Let me guess she was a member of a Church?
Church of Christ.

This is the most disgusting thing I have ever heard of. As a mortgage broker, I am appalled that Bautista would use her position as well as the Action Escrow company to take advantage of these people. Thank you for uncovering this and hopefully more first time homebuyers will access information before hand so this will stop happening.

If people feel they have been a victim of financial fraud they can file a complaint with the Department of Financial Institutions, website http://www.dfi.wa.gov/. Also, the notaries are licensed and bonded. Hopefully someone is going to do something about them as well.

I just watched this story on the news. I have worked as a Mortgage Loan Consultant for eleven years. One one thing that I love about my job above everything else is helping people and making a difference in their lives. I could not imagine how these victims must feel. I really appreciate King 5 bringing this story to the public. Believe me these people involved with this scheme will pay, they will be looking at serious prison time and huge fines. This will not help the victims, but hopefully will reduce this type of greed in the future.

I was so amazed about this story because I am right in the middle of what I think is mortgage fraud, from a lease-to-own perspective. I have been searching for answers to keep me and my family from being out on the streets. We too were approached by a Filipino, Christian loan officer, who's daughter goes to school with my daughter, and he expressed an interest in helping my husband and I get a home. Because of our poor credit his company (Washington Loan Network) offered to have an investor purchase the home of our choice, based on what we could pay per month and the investor would pay the difference if the mortgage was slightly higher. We would have a lease agreement for a year, while they provide guidance in clearing up our credit so we can refinance the house in a year or two. Well two months after the process began, the house was purchased and we were given the keys to move in. We have been living in the house for two months and have not been given a lease agreement, nor been able to communicate with the investor. We have asked a lot of questions, but each time have been challenged on our faith in their willingness to allow them to help us get our home. We have tried to believe that these people really had the good benefit of me, my husband and three children in mind when they set us up with this "deal". We have gone from a verbal agreement, "while lease papers were being drawn up" when the house was in escrow, to pay a certain amount of money, to now being told that we have to pay $600 more than what we agreed to or move out of the house. When we accepted the keys to move into the house, on a Wednesday, we were promised that they would bring the lease papers by that weekend and collect our first and last month payment. Well when two representatives showed up to the house they told us the investor was having problems and wanted to sell the house. They told us our options were to buy the house, pay the full mortgage amount on the house (for which they would quit claim the house to us) or they would have another investor buy the house but we were not guaranteed to be able to stay in the house. In the meantime we found out that the house was not bought as an investment property, but owner occupied and that the representatives for the investor are probably not really paying the mortgage and possibly letting the house go into forclosure because we refuse to pay more than what we originally agreed to (which does not cover the full mortgage). After watching your show I am questioning if the investor really even exists or if someone's identity is being stolen. I do not know if this is making much sense, yet I would love to talk to someone further to get answers about what my family should do.

Questions unanswered are: Where and who are the real owners of these homes?

Is there no law against this and why was law enforcement not called in?

Is law enforcement and DFI checking into the mortgage company in which Lisa Bautista worked?

You described how the financing scheme worked but "property ownership" is accomplished by a transfer of title document such as a Warranty Deed. Did the victims have valid deeds to the property?

Looks like legal actiuon is started at least.
http://www.dfi.wa.gov/CS%20Orders/C-06-005-06-TD01.pdf

Using a professional, such as a real estate agent or mortgage broker, is important when making such a big financial committment and I hope the actions of an unprofessional person like this does not turn too many away from using one. This is the first time I have heard a horror story from having used one but have heard many horror stories of folkes getting cheated when they tried to sell or buy on their own.

Someone should check to see if she has also cheated other professionals that she would need to close these loans (like real estate agents or appraisers). I recently won a lawsuit against her for writting a bad check for professional services provided her that she paid for with her personal account (so I can't go after the company she worked for and she keeps changing companies so she is hard to track). Also what good is a judgement that you can't collect on. If this has happened to me I'm sure there are others out there that she has done this to.

I am wondering if Liza is working for several Mortgage Brokers at the same time? In the Cease and Desist Order, it states she used National Lending Corporation and Abacus Mortgage. It does not state Calibur Mortgage where she is/was originating loans with recently?

Anyway, I feel really bad for the victims. There has to be some way to help them financially. This type of fraud gives the rest of the mortgage industry a bad name. A few bad apples can really give us a black eye.

I appreciated your story on this predetory mortgage broker. My wife and I own a small insurance business and it infuriates me to see those who call themselves "professionals" taking advantage of hard-working people.

I'd like to recommend that you do a Part-two to this story, telling people what they can do to protect themselves from these type of individuals.

Even referrals from family friends can sometimes backfire. Checking the DFI website is a good start. Look under Administrative Actions. Also the Better Business Bureau. Do this BEFORE you decide to do business with anyone. Also, if it was a new business, ask cordially if they're new to the area and where they moved from. Chances are that they conducted business in another state. So check that state's records, too. Every financial business MUST have an entity that keeps them accountible for their practices. Check around, investigate,..ASK before you do business. The more informed the consumer, the more we are able to protect ourselves and drive dishonest people out of business.

I have been a notary for several years and have a pretty good idea of what laws apply to a notary. If I were those victims, I would also sue each and every notary (and the business) that illegally notarized these bogus signatures (in addition to Bautista). They should also have their notary status stripped as well.

Action Escrow HAD to be 100% involved in the sting, perhaps getting a kickback? I am a Notary too and I would never notarize a document without proper identification. Action Escrow did a disservice to these victims and put another black eye on the industry itself.

So, I hope the victims pursue these folks to the fullest extent of the law.

PARTNERSHIPS are subject to "affinity fraud" issues, as well. I got hooked into a bunk business partnership in which I am certain the Loan Agent, Mortgage Broker, Real Estate Company (and agent) and the Escrow Company were involved. Has anyone else had this experience with Foreclosure Group LLC?

I am both a RE agent and a loan officer. People like Bautista really give a very bad light to those of us who are honest and really work hard to help people.

I had clients in the past who did business with Washington Loan Network and Calibur Mortgage, separate transactions. The Washington Loan Network people are members of the Iglesia ni Cristo. Calibur Mortgage on the other hand I heard belong to a Christian Church. From what I understand, these people a team to complete their anomalous transactions, like, RE agents, escrow people, RE appraisers. Unfortunately, these crooks cannot be investigated unless the victims themselves file a complaint with the proper agency. And until someone actually files a complaint, these crooks will continue to scam other people.

I appreciate your story about Bautista and her affiliates, as well as the stories posted here by other people. The story of Mitch Gillen is pretty similar to my client's story with Washington Loan Network. So I have a good idea what Mitch is talking about.

I just wish we will find out what happens next to these scam artists, like, do they get prosecuted, do they go to jail, etc.

I am a bit concerned since I used Washington Loan Network as my mortgage broker when I bought my house 18 months ago.
What do I need to look for?

Yes right now there is a lot going on in Mortgage fraud. I have heard that Washington Loan Network (WLN) is under investigation right now.
You people talking about their problems above. You better stop all dealings and turn them in before you get screwed over. They charge high fees and then stick them with interest-only loans fixed for a short time. I have even heard of them fraudulently turning in types of paperwork (bank documentation).
Whoever is doing business with them, (refi, purchase, rent, lease, etc.) they better stop and report all their doings to DFI. That is the only way it gets brought to light.

Thank you for bringing this story out in the open. My family is in the middle of a real estate scam. In our case, a real estate agent came to us and offered to be a friend and a business partner. Little did we know this real estate agent was just after all the money. We have an attorney involve however, for some reason it's taking too long. There are more people that were taken advantage of by this real estate agent and still afraid to talk. We don't know how to convince them.

The worse thing is, while the victims languish, that Liza is still originating loans but using someone else's name. This fraud scheme goes beyond just Liza Bautista, so, she is still earning $ originating loans, just not under her name. Another unscrupulous loan officer or mortgage broker is probably helping her out. How unfortunate.

I hope Lisa Bautista and her affiliates will get prosecuted soon and won't be able to leave out of the country.

this is a terrible thing to happen, i hope more people pay attention to this and heed the warnings of first time buyer and or bad credit scams.. what i dont understand is why is this woman not being arrested and detainded for the tremendous crimes that are not only terrible, but life changing for the victims involved. When you think about it just because what she did was not violent this women is damaging this system and our country and all under the banner of religion!! this is truely horrible what can we do immediately to stop people like her (bautista)?

There must be some way those deceived can get restitution. I think someone needs to look at the owner of Action Escrow because, as an attorney, he knows better than to fraudulently notarize documents. Is it possible he works with Bautista and this is a method they jointly use to defraud the public? I am guessing there are many other issues and concerns and a full investigation is owed to the public to protect others.

I had a really good experiance. We watched a video on www.mortgagewise.net that taught us all about predetory lending and how to protect ourselves. The guy who does this is Rick Bulman. First time buyer, with little credit and I was able to get a good deal and nobody could cheat me!

with all this evidence, why hasn't anyone been arrested?

Liza Bautista was arrested and jailed. She posted bail and is out again.

Doing loans and laughing all the way to the bank. Really, really unfortunate. There should be a way to stop this.

I feel bad for the victim and Baustista need to go to jail along with her accomplices for fraud and identity theft.
the reputation of the filipino is getting bad because of people like her, using their position being christian. All of the victim should file a law suit regarding about the issue.
Last year i did a transaction w/ Lisa Bautista, I came too close to be a victim by her but with the help of friends and my real estate agent, i'm lucky that she didn't succeed.

Hi Aurora,

I remember seeing your transaction last year and I am glad you did not get caught up with Liza's "fraud" operation".

Wish there was more that could be done today. I feel really, really bad for the victims.

I am puzzled as to exact facts of the scam: a broker arranged for a bogus purchase of real estate. The buyers signed what they thought were valid purchase documents. There was an actual person as "seller" whose execution of the seller's documents was forged. Notorization was done by actual notaries on forged signatures. The buyer took possession of the property. But: who really owns the property "sold"? Was there a real lender who paid funds into escrow? Where did the funds go? You said someone is liable for something anyway because of signing something - who and for what? You mentioned that personal information was taken and used(?) by the broker.
Were documents from the "transaction" recorded? Did the real owner give the access to the property? Does the real owner know what happened?
Was there a title report or pretty much no documentation. Did any money pass from anyone to anyone. I heard the story on both King and Kong but the mechanics of the fraud escaped me. (I understand the "affinity" part that made people trusting but beyond that, what happened?

Hi Im Ron H. I am a in the mortgage business and I am Cchurch of Christ member, but I am a honest person who does everything by the book and strive to really help people in anyway i can or possible rather it be mortgage, personal problems, school you name it. I feel its wrong to put down everybody who is in the real estate(mortgage business) and Iglesia Ni cristo members for previous or present concerns with people in the past. Being a member of the Church of Christ and in the business I dont represent and i repeat do not represent fraudulant activity or wrong doings to people and all I do is put myself out there to be a helper and have personal testimony from plenty of people who can bare witness to my kind and caring ways. So for you people who are trying to give church people and other people in the real estate mortgage business a bad name stop that. Its wrong and you can not judge or hold a grudge against everybody because of one or a few people. Please Keep my church's name out of your mouths.

Well Ron...I know who you are and you actually have the guy who set my bad deal up working for you and you tried to set me up with another bad deal to get me out of the deal that I am presently in...so you need to be investigated too!

THis is Ron H to the person above I think you have the wrong Ron, first I have nobody working for me I work for myself second i never had a bad deal and i also never passed on a bad deal. So i think you need to clarify your facts before slandering me or my name because you will never see or hear about me doing such a thing. There are plenty or Rons out there and that are members and in this business and doesnt make me the person your trying to judge. So again let me say this again so u can understand I dont own a company im not a manager of a company i manage myself and my beliefs which is doing right so im telling you dont slander my name with your false accusations. Thanks Ron H and further questions or concerns you can email me at ronhdx@yahoo.com

As a Filipino and a Christian, Liza's actions are a disgrace. She should be ashamed of herself. She deserves to go to jail for this and pay restitution to those she victimized.

And I agree, the broker and the notary are all in this together. They should all be prosecuted. Liza could have not executed all of this without their help. I wonder how much kickback they got from the transactions?

I don't know Liza personally, but I know of her. She lives in a very nice home and drives a luxury car. Now we know how she supports her lifestyle! Shame on her.

hi jana

Angela, well thank you so much for the Thanksgiving greetings, and thank you so much for trying to pursue the slanderization of our name. My name is Jeronimo Deleon, and I wrote the loan and helped Mrs Angela get in the home she is talking about. I am am absolutley shocked why you have made the remarks you have made, and would go as far now as letting the public know that what you are doing is taking advantage of the woman who bought that house as a investment property you need to stop stereotyping people, it seems really convenient that you have chosesn to express your griefs to the media when another church going philipino has been exposed of doing fraud in this business. I d not know how you came to the conclusion and guessed correctly that i attend a church with a large amount of philipino members, I am a proud member of the church of Christ, Iglesia Ni Cristo and will defend it with my life to the death, do not get my church mixed up in this hubbub of accusations and assumptions. I would like everyone in the public to know, and King5 news as well know that the business practiced by MRs. Bautista,is completely different, I do not know her and she is a member of a totally different church than the one i and my friend Mrs. angela reffered to attends, and in regards to our nationality, both of us are US Citizens of hispanic and spanish decent, we are not philipino, i aim with this blog to put aside any rumors and hearsay and stereotypes about this situation and us. At this time i would like everyone to know that Mrs. Angela has not paid on her rent this month, and as a result had almost put the owner of the property in a predicament, but we are paying MRs angelas rent for her to resolve that and to take care of my client, ashe is still in the home at this minute, and has not contacted anyone to resolve this situation or let anyone know what her plans are, even tho she made it evident to one of my asscoiates that she is going to be moving. She is still there taking advantge of the situation clearly, the real victim in this situation is my client who i wrote the loan for. IF you think you are going to be able to remain in the home without paying, getting My client in a situation you are incorrect. I run my bussiness correctly and am prepared to work towards resolving this situation legally, Let us know what you are going to follow through on, you said you wanna get out, i can help you get out into somewhere else, you wanna stay, well then call us and let us know, so we can come to an agreement, you are a nice person and i remember how excited you were when you entered the home. I was happy for you so was my client. I was willing to accept Angela as a renter for her property because she was brought to the table by my colleague who i attend church with, both of us felt it was an oppurtunity to help someone who he felt he was friends with, so it was agreed she would be able to occupy the property, please note this woman Angela at this time is a friend of my friends. I feel Mrs Angela has been misrepresenting this situation to everyone, and is just trying to make a story and take advantage of us, as a result we will be seeking the consultaion of our legal advisor on how to handle this situation correctly and safely. It is true there are people who do bad things in this industry. but at the same time there are some of us who really do look towards helping people, Mrs Angela was given an oppurtunity to rebuild her credit, have as much time as she needs to do that and end up with a home she could call her own after her credit 's high enough to qualify her to buy the property. Now, we dont know whats going on, she is mad and is trying to accuse of things that arent true.
If anyone has any questions about this feel free to respond to the blog, especially if you have any mortgage related questions. I most definatley will be able to help answer them, and will be seeing you soon Angela.

Jeronimo.. remember me Joe?
If this person is slandering you (Angela). What broker did you use to close the home with (mortgage broker)? Is that company in business now? If it isn't? why not? Has any of your companies that you have had dealings (closed loans) with been investigated in the last 4 months? If they are being investigated why are they?
I know you won't be able to answer all these questions to the fullest.
People please keep in mind they use their religion, nationality, whatever they can as a tie into getting you to trust them. The thing to do is educate yourself and make sure things do sound correct.

This is in response to Joe's response to Mr Deleon's blog.
I just want to say that buying a home is a dream of many people and alot of Realtors do not try to help you buy a home they try to help put money in their pockets. They forget that the reason they get paid is by helping people, not taking advantage of them. Sadly to say these same "Bad Realtors" end up becoming "Bad Mortgage Brokers". I am a student and this story caught the attention of the people I am studying/training under. As a Realtor in training I feel bad, and yet i am at the same time, thankful to these Realtors, Mortgage Brokers and Loan Officers for doing bad business, so that i can learn first hand not what to do. Unfortuantely it takes something like this to happen before things are able to be changed. I know of clients who were represented by this company you all are accusing, and I can tell you first hand that they are happy home owners because of them. I can also tell you, that there was a group of people who ruined the reputation of this business, because they got greedy. Because of this, they ended their own careers, ruined business relations, and lost the trust of many people. And because of this are bitter and resentful to this day, and would do or say anything to implicate others. How these people can face themselves everyday in the mirror is truly amazing. I know for a fact as well, that several of you are using false names to write bad things above about the company who let you go for taking advantage of people. Remember what goes around comes around. You should be very careful of what you say and who you say it to, Have not you been investigated yourself. (food for thought)................

I think we are moving away from what this blog was meant for. If you have any dirty laundry between each other, please take it offline.

Does anyone have an update of what is going on with Liza Bautista?

I agree that we need to focus back on Ms. Bautista but we also need to help put make it clear that this is not just about one person. I read all of the responses to the blog and I am concerned that so many people are being hurt by this. It concerns me that anyone's family would be put out on the street because someone is money hungry and only looking out for their best interest. If notaries are signing off on false documents, why do they think they should be allowed to keep their licenses? If people are using Christianity and the churches they belong to scam people, why do they not think that they would not eventually be exposed? If Geronimo is responding to the Angela that posted the earlier blog, why didn't he give her a legitamite lease agreement? Why would he increase her rent and tell her to pay or move out? In his email, he is contridictary about wanting to help this "nice woman" but then making her seem bad for not wanting her family to be put into a sticky predicament. If you were legitimate in your dealings you should be following State tenant laws and serving her an eviction notice and if she still does not pay then you should be going to court.

On this whole blog there is a lot of information and no one really putting the pieces together and helping to bring resolution to the problems. I hope that the reporter will have a follow up to this investigation and the DFI will respond publicly.

Washington Loan Network helped me out when I was in need. For those people that complains about getting bad deals from that company, I just have one question. Why didnt you go to the bank and get your loan? I bet you, you got SH**ty credit huh? I went with them, because I dont have the greatest credit. If you pay high fees than normal, that is the payment for having bad credit. Good credit, good rates. Bad credit, crappy rates. This is America Baby, that's the way it works!! Live with it.

I THINK Susannah Frame NEEDS TO INVESTIGATE WLN SO WE REALLY KNOW WHAT THE TRUTH IS ABOUT THEM!

I hate to break into this argument between folks who think they've been wronged by whoever the company was, but there's a bigger issue here, I think: it's all too common for folks to use their religion (or maybe ethnic identity too, I don't know about that) to network business deals.
It's something I've seen in my church for years and years...and nobody ever seems to call it the indiscretion and/or fraud that it often turns out to be. Usually, the victims are ashamed or not willing to publicize their bad (usually very bad) experience in order to not attract unfavorable publicity to their fellow church members...and there's the shame: if only folks could realize that just because one shares the same beliefs (or professes to), it doesn't necessarily reflect badly on the religion, although I suspect that if someone is seduced via a religious relationship, they may not be eager to publicize that. But, again, that's the problem, and also suggests a solution: never, ever, ever, trust someone within your circle of faith or ethnicity any more or less than you might a person within your normal circle or business contacts. Anyone that would do this...sorry to say...pays an awful price for their bias as often as not.
Sorry to put the kabosh on this fun discussion, but I thought it needed to be said.

I totally agree, the scams are not based on religion or not necessarily based on race. Otherwise we would look at say the catholic religion; (with the number of their members) I am pretty sure that there is a bunch of people that committed fraud there. Or we would look at the Caucasian community (with the number of their population) and I am pretty sure there are a bunch of people that committed fraud that are Caucasian. So it is necessarily a certain race or religion that is doing this! I know... because it was mainly one family and their close friend and they did not all go to the same church. I can say a few of their man players in the company was catholic. And a few of their main players are not Filipino either. And for Liza she was the only one form her church and now her church is getting a bad rep also!

I posted this because I think it is not fair that people’s religion and race be slaughtered. Nor is it fair for the people that are doing good business, not be trusted because of the religion or race. We need to realize that there are people out there wit crooked minds no matter what religion or race.

It states in Susanna Frame's blog..."She was afraid this would make all Filipinos and Christians look bad. I assured her the story was focused on one woman who had done bad things. It would not be a negative story about Filipinos or Christians." I agree w/ this and I agree w/ what Cheeto is saying about how some of the blogs here is bringing out dirty laundry. I feel very bad for those families that Liza deceived...especially to the extent of what happened. But I do however feel I need to respond to the comments like those of Sonia's and Joe's and etc. who are making WLN look bad as a whole and to say that they all belong to a certain religion. I'm pretty sure NLC, Abacus, and Calibur mortgage companies would not want to be labeled as bad companies because of the doings of Liza Bautista. And I'm pretty sure there are very good people in those companies who work there and are negatively affected by the situation. And I'm sure the members at her church would also not want other people think their church is bad because of her. Just like in Susanna's blog an organization is not bad because someone in that organization did something bad. Hopefully airing Liza's story helped the public in some way whether it be that all of us need to be more cautious, educated, and not let our gaurd down. There is nothing wrong w/ going to a mortgage company, there's nothing wrong w/ dealing w/ people from your own race or religion...let's just face it, there are people like Liza Bautista out there...so let's just all be more careful. HOPE EVERYONE HAS A HAPPY THANKSGIVING.

I have personally witnessed many notaries notarizing documents in real estate offices without the signor being present. Technically it can be done, so, trust is a big factor. Don't jump to conclusions that the notaries were in on it.

Hey, Liza Bautista is a female, Christian,
filipino, roughly 5'2", etc. Does this mean all females are bad? People at a certain height are bad? Are all filipinos bad? Are the companies she worked for bad? etc., etc.

My obvious point is there are bad people in all walks of life and, as consumers, we need to constantly be educating ourselves, especially when we are dealing with, for most, the biggest transaction, i.e. buying a home.

What I would like to see is that Liza gets punished for her crime immediately. As I sit writing this comment, Liza is out there enjoying herself and, most likely through her extensive contacts, profiting in some way originating loans. Other than making every mortgage broker and banker out there aware of her crime, how else can one stop her from originating loans through a colleague or another unscrupulous broker???? Any ideas?

For the record I don't know Liza or of her (until King5 introduced me to her). I am a filipino mortgage broker and a former Catholic (long story, I just hated giving money to a church that abused young boys...). Anyway, personally, I am really pissed at Liza Bautista because of how she took advantage of people, much less putting these victims in credit hell. She puts a black eye on the honest loan officers out there and the mortgage industry. Shame on you Liza Bautista. We all know you are reading this.

For the victims, if you are reading this, let me know if there is any way I can help you. NO, I'm not trying to do a loan for you. I just am very angry at folks like Liza and will support anything that helps put these folks away.

Alright, I'm signing off, happy Thanksgiving all!

The way to stop Liza Bautista is to take that picture of her and blow it up 5x and have the Department of Financial Institutions distribute it to every Mortgage Broker, Bank, Escrow Company, Real Estate Broker, Loan Company and anyone else who she might come in contact with to further her fraud. Make the poster look like a wanted poster, She will quickly learn she needs to earn a honest living.

Liza...what promted you to do this to your fellow Filipino clients? Is it greed? Ego? or just the feeling that you are invincible and can get away with murder?

You just threw a huge obstacle along the path of your fellow Filipino Loan Consultants...shame on you!!! But you know what, we will still be here working while you wont be! Our families can hold their heads up high... it is because we work by the book not by greed.

The worse thing is, while the victims languish, that Liza is still originating loans but using someone else's name. This fraud scheme goes beyond just Liza Bautista, so, she is still earning $ originating loans, just not under her name. Another unscrupulous loan officer or mortgage broker is probably helping her out. How unfortunate.

Posted by: Cheeto at November 21, 2006 05:28 PM

*************************************************

cheeto,

yes, liza is still originating loans or is trying to anyways. she tried to contact one of the lender reps to do a loan for her, just a few days ago. the rep said no.

i wonder which mortgage broker she's submitting under....hmmmmmm. hopefully, a lot of these "greedy" loan people will now think twice, now that an investigation is under way. but then again, MONEY is a big factor in all of these so this investigation might not have any effect on them.

cheeto, you seem to know a lot behind the scenes...please keep us posted. thanks.

TO: Filipino & Loan Consultant

Yes, after being in the busines for over fifteen years, I hope a know a little bit of how these schemes work. On the good side of the business, that is.

Kudos to the lender rep that denied doing a loan for Liza! That action right there is evidence that Liza is defying the Cease & Desist Order. So, what good is the Cease & Desist Order if Liza is still (even attempting) originating??? DFI, are you reading this?? More needs to be done sooner and I am for helping in any way in this fashion.

Cheeto:

I closed a loan with this lender rep a little over a month ago. Now I know why the lender requested two pieces of ID from my clients when they signed at escrow. At that time I questioned why they asked for another piece of ID aside from the driver's license. Of course, because I am a Filipino doing a loan and they just probably want to cover all their bases because of what Liza had been doing. One bad apple sure will effect all of those hardworking LO's who are working by the book.

Like you, I am also for helping get those bad apples out of the way. By the way, the lender rep said Liza used her "faith" to befriend the her. They even prayed together.

Well, she will need to pray really, really hard. I see jail time on this one if she is proscuted properly.

Let me know if you hear anything new. Thanks!

Oops. I misspelled prosecuted.

more victims are coming out. she did it too to their close family friend. liza bautista took their financial information, bought a house under their name with forged signatures. house is now in forclosure since she has not made payment since july. not only is she ruining their credit, she is also causing discord among families.

Liza Bautista does not belong in the Church of Christ. Just because her race is Filipino and her religion is Christian does not mean she is a member of the Church of Christ. My family is a close friend of her and we know she is not in the church. You cannot blame a church for her actions because even though someone may be a faithful Christian and goes to church, its how the person wants to make a living in this life. Its their choice if they want to forge names and get extra cash for their families, or enjoy what they have right now.

Hello. I am a member of the Church of Christ (Iglesia Ni Cristo) and I go to the locale at Kent. Not only i am a member but i am a Deacon and my wife is a choir member and so are my kids. Liza Bautista is not a member of the Church of Christ. That is a fact. In the locale of Kent, Liza Bautista has no membership of the church whatsoever. If you have watched the video of Liza being caught on tape when she was going to her church in Tukwila, you can see that is not the Church of Christ. Liza Bautista goes to a church where they are renting space. As you can see Tukwila is far from Kent. The Kent house of worship is a much bigger church than a rental place. The quote she has said in the top is not a teaching that we members of the Church of Christ (Iglesia Ni Cristo) believe. We based every teaching in the bible. What Liza Bautista is doing is giving other churches bad names. Thank you for reading my concern and I hope that I clarified that Liza Bautista and her coworkers are not members of the Church of Christ (Iglesia Ni Cristo).

Why are the members of the church so defensive???

Frankly, I don't give a rats a** what church she was attending or what religion she is. I don't blame the church or the fact that she is a filipina. She is in charge or her own actions.

She is just one person of many CRIMINALS nationwide that have victimized and CHEATED families. That is a shame.

What pisses me off is how she used her faith and church background to her advantage. In my opinion, here are a few words of description: CHEATER, MANIPULATOR, DISHONEST, UNGODLY, ANTI-CHRISTIAN, LIAR, etc. Any more?

JV, you say your family is close to her. What is your opinion of her today????

First off in my line of work sadly enough I see at one point even the straightest Loan Officer, Broker, Notary, Escrow,appraisers and My Goodness the borrowers yes yourself forge, lie, alter, create, steal, borrow all on a mortgage loan before. I am one of these guys that make or break/prevents some dreams from coming true. Yes a mortgage underwriter. I have seen for the most part most of the schemes out there come across my table. Instead of everyone pointing at race religion and what Tom and Katie ate at their wedding you should be pushing WA state to pass higher barrier of entry and strict consequences against LO, Brokers, Notaries, "Mortgage Broker owned Escrows"(Yup you heard that right), and so fourth. Well guess what people? Loan Officers dont even need a High School Education to become your "Mortgage Specialist" they dont even need to take any formal training class. During the hight of the refi boom I had seen so many new L.O. that were working full time at BOEING or Microsoft and doing the LO thing on the side. Some of them didnt even know what a Goodfaith, TIL or ECOA were let alone handle your financial information. Good News is that L.O.'s will soon have a higher barrier of entry come next year with a test from WA.

The same goes for escrow notaries. I swear majority of them dont know what a lot of the documents they put in front of the clients really mean or they dont bother to explain or incorrectly do so. Of the people that posted above how many of you actually read through line by line of all the documents that were in front of you when you bought a house. I'm confident to say none because we are always rushed to sign everything on our lunch break just to close that deal.

Although I cant say that this problem all stems from an industry that is in need of shake up. Trust me it's not just WA state, there are many that are going through this. Ultimatly the borrowers will have to be the ones that realize and recognize that if it's to good of a deal then it may just be smoke and mirrors.

People need to stop posting about your church or yourself. We dont care or want to know
who you are or details about your church.
For heaven's sake., stop posting comments not related to the topic.

Please remember some of the rules of this blog before posting.
1. Tell the truth. You may not post or link to any material that could be considered libelous, defamatory or false.
2. Respect privacy of others.
3. You may not post material that infringes the rights of others including copyright, trademark, trade secret, privacy, personal or other proprietary rights.

For those who want to avoid being a victim of fraud,
simple rule is never trust anyone except yourself.
Attend home buying seminars, read a book, research online. Learn about the marketplace,
mortgages, brokers, your credit etc.
Educate yourself!

This article done by King5 is excellent in that it identifies yet another type of identity theft that can happen to any unsuspecting victim. Still, the way in which the fraud occurred I doubt anyone would be able to catch such a scheme even if they had performed reasonable research beforehand.

Think about it...As mentioned in the story, the (poor credit) buyer goes to escrow to sign papers only to have the (good credit)paperwork later substituted in order to close the loan. This kind of fraud doesn't get identified until long after the damage has been done.

The important element here is how these types of cases are handled in terms of making those accountable for the fraud committed. While certainly tragic to the victims, I don't expect much from our System initially. After all, unlike Realtors or Real Estate Appraisers for example, loan officers are not currently licensed in the State of Washington and given the large number of transactions in the State each year, this is a small percentage of the overall total.

Still, only with media exposure and decisive action against the perpetrators can this kind of abuse be eliminated.

I wish to remind everybody that in every religion,
there are some who were able to get in and even baptized, but in the future their real color show up. They are "fake members" of the sect. A devil who successfuly got into the fold to devour the true members. The recent news about this mortgage scam was just an example of what I was talking about and that's her. May this be a friendly warning to all the members of whatever religious sect they belong to.

I wish to remind everybody that in every religion,
there are some who were able to get in and even baptized, but in the future their real color show up. They are "fake members" of the sect. A devil who successfuly got into the fold to devour the true members. The recent news about this mortgage scam was just an example of what I was talking about and that's her. May this be a friendly warning to all the members of whatever religious sect they belong to.

Sorry for the double posting of the above comment.

Go Susanna go!! Yell long and loud. Now how about Tim Morris who has been using the same "affinity method" against another group.

TO: Cheeto

From: JV

My family and my relatives are friends with her. We are also friends with Liza Bautista's brother.

I have been in the mortgage business for 36 years. There seems to be several pieces missing in this original story.
1. Who signed as purchasers on the purchase and sales agreement that the lender reviewed and on which the closong agent closed?
2. Who was the purchaser on the title report that the investor and escrow company reviewd?
3. Who represented the closing agent at the signeing of the final papers?
4. Did the victims ever sign a note and deed of trust? Seems they just signed the original purchase and sale agreement, which immediately disappears, and then never participated again until they were handed the keys!!
5. There is a lot of misrepresentations that slipped through the final investors QC and this is hard to beleive with todays underwriting and quality controll criteria.

In any real estate transaction, where financing is involved, there are so many documents that confirm condinuity of information through out.
For this to even have a chance of succeeding, the real estate agent, broker, lender/investor and escrow/closing agent (whom the notory normaly represents)would have too be involved. Fifteen, twenty years ago it was very feasable to pull off, but today with all the computer links available to the lenders there must be more to this story than is now on the table.

This story should end in a legal prosecution of this unscrupulous Eliza aka Liza aka Lisa Bautista and she should make full monetary restitution to those she bilked.

She has made people paid a huge price for something not delivered, now it's her turn to pay a higher price (probably a jail time) for whatever she has done. That's about even, ha? I feel sorry not for her, but for her husband, family, relatives, friends and other acquaintances. I wish the authorities would have a close look-out for her that she might try to leave the country. Airport securities should always be alarmed not only for terrorist but also for Liza Bautista. By the way, does anybody know that the last name "Bautista" is a Spanish word for Baptism? I'm not really sure about it, but that's what I understand.

As a Filipino Mortgage Banker, I am appalled by the actions and the behavior of Ms. Liza Bautista. I have pride in helping others achieve their dream of homeownership and educating clients that their home is vehicle of investment for retirement. Ms. Bautista has ruined the trust. Someone please throw her in prison already.

Is she going to jail?She has to go to jail.Why is nobody prosecuting her yet? I just saw her at my aun't party the other day!!!

Hey NIGIRI, did you give Liza a tongue-lashing???? I hope you did.

JV, what about you? How do you feel about your "friend" Liza today???

I saw her cover her face when a legitimate mortgage broker friend of ours came in. Why is she still out?

seems that most of the people that had the houe in their name, probably signed something but didn't read it. I noticed that the people that had the homes in thier name where non-american. They probably didn't read what they where signing and because of this where taken advantage of....

just last week someone i know saw her and spoke with her. she said she had a house in federal way for rent. well, this house is under someone's name whose signatures were forged. she had the guts to say she owns that house. well, that house is already in foreclosure and the "owners" hired a lawyer to sue and help them clean up their credit.

from what i heard she does not think a lot of people know about the news. she does not think what she did was a big deal....and because she asked for forgiveness from the church members everything is must be ok now.

JV, are you helping her out or know who is?????

I think her whole neighborhood block should know what she has done. We will be sending each of her neighbors a Christmas card. And, obviously, Liza is still doing loans through some help from "friends."

JV, other "friends" of Liza, have any thoughts?

Has the church forgiven her and things are now okay?

Well, for JV and the other members of the church, I guess the silence says it all.

Do not think for a moment that you are not being watched.

Stay tuned.

Why is this person not being prosecuted??????

Liza Bautista should go to jail to pay for her crime, stealing someone's identity is a crime.
I feel sorry for all the family.

Has there been any update on the investigation itself?

I'd like to hear what's happening with this fraud. Is Action Escrow out of biz and the friendly Mr. Szabo and his minions looking at legal troubles? What action has the local prosecutor taken? If there isn't any then why not?????? btw, do a search on Mr. Szabo, I'm not surprised in what was seen on the news report with him.

I am a victim of the Washington Loan Network scam where they convinced me to invest money with them.By puttin my name on a house which they would pay mortgage for every month. and i would walk away with 1% of the houses value.. and as a sucka i fell for it.. next think i know. my credit started dropping. and the house will be forclosed. and they kept all the money... i didnt think it would of ended up like that since i know most of them that worked there.. and now there not around anymore. wonder if they left the states.. but i am real interested in putting CHARGES against them.. if anyone knows who i can contact to do that. please let me know. it has left me Ruined and in Dept ..please help. email me at .... stuffrus@comcast.net .with info on who to contact,

If you kept all your paperwork, correspondence, etc. Consult with a lawyer, and if you can prove damages, file a civil suit. Do something quick.

If you need help finding her, let us know. We can get you detailed information regarding Liza if you cannot find it.

My family and I are also a victim of a house scam involving currpt Loan Officers, and it makes me sick to think that people use their religion or their own family to make money in such a DIRTY way, I need help, unfortunately because of theis sacm I am in no posiiton to be able to find a lawyer because I cant find one that will help me with ut money upfront, money wich I do not have. If somebody has any suggestions or can refer me to a lawyer that is at least willing to listen to us, please post it.
I never received paper work for this house and now it turn out that even the people who are my "teanants" have stolen my mail and refuse to pay rent, it seems they are a part of all this, since they are family members of the people involved in the scam and allegedly received, $15,000.00 after signing apapaer work to "refinance".... Please I need all the help I can get to get this people prosecuted and my credit restored, I have filed a complaint to DFI, but nothing seems to happen ,, , Thank you.

Hey QUI, I did a search and came up with almost nothing...what are you talking about?

Who cares if Liza Bautista bilked a bunch of facist, hate mongering christians? I don't. Christians get what they deserve, because they are a bunch of loosers. Schemes like this should be legalized. I personnally have ripped christains off, and would do it over and over if giving the opportunity. No pitty or sympathy!

Wow. Someone has issues.

Ms. Bautista will be brought to justice by some of the honest mortgage companies she briefly worked for. These small local companies do good honest work but she has caused them destruction by leaving them with the mess that must be cleaned up. As a loan officer I know some of these companies are honest and do great things for their clients but Ms. Bautista and her accomplice Action Escrow may have caused these honest good companies demise and put some good honest people out of work. Their are so many victims in this case. I do know that these companies are doing what they can by working with King 5 news and the authorities to make sure Ms. Bautista gets whats coming to her.

Justice! All of HER victims needs justice!!! Our government should do something about this. It can't be tolerated! She might do this kind of things AGAIN!

Liza Bautista messed up those peoples life.
King 5 news opened up my mind regarding on this kind of issue. I watched the news couple of months ago. I felt really sad on her VICTIMS!
i know, thats not all of her victims.
THEREs STILL MORE!!
Those people(her victims)
are just afraid to speak up.
King 5, they need your help. they need JUSTICE! GO SUSANNAH! :)

whoa! ms. bautista is so famous now.
just type "eliza bautista" in www.google.com
and you'll see her name posted there! amazing :)

"Let me guess she was a member of a Church?
Church of Christ." Posted by: Joe

And you can add that she is a Filipino. Wow, what a nice criminal profiling by some "holier than thou" religious bigot.

JUSTICE! for ms.bautista's VICTIMS!

I think nothing is being done with the crime that she did. I still see her around.

the grand jury in san francisco has conveined and the doj has started handing down subpeneos they had a stack of over 195 as of friday 2/30/2007 i hope gods truely with those people because vlaw enforcement doesnt appear to be

i saw the news about LIZA BATISTA and her issue.
what's that church does she goes to??
is it in tukwila??
someone??? ineed answer pls. just curious :)

"The way to stop Liza Bautista is to take that picture of her and blow it up 5x and have the Department of Financial Institutions distribute it to every Mortgage Broker, Bank, Escrow Company, Real Estate Broker, Loan Company and anyone else who she might come in contact with to further her fraud. Make the poster look like a wanted poster, She will quickly learn she needs to earn a honest living. "

Posted by: Dan

haha you're so funny. but you're right do.
Department of Financial Institutions, KING 5 help LIZA's victims. DO SOMETHING!

pls...
can someone tell me what church
does she goes to?(with address if possible)
i just want to visit that church and
just to have an autograph,sign LIZA's name on my back.
i saw her name in google!(thanks stephanie)
she's so famous now!haha

ps.
i think HER PASTOR or those people who LOVE her should do something or let say convince her to PAY all those things that she did to HER VICTIMS!
King 5. those victims, THE NEED YOUR HELP!
Go susannaaahh! :)

Liza and her friends, church members, loan officer friend, some broker friend, are all helping her out.

http://dw.courts.wa.gov/index.cfm?fa=home.casesummary&crt_itl_nu=S17&casenumber=07-9-07099-6&searchtype=sName

http://dw.courts.wa.gov/index.cfm?fa=home.casesummary&crt_itl_nu=S17&casenumber=07-9-07099-6&searchtype=sName

Check that out.

http://dw.courts.wa.gov/index.cfm?fa=home.casesummary&crt_itl_nu=S17&casenumber=07-9-07099-6&searchtype=sName

Check out the link.

I think nothing is being done with the crime that she did. I still see her around.

-cgeorge123

LOL

me too. i saw her walking around tukwila last last sunday

thanks jenna! but i think its not only that
theres like a tons of case in this one
since 1980s, until NOW! OMG!

http://dw.courts.wa.gov

click search name, click accept,
then type liza bautista's name on the box.
then you'll see.

by the way. how did you know that HER church members, her friends,etc are helping out?
geees i felt REALLY sad to HER victims.

do you think liza cares about on
those UNRIGHTEOUS things that she did?

THANK YOU SO MUCH FOR RESPECTING THE NAME OF MY CHURCH - "IGLESIA NI CRISTO (CHURCH OF CHRIST)". WE ARE ONE OF YOU IN CONDEMNING THE ACT OF THIS PERSON. BEAR IN MIND THAT THE CHURCH ADMINISTRATION OF I.N.C. DO NOT TOLERATES THOSE KIND OF ATTITUDE AND PRACTICES.

anyone got her phone #, maybe we can call her up, and show her a house for sale (posing an undercover officer acting as listing agent.) Here's the new story with MLS about her, they don't have her last name, but they describe her to a T! They describe her as "She is described as: Philippino, about 5’2", dark brown-irritated facial complexion and shoulder length black hair. She drives a newer white -very clean -Dodge Neon.
"
Her new gig is asking female agents to show her a home for sale, distracts them, and steals the agents credit cards, and checkbooks, immediately going out and spending thousands of dollars as quickly as she can before these agents even notice. This poor excuse for a woman should be in jail rotting, not walking around free. If we work together we may get the job done. Unfortunately the last phone #I have for this B***h has been disconnected. She owes me money as well!

A police report has been filed with the Renton Police department. Case # 07-130363

Let's just say that people are watching Liza. We know through inside sources that she is being helped by certain individuals. Those that are helping her will go down with her, soon enough.

Let's just say that those that are helping her will get theirs too, soon enough.

Hey Brian, if she owes you money, why don't you just visit her at her home and collect what is owed?

She doesn't only steal money, she steals husbands too! and her church's name is World International Ministry in Federal Way.

P.S. She has stolen her own brother's checkbooks during a bible study. If you go to a bible study she is attending, HIDE YOUR PURSE!

She doesn't only steal money, she steals husbands too! and her church's name is World International Ministry in Federal Way.

P.S. She has stolen her own brother's checkbooks during a bible study. If you go to a bible study she is attending, HIDE YOUR PURSE!

it's world international ministry in federal way.

she has stolen from her own brother at a bible study held at her house, I was there.

I know her

sorry I didn't see my comment on my computer so I kept posting.

molly, you are right, she had a long standing affair with a married man....and come to think of it, she was married too. this is not gossip, it is a fact. this goes way back. when the guy got caught by wife the first time, everyone thought it was over....sad to say, it did not end there.

hmmmmm, basketball...federal way....bmw....
those ring a bell??? and i don't mean the church bell.

with everything that is happening now, let this be a lesson learned. i dont wish her ill will, i wish for her the strenght to get through this and the wisdom to right everything that was done wrong...with sincerity and humility.

her church is in TUKWILA.
near southcenter mall.
and i know... im absolutely RIGHT!
i saw her at KING 5 NEWS.
ask SUSANNAH for more info... lol

The church she attends? She goes to the Hope of the City in Tukwila. You can check the address on google. Good luck on getting her autograph! Why don't you take a picture with her, too! She always loves the attention...

I feel sorry for the owners and employees of the companies she worked for. One of the companies is being sued for an outrages amount of money and the company is small and has to go out of business. Its not fair that the people injured are just sueing everyone and not going after LIza and Action Escrow who where in cahoots to defraud mortgage brokers and the public. One of the owners is handicapped and may have to sell his house to pay for legal bills. He is the guy who helped the Department of Finacial Institutions and Susanna Frame investigate Liza. Her victims are not just the people who had their identity stolen. Their crdit can fixed but the employees and business owners she has destroyed will not be able to recover their losses.

eliza bautista's church
is in tukwila near the mall
HOPE OF THE CITY CHURCH
i saw that news about her issue
i feel really sorry to her victims
omg i wanna get her autograph

omg what's this?