On Tuesday night time, the Trump Administration criminally referred New York State Lawyer Normal Letitia James to the Division of Justice over accusations of mortgage fraud.
The Federal Housing Finance Company (FHFA) accused Letitia James of falsifying data, citing a 5-unit property in New York she claimed was solely 4 models so as to get a extra favorable mortgage.
FHFA Director William Pulte mentioned in a letter to Lawyer Normal Pam Bondi that James seems to have falsified data to fulfill sure lending necessities and obtain favorable mortgage phrases.
Right here is a copy of Pulte’s felony referral letter of Letisha James to AG Pam Bondi.
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This information on Tuesday night time just isn’t a shock to The Gateway Pundit readers.
The Gateway Pundit was the primary to carry you info and proof of Letitia James’s corrupt actions in acquiring a number of properties she bought over time.
And there’s A LOT MORE to this story.
THANK YOU to Joel Gilbert for his work on this essential investigation. Joe and his crew are the true heroes right here for exposing probably the most poisonous politicians in America right now.
On March 18, 2025 — The Gateway Pundit first reported on Letitia James and her Brooklyn residence.
Big Development: Is Letitia James Guilty of Mortgage Fraud?
For over 20 years, Letitia James repeatedly claimed her Brooklyn residence constructing was a four-unit property on mortgage functions—regardless of official data proving it had 5.
This will appear a minor discrepancy, however misrepresenting the unit depend enabled her to safe extra favorable loans, together with a 2011 House Inexpensive Modification Program (HAMP) mortgage that saved her tens of hundreds of {dollars} yearly.
Now, the identical authorized ideas she used to prosecute others could also be turning in opposition to her.
All of it started in 2001 when Letitia James bought a four-story multi-family residence constructing with 5 residences in Brooklyn for $550,000.
In 2005, James refinanced the constructing with an adjustable mortgage from Aegis that began at an rate of interest of seven.2% with a ceiling of 10.2%.
For the following 20 years, James took out refinancing mortgages and all the time listed the variety of models as 4.
Nevertheless, the official file within the most up-to-date Certificate of Occupancy, dated January 26, 2001, says the property is legally labeled as a five-family dwelling. On the earth of mortgage lending, it is a important distinction.
(Please be aware: The New York Metropolis Division of Buildings mandates that any alteration affecting the use, egress, or occupancy of a constructing necessitates an up to date C of O.)
Properties with 4 or fewer models qualify for extra favorable “residential” rates of interest, whereas these with 5 or extra are labeled as “industrial” properties—typically topic to increased charges.
Quick-forward to 2011. Along with her 2005 adjustable-rate mortgage seemingly escalating towards 10.2%, James sought aid from HAMP – a federal initiative beneath the Troubled Asset Relief Program (TARP) designed to help householders prone to foreclosures.
HAMP, nonetheless, had strict eligibility necessities. In response to its official Making Home Affordable Program Handbook, “Eligibility is restricted to owner-occupied properties with not more than 4 models.”
The reasoning was clear: this system aimed to help common householders and never landlords of multi-family rental residence companies.
In her HAMP application, James listed her property kind as: DWELLING ONLY – 4 FAMILY (residences).
Nevertheless, as confirmed by the 2001 Certificate of Occupancy, the constructing was formally designated as a five-family residence dwelling – making it ineligible for the HAMP program.
March 20, 2025 – Letitia James indicators mortgage loans as her father’s partner!
Mortgage Fraud Alert: Did Letitia James Marry Her Father?
Visitor publish by Joel Gilbert, with minor editorial changes for readability and formatting.
My recent revelations in The Gateway Pundit demonstrated that New York Lawyer Normal Letitia James obtained a federal government HAMP loan in 2011 to refinance her residence constructing based mostly on false unit info and a extremely questionable hardship declare.
In her loan documents, James claimed her multi-family residence constructing at Lafayette Avenue in Brooklyn had solely 4 models, though the official Certificate of Occupancy signifies 5 residences.
This will appear a minor level, however James’s false declare helped her acquire a 2.7% government-backed HAMP mortgage unavailable to landlords with greater than 4 residences in a given constructing. James additionally claimed monetary hardship to qualify for the mortgage, regardless of an earnings of over $126,390 in 2011.
Learn extra right here:
There appears to be a sample of attainable mortgage fraud in regard to Letitia James. New questions have now arisen a few house Letitia James bought together with her father, Robert James.
Within the Spring of 1983, Letitia James was 24 and dwelling in Brooklyn together with her dad and mom. She had graduated from CUNY’s Lehman School in 1981. She wouldn’t start regulation faculty at Howard College in Washington, DC, till the autumn of 1984.
In response to New York Metropolis Division of Finance data, on Might 20, 1983, Letitia James and her father, Robert James, took out a real estate loan from Kadilac Funding Ltd. for $30,300 as “husband and spouse.” For the file, Letitia James’ mom is Nellie James.
The husband-and-wife designation is obvious and in capital letters on the very high of the first page of the mortgage doc and on the signature web page, which reads “ROBERT JAMES AND LETITIA JAMES, HIS WIFE.”
This mortgage was used to buy a small 888-square-foot two-story house at 114-04 Inwood Street in Queens, New York, seemingly for Letitia to stay in.
In the meantime, the deed for the property, executed on the identical day, has a special designation. On the highest, it says the property is being bought by “ROBERT JAMES AND LETITIA JAMES, his daughter.”
On the age of 24, Letitia James could have had bother qualifying for a house mortgage as a single lady with little or no earnings.
The query for Ms. James is whether or not she and her father defrauded the mortgage firm, Kadilac Funding, by pretending to be husband and spouse so as to qualify for the mortgage.
The much less seemingly different is that Letitia really married her father. On this case, she would have been telling the reality each on the mortgage and on the deed—father/ daughter/ father/ daughter—shades of Chinatown, however the marriage would have been fraudulent. What’s true is that Letitia has not married anybody else within the years since.
March 25, 2025 – Letitia’s corruption could also be widespread
The Letitia Files: Did Letitia James Illegally Hire a Nonprofit for Her 2013 Campaign?
Visitor publish by Joel Gilbert
New York Lawyer Normal Letitia James’ multi-family residence constructing in Brooklyn has begun to resemble against the law scene. Final week, I revealed two main incidences of potential mortgage fraud by James.
I detailed Letitia’s misrepresentations in her government HAMP Loan software whereby she falsified the variety of residence models in her constructing to acquire a mortgage at 2.7% on the again of the American taxpayer.
I additionally revealed that James as soon as obtained a house mortgage by claiming she had married her father. By borrowing together with her father, Robert James, as “husband and spouse,” she was in a position to safe a house mortgage when she was 24 years outdated.
Now the highlight is shining on what might be thought of unlawful marketing campaign exercise by Letitia James in 2013 when she ran for New York Metropolis Public Advocate.
The New York City Campaign Finance Board is an impartial, nonpartisan company that oversees town’s marketing campaign finance system.
Its major obligations embody guaranteeing candidates adjust to NYC’s marketing campaign finance legal guidelines, together with contribution limits, spending restrictions, and monetary disclosure necessities.
Looking their records for Letitia James, it signifies her marketing campaign employed New York Communities for Change (NYCC), a non-profit 501(c)(4) group, to interact in political marketing campaign exercise on her behalf in September, October, and November of 2013.
The campaign activities listed by James point out that her marketing campaign paid NYCC for “Marketing campaign Employees,” “Canvassing,” “Staffing,” and “Workers/Hire/Telephone.” The whole expenditures have been $3,494.38.
NYCC describes itself as a grassroots group targeted on neighborhood organizing, direct motion, and legislative advocacy to deal with points like housing, environmental justice, and neighborhood security in New York.
They declare, “We’re preventing for secure, inexpensive & steady houses and neighborhoods as an alternative of evictions and displacement” and “A secure and thriving planet to construct our communities on”.
There are distinctions within the IRS guidelines between 501(c)(3) and 501(c)(4) organizations as regards political exercise. The regulation relating to 501(c)(3) non-profit organizations is strict – non-profits can not take part in any political exercise.
James herself issued a press release in 2020 entitled “Attorney General James Issues Political Activity Guidance for Non-Profits Ahead of the November Election”. Within the launch, James lectured non-profits, warning them prematurely of the 2020 election that they have been strictly prohibited from participating in any political exercise.
NYCC was organized in New York as a 501(c)(4) in 2009 as a successor to ACORN. Firms organized as 501(c)(4) are referred to as “Social Welfare Non-Income” and their donations should not tax deductible.
Working for social welfare, according to the IRS, implies that a corporation should “function primarily to additional the widespread good and common welfare of the individuals of the neighborhood.”
A 501(c)(4) can have interaction in some political actions, together with advocacy and lobbying, however political work can’t be their main exercise.
They’re allowed to interact in issues like posting partisan political messages on social media, however they can’t immediately help or oppose candidates for public workplace in a public method.
Whereas they could conduct impartial political expenditures, they can’t coordinate with campaigns. Accordingly, political campaigns in america avoid 501(c)(4) organizations as a result of they’re prohibited from coordinating directly with political campaigns or candidates.
If a 501(c)(4) have been to offer marketing campaign staff or canvassing providers to a candidate, it will be thought of an in-kind contribution. Due to this fact, all of the actions that Letitia James paid NYCC for in 2013, “Marketing campaign Employees”, “Canvassing”, “Staffing”, and “Workers/Hire/Telephone” have been very seemingly not authorized.
New York Lawyer Normal Letitia James has constantly emphasised the significance of upholding the regulation. Her statements embody “Because the elected Lawyer Normal of New York, I’ve a sworn responsibility to guard and uphold state regulation.
My workplace will comply with the info of any case, wherever they lead.” She has additionally mentioned, “In New York, we worth the rule of regulation, and my workplace will all the time work to make sure our legal guidelines are defended, regardless of who makes an attempt to sidestep or ignore them.”
Letitia James has repeatedly acknowledged that “nobody is above the regulation.” If she stands by that precept, then transparency round her marketing campaign’s dealings with NYCC is the least New Yorkers deserve.
Had been the funds authorized? Was NYCC performing inside its nonprofit mandate? Or did the Lawyer Normal’s marketing campaign improperly profit from hiring a non-profit for political acquire?
Solely a full accounting – and maybe an official investigation – can reply these questions definitively.
April 11, 2025 – Letitia’s issues should not remoted in New York state.
Revealed: NY Attorney General Letitia James Declares Virginia Home Her ‘Principal Residence’
This text initially appeared on White Collar Fraud and was republished with permission.
Letitia James, New York’s Lawyer Normal, has constructed her profession on exposing deception. However a quiet actual property transaction in Norfolk, Virginia—carried out simply weeks earlier than the Trump fraud trial she championed—now raises severe questions on her personal compliance with New York regulation.
A declaration buried in authorized filings states her intent to make a Virginia home her principal residence:
“I HEREBY DECLARE that I intend to occupy this property as my principal residence.”
These phrases seem in black and white in a Specific Power of Attorney, signed by James and filed in Norfolk on August 17, 2023, authorizing her relative Shamice Thompson-Hairston to behave on her behalf in a transaction that included the declaration. They weren’t written by a lawyer performing on James’ behalf. They have been her phrases. Her intent. Her signature.
This signed energy of lawyer is a smoking gun by itself, utterly separate from how the mortgage is likely to be interpreted. It stands as a transparent declaration of intent from a sitting New York Lawyer Normal to ascertain principal residency in one other state.
Whereas joint possession preparations generally contain house owners with totally different main residences, this case is totally different. The declaration within the energy of lawyer particularly states James’s intention to make the property her principal residence, and the mortgage requires each debtors to ascertain residency. This raises questions on whether or not such a declaration was made primarily to safe preferential mortgage phrases.
Importantly, this isn’t an remoted incident—discrepancies in James’s mortgage filings appear to follow a longer-term pattern, elevating broader questions on disclosure consistency.
If James by no means meant to make the Norfolk property her principal residence regardless of signing a doc explicitly stating that intention, the declaration could represent misrepresentation beneath federal fraud statutes. This may be significantly problematic for somebody who has prosecuted others for related misrepresentations in property issues.
And this declaration got here at a outstanding second. As a result of on October 2—lower than seven weeks later—James would take to the courtroom steps in Manhattan to announce the beginning of her landmark civil fraud case in opposition to Donald Trump. The trial would span months and dominate headlines. James could be in New York practically each day.
The Details
The Virginia property at 604 Sterling Street was bought for $240,000 with a $219,780 mortgage. The deed lists James and Thompson-Hairston as co-owners in “joint tenancy with proper of survivorship as at widespread regulation,” that means each have equal possession rights. The property is a 1,450 sq. foot single-family house with 3 bedrooms and 1 toilet, inbuilt 1947.
The transaction was accomplished on August 30, 2023, with Thompson-Hairston signing the mortgage paperwork each for herself and as attorney-in-fact for James. What makes this transaction significantly troubling is that the mortgage documents require each debtors to make the property their principal residence inside 60 days (by roughly October 30, 2023) and keep it for at the least one yr—inserting the occupancy deadline squarely in the course of the Trump trial.
This creates a direct battle with James’ duties as New York Lawyer Normal, the place she maintained an lively public presence all through this era. The timing couldn’t be extra problematic—on the very second she declared her intent to ascertain Virginia residency, she was getting ready for her most high-profile case in New York.
The Authorized Necessities
This isn’t merely a matter of getting a number of houses. New York Public Officers Law § 3(1) is unambiguous: “No individual shall be able to holding a civil workplace who shall not… have resided on this state” for the required interval. The State Constitution Article XIII, Section 13(a) particularly requires the Lawyer Normal to be “a resident of the state for 5 years instantly previous election.”
Moreover, Public Officers Law § 30(1)(d) mandates that an workplace turns into vacant when the officeholder ceases “to be an inhabitant of the state.”
The results beneath New York regulation are fast and extreme: when an officeholder strikes outdoors the required jurisdiction, they’ll not legally maintain their place.
“When an officeholder removes his residence from the territorial limits required by statute, the workplace is rendered vacant.”
If James declared Virginia as her principal residence—which the facility of lawyer clearly exhibits was her intention—she could have triggered an automated emptiness within the workplace of Lawyer Normal beneath New York regulation—probably invalidating her authority in the course of the very interval she was prosecuting her highest-profile case.
Monetary Concerns
Past the authorized implications, there are additionally monetary questions surrounding this transaction. Customary mortgage necessities for owner-occupied properties, equivalent to these documented in federal housing types, sometimes provide considerably decrease rates of interest than funding properties—typically 0.5-0.75 proportion factors much less, translating to hundreds in financial savings on a $219,780 mortgage.
The monetary motivation behind claiming a property as a main residence is critical—and raises troubling questions on whether or not this declaration was made for monetary profit reasonably than reflecting precise dwelling preparations.
Disclosure Questions
The sample of questionable documentation extends to James’ official disclosures. Her 2023 Financial Disclosure Statement contains an earlier Virginia property, 3121 Perrone Avenue, Norfolk from 2020, however nothing in regards to the Sterling Road transaction. There is no such thing as a reference to the Sterling Road property or the $219,780 mortgage within the 2023 FDS, regardless of its joint possession and up to date buy date.
In response to New York ethics pointers, collectively owned actual property could also be exempt from disclosure solely whether it is used solely as a main or secondary residence and doesn’t generate earnings. If the Sterling Road property is being rented or used as an funding, the omission may represent a violation of public officers regulation.
The query turns into: What number of undisclosed properties exist, and why the obvious effort to maintain them off official data?
April 13, 2025 – Letitia’s weird daddy points.
New for Letitia Files: Is Letitia James’ Rage Against Trump Really a “Daddy Issue?”
Visitor publish by Joel Gilbert
Letitia James has “Daddy points”. The New York State Lawyer Normal who hounded President Trump seems to have been performing out a vendetta in opposition to her personal father. No rational clarification accounts for her reckless assaults on Trump, particularly given her personal checkered history of probably unlawful actual property transactions.
James’s father, Robert James, was born in South Carolina in 1916. He married Letitia’s mom, Nellie, and got down to construct a future in New York Metropolis. They’d eight youngsters collectively, together with Letitia. For a few years, the sprawling household shared simply 1,100 sq. ft of dwelling house in a 2-bedroom 2-bath rental residence at 44 Butler Place in Brooklyn.
When Letitia was a teen, her father deserted the household and moved in together with his girlfriend, Joyce Mosby.
Mom Nellie was left alone of their rental residence to are inclined to her eight youngsters, Letitia included. Nellie paid the payments from her job at AT&T the place she would work for 25 years.
Though he by no means did purchase a house for his spouse and his eight youngsters, Robert James purchased a two-story indifferent body single household house in 1979 with girlfriend Joyce Mosby at 114-32 167th Street within the Jamaica part of Queens, New York.
The house was located on a 2,500 sq. foot lot and featured 1,280 sq. ft of dwelling house. One can solely think about how her father’s abandonment for a girlfriend and a suburban home of their very own made teenager Letitia really feel.
After graduating from Lehman School within the Bronx in 1982, with a serious in social work, Letitia had had sufficient of dwelling in a crowded two-bedroom household residence. In 1983, she recognized a small, 888-square-foot two-story townhome at 114-04 Inwood Street in Queens.
Letitia apparently recruited her father to pose as her husband so as to qualify for a mortgage to purchase the house.
In response to New York Metropolis Division of Finance data, on Might 20, 1983, Letitia James and her father, Robert James, took out a real estate loan from Kadilac Funding Ltd for $30,300 as “husband and spouse.”
The husband and spouse debtors might be seen in capital letters on the very high of the first page of the mortgage doc and on the signature web page, which reads “ROBERT JAMES AND LETITIA JAMES, HIS WIFE”.
It’s illegal for a father and daughter to falsely symbolize themselves as husband and spouse to acquire a mortgage mortgage. This may represent mortgage fraud, which is a severe offense beneath federal and state legal guidelines.
Mortgage fraud can embody “False Illustration,” outlined as “offering deceptive or false info on a mortgage software” and “Misrepresentation of Relationship,” outlined as “mendacity about marital standing to qualify for higher mortgage phrases.” It doesn’t seem to have troubled James to place her father in hurt’s approach.
This is one other doc with Letitia signing as his father’s spouse.
Apart from the faux paper marriage to her father, Letitia James has by no means been married. Much more curious, she has no apparent file of getting dated anybody – boyfriend or girlfriend. There was hypothesis about whether or not James is a lesbian, however there’s by no means been any proof.
