Another May/December Mortgage Fraud Green Card Marriage between Arizona Realtors!?
...Somebody Pinch Me!!!
One of them claims that they are always educating themselves on the "best and most ethical real-estate practices":
Once I see that someone claims to be the most ethical at something, I know something is up! Just me? Ok…
A little background on these two:
Vincent Deshayes (DOB 9/2/1970) appears to be a French national. The first record of his appearance in the United States is in 2017, first in California with a failed restaurant venture, and then Arizona where he entered the window coverings business. His immigrations status is unknown. Mr. Deshayes was divorced from his first wife, Catherine Herbetreau, in Arizona on August 11th, 2021. There were two children approximately 16 and 18 at the time of the divorce. Mr. Deshayes appears to have obtained an Arizona real-estate license in 2018 and gotten into the "shade" business shortly after that.
Maria Villamar (DOB 8/13/1991) appears to be a Mexican national, also of unknown immigration status. Ms. Villamar also obtained an AZ real-estate license and now works with Mr. Deshayes in the window coverings business. In case you forget what they do, their Facebook handles are "Window Coverings Vince" and "Window Coverings Mar". I guest that would make me "Mortgage Buster Duck"!?
The day after Mr. Deshayes obtained a divorce from his first wife and mother of his teenage children, he married Maria Villamar on August 12th, 2021. Only reason I mention the immigration statuses is…what was the rush!?
The 21 year age differential isn't quite as bad as Ms. Kwee's senior citizenship marriage, but a 30 year old referring to herself as the "mother of two teenage boys" is a little cringe? Pink pants are always cringe. Anyway, cringe is not a crime, but this certainly is: Within a year of marriage, this highly ethical couple had engaged in at least one very obvious felony mortgage occupancy fraud.
Suspects: Vincent Deshayes (DOB 9/2/1970) and Maria Villamar (DOB 8/13/1991).
The Principal Residence - On February 18th, 2021 Vincent Deshayes purchased 3151 E. Tina Dr., Phoenix AZ 85050 for $537,988 financed by a conventional 30 year mortgage in the amount of $355,000. On September 1st, 2022. Mr. Deshayes took out an additional $100,000 LOC secured by the property. Both Deeds of Trust require that Mr. Deshayes maintain the home as his personal residence, a condition which him and his new wife first appeared to satisfy.
The Rental Property - On July 11th, 2022 Vincent and Maria Deshayes purchased 2773 E. Sequoia Drive for $594,939 financed by a conventional 30 year mortgage in the amount of $529,900. The Deed of Trust requires that the owners maintain the home as a principal residence.
The Rental - On July 16th, 2022, the home was listed for rent (on zillow) for $4,500 per month. The listing was removed on August 15th, 2022. Based on multiple sources, the current residents/renters of the rental home are unrelated parties: Erik Robert Ruiz (50 y/o) and Mylisa Pennington (25 y/o). Per my research, these two are also in a cringeworthy relationship (which began when Ms. Pennington was in her teens…). Mr. Ruiz has a criminal background and is sought in a DES case/judgment against him in Maricopa Family Court (ie he has at least two children in Imperial County which he isn’t supporting). Ms. Pennington has a recent history of evictions and an April 16th arrest for “Assault - Touched to Injure”. This is the other problem with these unregistered rentals - for the unsuspecting landlord, the unsuspecting lender, and society at large. Here is the DES case if anyone wants to help track Mr. Ruiz down: http://www.superiorcourt.maricopa.gov/docket/FamilyCourtCases/caseInfo.asp?caseNumber=FC2022-051939
Classification of the Rental Property - According to the Maricopa Assessors Office, the property is currently classified as a primary residence.
The Mortgage/Occupancy Fraud - As the Rental Property was obviously purchased for that purpose, this is a fairly straightforward and egregious case of felony mortgage occupancy fraud, particularly for a couple of ethical real-estate agents. Mr. Deshayes (at a minimum) was claiming both homes as principal residences to 3 different lenders at essentially the same time. In addition, they are evading sales taxes on residential rents.
Listing of the Principal Residence - Within 6 months of obtaining the LOC, the home was listed for $1.075 Million and is currently listed at the reduced price of $999,800.
Air BnB of the Principal Residence - The house was listed on Air BnB for a "Tesla Chauffeured Super-Bowl Experience" (For $3K/day, minimum 3 night stay…). I don't believe anyone took them up on it.
So, two principal residences claimed. $1 Million in mortgage debt, and they aren't going to live in either of them!? Slam Dunk!!!