an arm of City Hall that acquires blighted property. She said she believes the agency could also function as a receiver for distressed mortgages, cribbing off a model implemented in New York City, where the municipality began bidding on DASP sales.

“It’s driven by our need to not increase our homelessness and eviction rates, and not lead to blight. Because we were seeing so much,” she said. “The consequences both to individuals and communities are dramatic – the Fed not being attentive to problems like this exacerbates our local situations.”

Changing the trajectory of DASP for future homeowners can seem like a daunting and risky proposition for cities like Philadelphia, but it could stave off years of misery and legal battles for homeowners who find themselves in situations similar to Beverly Henry’s.

Henry admits even she is overwhelmed by the intricacies of her own mortgage crisis at times, but says she is driven by a simple and understandable urge.

“We just don’t want to lose our home.” 

Today’s Listening in the Burbs

In my life I have been around some amazing people and heard their stories.  This man, Olivier Messiaen and a personal friend of his, Jean Langlais befriended me on a performance trip to Europe in the eighties I made. The “Quartet for the End of Time” was a piece I had heard and thought it to be way outside my boundaries both on technical and artistic aspects.  However, when I heard his and Jean’s story, they inspired me to move beyond my self-imposed boxes and explore different realities in interpretation and performance.

 

I was not aware of the life history of Olivier but I found out as he shared with me about the conditions around the composing of the Quartet and that sharing was so powerful to me that I made a decision to tackle that work.  At the same time, there was another influence in my life, a young artist named Marshall Fine, who saw the potential in me and pushed me to look outside my personal boundaries and become the artist that was trapped inside me.

There is another work that is performed a lot by Charles-Marie Widor, one of the mentors of Olivier, the Widor Toccatta.  It’s a powerful, fantastic work and every time I hear it here in Houston, I go to a different place mentally and remember.

Another composer I work with is John Rutter and I just played the clarinet for this work in Houston.

While I am in the kitchen cooking ,it’s on auto play through the house sound system!

Laters!

 

 

Scenes from the Burbs

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Glorious Friday, what a day!  As we gently prepare for the advent of more rain here in the burbs, all eyes are on the two reservoirs, levees and the dams that contain the mighty waters of the accumulated rains and will they hold?  We sure hope so.

In the meantime, crab a cup of java and let’s chew the proverbial fat.  It’s time for Bacon!

This Wednesday past, I had an outing in the evening to another favorite watering hole and Mexican food emporium here in the burbs.  Out here, we have an interesting mix of the chains and family owned restaurants.  If you want to go where the locals go, follow the local crowds.  Enchiludas is where we head on Wednesday as it is biker night there and the food is excellent!

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Enchiludas is owned and operated by Pepe and Gladys, a couple that has a long history of being in the restaurant industry here in Houston.  The food is quite interesting and the new menu encapsulates the wonders of Tex Mex cuisine into a sometimes delicate art form.

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One of my faves is Ceviche. It’s not on the menu but if I am planning to go there, I call ahead and get Pepe to make it.  Then, it’s a feast of Ceviche, Queso Flamado, Chips, homemade Salsa, Margaritas and a lot of fun.  There is no pretense here, just good food and good friends.

You might ask, why are we hanging around bikers?  Well, I’ll be honest, I would rather hang around people that are comfortable in their skins and that have my back. Enchiludas has a great policy that everyone is welcome from families to party animals and we all cohabit together in Margarita bliss for the evening.

Another favorite on the menu is the Seafood Soup that can be custom made by Pepe and the staff there that includes tilapia, muscles, crab, shrimp, octopus and sometimes even crawfish!  Enchiludas also serves up a great Crawfish boil that is not that pricey and a great bargain!

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The band that evening was a Rhythm and Blues duo that took me back to my roots in Memphis, Tennessee.  Man, these cats were cooking with gas!  Two brothers, known as the “Black Cats” with some interesting professional experiences that we shared during their breaks.

Black Cats
Other menu items that are of note include the Enchilada plates varying in price, the Burritos that are humongous, the Shrimp wrapped in bacon and embedded in a fresh jalapeno and the variations on Chorizo!  Yum Yum!

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Have a great weekend!  If we float by, grab the cooler and refill it please!

From Casa Ukitena in the Burbs of Houston.

Jere

From the Burbs of West Houston!

Greetings and salutations in the suburbs of Houston! It’s great to be writing this blog and as this is the beginning of a new day for me, I would like to start off by saying we lived in the suburbs of Houston. Now you may ask, Houston is so big, where the suburbs? I’m particular HOA is located outside the Beltway’s which means you have to have two green cards to get here. We also live in a floodplain which can be quite interesting concerning the recent floods we’ve had here.

 

All that aside, we live in a very diverse. Houston. The restaurants in this area are not five-star they are more family oriented which is very unique. One of our favorite places to go is El Matador. El Matador is an interesting neighborhood establishment where every Tuesday night, Rodney plays the piano or tickles the ivories as the case may be. Writing has been playing for a long time and we know we are at home when I hear the music I grew up with and realize I’m a bit ancient, hee hee hee hee. The food at EL Matador is a mix of Tex-Mex, Colombian and pure Mexican. Of course I like margaritas but isn’t that what a househusband would like?

 

On Wednesday usually consist of going into town which is a great effort on our part. I tell my spouse Jody, but I can drive from Memphis to Jackson, Tennessee quicker than we can get downtown Houston. However, with the advent of the Westpark toll way, it cuts down on driving time for about 15 minutes depending on traffic. Of course, one must take into account the highway 59 parking lot as it can be atrocious at times. Going into town, we usually hang out in the Montrose area. Montrose area in Houston is a hot spot for multicultural experience, something I really treasure! We lovingly refer to Georges Country Sports Bar as the Cathedral of St. George since that’s where we gather together, especially on Sunday afternoon.  Beginning on Wednesday, I attempt to make the vestry committee meeting. There a lot of plans have to be made for the Sunday services at Georges. Oh, sorry. What I meant to say is that the Cathedral.

o

“This is right up there at the top of the list for a bar outing in Houston Montrose area.  Great bartenders, good drinks and usually some club function going on.  OH, and Sunday’s, football season, come in for a great crowd to watch the games along with dollar vodka’s.
Very clean, well maintained, good times and good friends.”

There are a lot of restaurants in that area that Jody and I really like. The go to place for us is Barnaby’s! Barnaby’s has the menu that will knock your socks off. The serving sizes are enough that when we order separate meals we had enough for the next day. I usually like the salads and Jody really likes the chicken WONTONS. He likes of so much that even the hot sauce we had to find the Chinese markets.

 

Next place we like is the Ripcord! The Ripcord has undergone some changes from a full-time leather bar to more of an open community gathering spot. The owner, Brad, has opened up the space and invited artists in various disciplines and to show and promote their wares. Speaking of wares, Chip Ware and his spouse have opened up a new shop in the Ripcord. I highly recommend Montrose area of Houston.

 

Getting back to West Houston, the homeowners association here seems to be operating still in the 80s. Me, I am a creative type person and I need room to breathe. Perhaps there is a chance to turn things around and install solar panels, a usable landscape, more economical energy-saving products and bring things up to speed with 21st century. Now, in Texas, the homeowners associations are very powerful and seem to be able to get away with anything. So, I have to learn to work within the system and change it.

 

So, what is a Houston househusband to do at a time like this? Leave it for squeezing it? Fit in or stand out?

Jere Merman Style

 

I believe it’s time for a cocktail or better yet a cigar and a glass of sweet tea on the veranda that doesn’t exist yet. Blasted homeowners associations that I have to draw up plans and submit for approval around in the backyard. Oh well enough for now, see you next time!

Me 2016

Musical Ramblings and Visions

Today I am listening to spotify, some of my recordings and those of friends I have worked with around the world.  Being an artist is a treasure I hold dearly in my life and apply artistic aspects to everything I do.  My canvas is sound at times and I love painting with sound.  Music is my primary language and an escape from a rather hectic world.

I am in my easy chair with Ms. Ethel on my lap and the Duker vying for attention at my feet.  These are our kids as we call them and all rescue animals that just showed up on our doorstep.

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The music today is taking me back to Memphis, Tennessee, home of the blues, culture, Memphis in May, The outstanding Memphis Symphony and Germantown. It is also the home of the Rendevous and Interstate BBQ of food network fame.  header

I have an interesting history with these establishments both musically and in the kitchen.  Heck, I grew up there and love the taste and feel of the city! We have cooked side by side at many events across the Memphis/Shelby County area to the joy of many!

Enough of that about me and on to my reasons for sharing today.

There is a lot going on around the world right now. Mr. Paul Pellay is having a composition of his premiered by a highly capable Violinist.  Paul and I go back decades and he is married to a great violist, Michelle Pellay-Walker that I consider my sister from another mother.  This performance is taking place in Jolly Old England.

From Peter Sheppard Skaerved, Violinist

“At the violin, a day of rigour and joy. Bach in the morning then this. I am proud to have studied, and premiered, literally, hours of solo violin music by the extraordinary Paul Pellay, and this latest is absolutely engrossing-here’s the score, at what I call ‘base 1’ technical work. The groundwork in place, the notes in the hands and the brain, and now the real work begins. Here’s a Spotify link to Paul’s extraordinary ‘Thesaurus of Violinistic Fiendishness’. Violinists, what are you waiting for?”

Paul Pelay score

 

On the other side of the world, the the Pacific Northwest, Dr. Justin Smith, Director of Choirs at Maryhurst University is preparing from the summer.

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Stay Tuned!  Things are heating up here in Houston also!  But for today, I am relaxing before the weekend when Jody and I celebrate our 16th anniversary of being together. We were officially MARRIED in November of 2014.  We are having a casual at home BBQ where Tennessee meets Texas!  16 years ago, on April 1, I arrived in Houston to begin a life with Jody Turner. It’s been an up and downhill roller coaster ride but we are still together these 16 years later! FB_IMG_1436131882732
We would like to cordially invite you to our home on Sunday, April 3, 2016 for a Tennessee meets Texas BBQ in honor of this decade plus of being together. A lot has happened in these years and it’s time to celebrate.
Stop by for good times, good friends, good food and some all out fun!
Please pardon the house as it is now a DYI project that will be ongoing for a bit. I am also taking the liberty of creating videos of the work as it progresses along with recipes, exploring Jere’s kitchen and teaching videos for clarinet excellence.
If perchance, anyone would be considering an anniversary present, we need help on the renovations to the house!
We look forward to seeing everyone!  Recipes and menus will be here later but today, I am having fun with our mischevious kids!  

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Ta Ta for now and have a great day!

Jere

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Sakura Sakura!

It’s Cherry Blossom Time in Japan and DC. Actually around the world! If you have never been to Japan, I feel for you. It’s a beautiful country full of life, vitality and culture.

The yearly excitement awaiting the announcement of Spring begins when the Cherry Blossoms begin their path to blooming and when they do, life stops for a space of time. The festivals are amazing, full of friendship and kinship.

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I had the great joy, from the seventies as a young Marine to present day, of experiencing this rebirth of nature. It’s absolutely amazing!

To begin, here is a traditional performance of the Japanese Folk Song, “Sakura Sakura”. Relax, have a cup of green tea and perhaps some Umeboshi or a full plate of Oshinko, Japanese pickles along with a light addition of Poke or Ika Yaki!

Nabeyaki Udon Nippon
Nabayaki Udon from Nippon in Houston

By the way, if you haven’t figured it out yet, Nippon Japanese Restaurant in Houston, Texas is my go to place here for the authentic experience!  It’s now in the second generation of a traditional Japanese family owned restaurant here and it’s wonderful.  If you are in Houston, be sure and stop by.  Tell them Jere sent you.  The Uni is fantastic as is the shashimi.

 

From many of the masterpieces of the koto house, Michio Miyagi is a musician that represents Japan, promotional video we produced this time “Sakura Variations” As the first step. This work is composed in Michio Miyagi is 1923, very as timeless classics even now about 90 years have passed since a popular work. To represent the Michio Miyagi of the music world, please watch a performance by the Miyagi Orchestra volunteers. In winter, the “Spring of the sea” as the 4th we plan to up the promotional video. Please stay tuned. Miyagi Soke Facebook: Facebook.Com/miyagimichio Twitter: Twitter.Com/miyagimichio Web: Www.Miyagikai.Gr.Jp

Ah, the inspiring music of the Koto! The Geisha Houses are still active and quite relaxing. Taking a stroll down the Ginza or in the Imperial Palace in Tokyo is a nice place to be also during this time.

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Cherry trees of the Imperial Palace “dry street (dry as)” pass-through in the spring of introduction to the general public. Was for the first time published, about 75 connecting from Sakashita Gate Kitanomaru Park to near the dry Gate 0m. Inui street bloom 76 cherry trees, such as Yoshino cherry tree in the spring. Until now, New Year and the Emperor Reborn except for the general Sangha production date, generally was not able to pass through it is. Open to match the full bloom of the cherry blossoms will be the first time. Cherry Blossom In Imperial Palace (Tokyo) The Imperial Palace, Where Their Majesties The Emperor And Empress Reside, Is Situated In The Center Of Tokyo. The Palace Is Surrounded By A Water-Filled Moat And Tree-Covered Grounds Of Nature Within The Bustling Metropolitan City. In Commemoration Of Umbrella Kotobuki Of His Majesty The Emperor, Opening To The Public Is Performed According To Imperial Palace Inui Street In Spring. Inui Street Has 76 Cherry Trees And Is The Perfect Place For People To Experience The Beauty Of Nature.

In Japan, time progresses and for an updated version of this very traditional folk song, enjoy!

Rin ‘- Sakura Sakura ((Sakura Sakura)) Instrumental

For those in the United States, get thee to our nations Capitol for the annual Cherry Blossom Festival!

I apologize for my absence as of late but I have been dealing with some health issues. Coming up is my take on Japanese Cuisine, Culture and my life there and here in the States. It’s wonderful being an artist and having the opportunity to travel the world as a performer and teacher.