From National Mortgage Professional:
As Home Prices Slip, Mortgage Fraud Risk Intensifies
As rates ease and overall mortgage applications have risen 8% from Q2 2025 to Q3 2025, Cotality took a deeper look at mortgage fraud risk instances nationwide in Q3 in its latest National Mortgage Application Fraud Risk Index. The results … fraud is up year-over-year, with instances of undisclosed real estate fraud leading the way.
Overall, Cotality found that mortgage fraud risk rose 8.2% year-over-year in Q3, however, it dropped by 2.7% from Q2 of 2025. The report found an estimated one in 118 mortgage applications had indications of fraud within them.
For their breakdown, Cotality examined six areas of mortgage fraud and found an increase in only one area — undisclosed real estate fraud. This category of fraud increased 9.1% year-over-year. Undisclosed real estate fraud includes undisclosed debt, possible occupancy misrepresentation, and/or derogatory credit events (foreclosure, NOD, short sale, etc.) being hidden from the lender.
The rise in undisclosed real estate fraud could be due to an increase in investors and more being forced to rent due to higher home prices and mortgage rates still exceeding the 6%-mark.
“Undisclosed real estate was once again the fraud segment with the highest increase,” said Matt Seguin, senior principal with Cotality Fraud Solutions. “As the percentage of investors grows, more borrowers have multiple properties and mortgages. Oftentimes, those mortgages are being refinanced simultaneously, and they may be with different lenders. This could be why we’re seeing a continuing uptick in undisclosed real estate debt.”
Cotality’s system for warning about falling property values has seen a large increase in alerts, jumping 42% in the last quarter and 400% compared to a year ago. Cotality’s Home Price Index confirms prices are dropping across much of the U.S as inventory increases.
Back. For a bit.
I miss sleepy Joe.
Much later than expected, but flying cars may finally be here
https://www.euronews.com/video/2025/11/13/worlds-first-flying-car-factory-begins-production-in-china
Speaking of fraud.
https://www.nytimes.com/2025/11/15/world/middleeast/trump-organization-saudi-development-deal.html
“ The negotiations are the latest example of Mr. Trump blending governance and family business, particularly in Persian Gulf countries. Since returning to office, the president’s family and businesses have announced new ventures abroad involving billions of dollars, made hundreds of millions from cryptocurrency, and sold tickets to a private dinner hosted by Mr. Trump.”
Guy in NJ dies from Alpha Gal.
Now learn what boomer was up to:
https://youtu.be/TunNIAGN8Ac?si=UPHBf0UL2oh6W0yp
Trump Cuts Ties With Marjorie Taylor Greene, Calling Her ‘Wacky’
The rupture exposed the divides within President Trump’s MAGA base over the Epstein files and more.
Listen to this article · 4:21 min Learn more
By Luke Broadwater
Luke Broadwater covers the White House.
Nov. 14, 2025
President Trump is done with Representative Marjorie Taylor Greene.
Once one of Mr. Trump’s most reliable allies on Capitol Hill, the Georgia Republican has increasingly broken ranks with him, most notably by calling for the release of the Justice Department’s files about the convicted sex offender Jeffrey Epstein.
It’s astonishing really how hard he’s fighting to stop the Epstein files from coming out that he actually goes to this level.
But really most Americans wish he would fight this hard to help the forgotten men and women of America who are fed up with foreign wars and foreign causes, are going broke trying to feed their families, and are losing hope of ever achieving the American dream.
That’s what I voted for.
– Rep. Marjorie Taylor Green
Juice,
Thanks for that SP lawyer note.
Regarding the Epstein and related deaths, is it more likely the Clintons or Bill Gates helped accelerate? It’s been hazardous to be friends with the Clintons. That’s common knowledge, as the late great Norm Macdonald noted. https://youtu.be/Z3PP_SWHUQQ?si=uFD1r6OcyOc9fW6o
Is that cancel thing still happening, because, well, this is probably a good use of it.
https://www.vanityfair.com/news/story/megyn-kelly-ignores-viral-outcry-on-jeffrey-epstein
…Kelly immediately drew flack for appearing to equivocate on Epstein’s behalf: “He was into the barely-legal type,” Kelly said on her show. “Like, he liked 15-year-old girls. And I realize this is disgusting. I’m definitely not trying to make an excuse for this. I’m just giving you facts, that he wasn’t into, like, eight-year-olds.”
…Still, Kelly seemed intent on defining Epstein as a sex offender who did not target really young children. “I don’t know what’s true about [Epstien], but we have yet to see anybody come forward and say, I was under 10, I was under 14, when I first came within his purview,” Kelly said Wednesday. “You can say that’s a distinction without a difference. I think there is a difference. There’s a difference between a 15-year-old and a five-year-old, you know?”
Probably a better headline to have used:
Shorter Megyn Kelly: F*cking 15-Year-Olds Isn’t So Bad. F*ck You.
And now Trump says Bondi is investigating Epstein ties to democrats? When all this shit is breaking?
This may be the end of the Trump administration folks.
democrats finally have a campaign message forward:
“We must endeavor to navigate the intricate political landscape through a structured lens, leveraging multilateral frameworks to optimize our strategic bandwidth, thereby ensuring that the foundational tenets of decentralized synergy remain non-negotiable in the face of emergent, yet inherently transient, systemic variables.”
Democrats are just waiting to pick up the pieces.
It’s looking like there is enough material for at least 5 episodes on South Park.
Gold now at 4.080,44 USD (3.512,03 EUR). Yeah baby!!!
As of this year, there have been 446 large bankruptcies, the highest number in 15 years. This surpasses the total number of bankruptcies for the full years of 2021 and 2022, which were 405 and 373.
https://www.njoag.gov/ag-platkin-horizon-agrees-to-settle-false-claims-act-case-for-100-million/
Will I see prison time for the healthcare fraudsters?
RentL0rd says:
November 15, 2025 at 10:49 am
https://www.njoag.gov/ag-platkin-horizon-agrees-to-settle-false-claims-act-case-for-100-million/
Will I see prison time for the healthcare fraudsters?
Never.
Taxpayer overpays, they get the shaft.
Government fines, they keep the money.
Heads I win, tales you lose.
It’s called capitalism.
And yes, your healthcare premiums are going up up up like gold prices. Or go without it, that house of yours, it’s easy to slap a lien on it.
Trump lie of the day. Someone signed for his last round of pardons. Ho hum.
It wasn’t the King or his auto pen!
One thing I believe about Trump
He is the type that, when cornered, will throw everyone else under the bus when he is busted. Not the type to go down alone.
So many skeletons in the closet DC is going to look like a graveyard with all the bones that are about to be dumped on the front lawn of the White House.
Trumps handler oligarchs had him sign.
He has been comprimised from the beginning.
His attempted assassination is really looking like a hoax now.
It’s all Hollywood.
Hollywood would have done it “better”.
Hey, Guy,
It’s gonna be alright. Just sign over the deed. I’m sorry, I had to spend your money on weapons, Ukraine, and Venezuela.
Just find a spot under the bridge in San Diego, in that liberal state. Stay out of Texas.
Robert Hays, an industrial electronics salesman in Arkansas, thought he’d purchased conventional medical insurance. So did Essie Nath, 67, a retired cafeteria worker in Wyoming. So did Martin Liz, 47, a Key West chef.
Each enrolled in the kind of private health insurance that Trump administration officials have promoted as an alternative to plans sold under Obamacare.
The difference between the two options became all too clear after Hays, Nath and Liz required surgery: Their cheaper policies left them facing bills of tens of thousands of dollars. Hays is facing bills of $116,000 for neck surgery required after tweaking his neck while lifting weights; Nath had heart failure and got bills of $82,000; Liz is stuck with bills of more than $100,000 for a knee replacement.
“These policies are a horrible idea,” said Ken Swindle, an Arkansas-based attorney for Hays. “People think they’re getting comprehensive medical coverage, but they’re not, and they often don’t realize that until it’s too late.”
Lib,
You asked what I like:
$bnkr -real revenue, real good tech, sick developer and team(that produces), good vision for growth, and basically free at current levels.
ETH—will 3x from current price and is the wall st backed play. It’s safe for crypto standards. It will only grow as it is ingrained into the financial system and business ecosystem.
Useless-high risk/high reward play. It’s a useless meme. It’s a leveraged play on BTC…nothing more, nothing less. If BTC hits 150k-200k or more this cycle….this thing will run hard. Just remember, if BTC dumps, this will get slammed down. That’s the game for this….it’s a traders coin. Not a coin you can just hold. Swings are insane and that’s where the money is made….and why people show up to play(trade).
$zec is being pumped on x right now. I don’t trust it, but could be wrong and a worthy buy on the privacy narrative (which i don’t support).
And BTC is free under 100k in terms of a safe play which is what BTC has become at this point in time.
So much for your prescription plan having to pay for anything. It comes out of your pocket now.
A bill aimed at streamlining the process of making certain prescription medicines available over the counter has been enacted into law.
The measure requires the Food and Drug Administration to improve the clarity and predictability of its review process when pharmaceutical companies seek to change a drug’s status from prescription to nonprescription.
https://youtu.be/NfuiB52K7X8
Libturd says:
November 15, 2025 at 10:56 am
It wasn’t the King or his auto pen!
“Families of four are now dropping $1,030 month on groceries as of September 2025, up 53% since January 2020. Food at home prices jumped another 2.4% in 2025 alone after already rising 25.6% from 2020-2024. Inflation is a huge part of this but the structural issues are what actually explains why a family’s grocery bill doesn’t come down even when inflation cools.
When COVID disrupted supply chains something shifted. Oligopolies realized they had pricing power a real sustained pricing power. Four meat packers control 85% of the market. Five grain producers control 90%. When you have that kind of market concentration, competitors aren’t undercutting you. When avian flu pushed egg prices up in 2022, Cal Maine could have expanded production to recapture market share. Instead, they intentionally delayed boosting supply and kept prices artificially elevated. Corporate profits in food jumped 170% since 2019 because they could charge whatever they wanted and point to supply chains as cover.
The entire justification for sustained price increases relies on supply chain chaos, weather events, and labor shortages. Those are all real but theyre also the perfect excuse for an industry thats fundamentally restructured itself around margin expansion.
Tariffs accelerated this. Coffee tariffs hit 21.7% year over year with 50% duties on Brazilian imports that supply 35% of unroasted beans. Fresh produce faces tariffs from Mexico and Central America. The food industry lobby spent over $500 million from 2019-2023 shaping policy to benefit consolidation. So the big take away is that groceries didn’t get expensive because of one crisis. They stayed expensive because the crisis taught corporations they could get away with it.”
I am now being contacted by private security firms with warnings for my safety as a hot bed of threats against me are being fueled and egged on by the most powerful man in the world.
The man I supported and helped get elected.
Aggressive rhetoric attacking me has historically led to death threats and multiple convictions of men who were radicalized by the same type rhetoric being directed at me right now.
-Rep. Marjorie Taylor Green
Ex: on the off-chance
https://youtu.be/-c_MUh9w690
The Long Beach Police Department responded to the Shoreline Village Yard House on July 7 after an intoxicated Isaiah Anthony Hodgson, 29, allegedly went into the women’s bathroom, approached a woman who saw his handgun and a firearm magazine.
Security cameras track Hodgson leaving the parking lot as officers arrive. He walks around a nearby park and dumps his handgun, which had Department of Homeland Security serial numbers, shortly before officers find him.
Bodycams show Hodgson resisting officers and slurring his words as he shouts, “I’m BP.” It takes a handful of officers to wrestle Hodgson to the ground. Officers tased him before they could finally place him in handcuffs.
Some I assume are good people.
lol, probably going to have to post this Monday again so everyone can see but maybe Pumpkin shouldn’t have fought so hard against the ping pong facility. RIP bro…if you fight against this one, you are an Islamaphobe.
WAYNE, NJ — A plan to build a new Islamic house of worship on Colfax Road near Sharon Lane is now under township review, with formal hearings expected sometime next spring once the application is deemed complete.
https://www.tapinto.net/towns/wayne/sections/government/articles/updated-proposed-mosque-on-colfax-road-in-wayne-awaits-completeness-review-before-zoning-board-hearing
The applicant, Ipray House Inc., is proposing a 468-seat mosque with parking for 251 vehicles on a wooded 9.7-acre parcel at 225 Colfax Road, the same site once slated for a table-tennis training facility. That earlier proposal was withdrawn several years ago after heavy neighborhood opposition.
Let’s goooooooooo!
https://youtu.be/9N9Yk1LjKk0
Ex says:
November 15, 2025 at 10:43 am
“Democrats are just waiting to pick up the pieces.”
If by picking up the pieces you mean re-opening the border to felons, gang members and drug smugglers, and re-enabling Iran and Hamas to wreak havoc in the middle east, then yes, the Dems will do that. Idiot!
RentL0rd says:
November 15, 2025 at 6:22 am
“I miss sleepy Joe”
You miss cocaine and topless trannies in the White House. Why am I not surprised…Dingbat!
5:26 hahahahahahahahaha turd burgler
Throwback NYC:
https://imgur.com/gallery/year-2000-nyc-wtc-window-2lLtiu0
BRT,
Don’t get me started. The America I love is slowly being taken over. It’s sad. And if you don’t agree with it, you are racist….can’t win. Joke. Yet when Christians want to move into a Muslim neighborhood in the middle east or Africa….what happens. Murder. No one talks about it.
And that’s what pisses me off. This country was founded by Christian principles. These people want to destroy it by pumping out babies and taking over the political process to fit their needs. It’s disgusting. This goes for the Jewish communities too that hijack towns and govt. F them all. Like parasites.
Ping pong sounds delightful.
Thats getting built, there is zero question about it.
Enjoy the loudspeakers.
Ok, but here’s the question, if you could have a do over, what would you prefer, the Ping Pong Facility or the Mosque?
I gave you both.
I will go for ping pong any day, but would you prefer a masjid, a swaminath temple, a pentacostal, or a hasidic jewish temple?
Tell me where your biases are without telling me your biases.
Rent lord….nothing wrong with wanting to live like this. It’s not racist either, so don’t say that garbage. It’s a lifestyle and community that you want to live in. I dare you to move to Lakewood or little Pakistan paterson. Do it, you hypocrite.
https://x.com/antunes1/status/1989422818250166592?s=46
Instead you want to live in the nice communities built by Christian European principles. I wonder why.
And yes, Lakewood and little Pakistan paterson have become unlivable for american values….no true American will willingly sign up to live there…rich or poor.
This is how the British felt when the Irish moved here… and then looked down at the Italians later.
How about spending more social causes and assimilation so the hard working immigrants don’t have to find refuge in these closed religious groups?
You need to have visionaries who look at the macro level and not narrow minded me me me.
I was talking to someone today who runs a $1.5B global economics related company.. and what I said above is what she explained to me.. although she explained it much better that I don’t have the time to.
Btw, her husband and I drove around in his 1960s Citroën that he fixed it up himself. Coolest car ever.
What’s ping pong?
What is hard working about the Lakewood community? What is hard working about little Pakistan? They sit there and corrupt the religious law of our country to take advantage of others. It’s disgusting.
RentL0rd says:
November 15, 2025 at 10:09 pm
This is how the British felt when the Irish moved here… and then looked down at the Italians later.
How about spending more social causes and assimilation so the hard working immigrants don’t have to find refuge in these closed religious groups?
You need to have visionaries who look at the macro level and not narrow minded me me me.
You support this chit?
“Lakewood has one of the lowest per capita incomes in New Jersey. A big reason for this is that Jews in Lakewood have huge families (it is part of what they see as their religious obligation). I personally have thirteen siblings. Even if parents make a lot of money, it’s hard to provide for so many kids. Another big reason is that there are many men who do not work a traditional job in Lakewood. Lakewood is home to the second biggest yeshiva in the world and many graduates choose to continue studying Judaism full-time for many years. Typically their wives are the main breadwinner and the couple sometimes receives additional support from parents and wealthy donors. I think it’s perfectly fine to criticize individuals for choosing to have large families and study Torah full-time. I can speak from my own family’s experience that this was not a responsible decision. But you should not assume widespread welfare fraud without good reason.”
Organized crime. That’s why.
RentL0rd says:
November 15, 2025 at 10:09 pm
This is how the British felt when the Irish moved here… and then looked down at the Italians later.
You refuse to understand what I said and it has nothing to do with Lakewood specifically.
10:34 – So all Italians are into organized crime?
It was a lot more to do with Protestants vs Catholics
Nothing to do with my opinion, from ai.….but reasons for discrimination. I don’t make the rules.
From Ai:
“Yes, both Irish and Italian immigrants faced discrimination in the United States, partly due to stereotypes and real instances of organized crime associated with their communities. While both groups were subject to prejudice, the association with crime was more prominent for Italian Americans due to the rise of groups like the Black Hand and media portrayals during Prohibition. Irish immigrants faced discrimination rooted in stereotypes of lawlessness, drunkenness, and a perceived threat to public safety.”
May I remind everyone that Pumpkin’s father was deported back to Poland for organized crime drug dealing.
His wealth comes from wife and grandma.
He’s on the public teet as a teacher. May have god mercy on those poor kids souls and future.
Pumpkin you judging anyone else is like Charles Manson judging Epstein.
I see the designated drop off location at Met Life for a football game. Any advice on the best pickup spot? I can go back to the same location, but it can be dicey like arrivals lanes at the airport. Any better suggestions?
Goota say that is some kind of boomerang Karma coming around to the fine folks of Wayne who prevented future American Olympians from training at smaller facility a 27,100-square-foot building with only 16 ping-pong tables to this massive 53,000 ft Mosque with a Miaret and I gather loudspeakers for the call to prayer? Doesn’t that start at like 5:30 AM and again at Sunrise and continues until the evening?
The FBI busted a Hasidic Rabbi a few years ago for running a massive welfare fraud scheme
Juice: That Mosque construction in Wayne will cost millions, there must be some big donors. Paramus has been fighting with an Indian Hindu group that wants to build a massive temple and community center on the site of a closed Protestant church on Spring Valley Rd. They have presented multiple plans, to the planning board and they have all been turned down.
I see the truth hurts. Attacking me. Cool story.
I am a hard working tax paying citizen. I have paid more taxes and did more for other people (teacher) than most human beings out there. Go support your bs parasitic communities who hate your american way of life, esp your religion. Keep fighting for them at the expense of your own rights and history.
Pumpkin AIHistoryFile says:
November 16, 2025 at 8:32 am
May I remind everyone that Pumpkin’s father was deported back to Poland for organized crime drug dealing.
His wealth comes from wife and grandma.
He’s on the public teet as a teacher. May have god mercy on those poor kids souls and future.
Pumpkin you judging anyone else is like Charles Manson judging Epstein.
Listen, I feel for you. I actually had to drive through your area on the way to Wayne Hills high school last year for a competition. It is a nice little stretch. And I don’t think it’s too much to ask that they don’t knock down the woods to build a gigantic palace. I’m sure there’s a beaten down/abandoned strip mall somewhere nearby that would be more suitable of a location.
Look folks Dr. Nader Fahimi is getting his Schadenfreude now. You prevented his simple Ping Pong Palace, now you will know the full Wrath of Kahn.
Thanks, BRT.
That’s my biggest angst, why do you have to tear down the woods? So many other locations like you suggest, sit vacant. Makes no sense. Let the animals and community have something. Instead you tear down the character of the community and everyone leaves. Then it becomes a cesspool like the country these immigrants came from.
I can’t stress that enough. Not all cultures are the same or have the same values. A lot of European cultures value nice homes and communities like the Japanese. Then you have other cultures that live like chit and everything they touch turns to chit.
Best of luck with the SI. Loved my SI.
Pumpkin – F U, you ignorant assh0le.
America is great because of immigrants from all over.
Go live in Kansas City and come back to tell us.
Not surprised to see another self-aggrandizing ignoramus try to present himself as the ultimate judge of the Western tradition
“ A lot of European cultures value nice homes and communities like the Japanese. ”
Uhm…Japanese ain’t Europeans
I actually shouldn’t insult Kansas City (KS or MO). I was there recently – 15+ years since I was last there, and it’s very different and grown a lot. People from all over – felt prosperous.
I should say go visit Branson, MO. And if you can’t, watch the Netflix series Ozark (not a documentary and more fun to watch than visiting).
https://www.charlotteobserver.com/news/politics-government/article312932422.html
The comments in the article above could be from some of the posters like pumps here.
This is nothing compared to the corporations and big box stores that clear way more land to build a new building right across the street from a vacant strip mall that no one is using.
Corporations, land owners, and zoning boards are all corrupt.
Corruption runs America, and just about everywhere else.
Europe is finally turning on that turd, Ursula Van Der Lying
That’s my biggest angst, why do you have to tear down the woods? So many other locations like you suggest, sit vacant. Makes no sense. Let the animals and community have something. Instead you tear down the character of the community and everyone leaves. Then it becomes a cesspool like the country these immigrants came from.
https://www.youtube.com/watch?v=zr0PLtIL9So&t=25s
VSG says:
November 16, 2025 at 1:58 pm
Uhm…Japanese ain’t Europeans
Well, you can, in theory, be European and “Turning Japanese.”
Ursula.
You are next. The Poles want you out too.
You weren’t voted in, by anyone.
https://www.youtube.com/watch?v=vseM6MMk9qo
New national data released this week showed 36,766 foreclosure filings in October alone — up 19 percent year-on-year — but a deeper dive reveals one unexpected Midwestern state has become ground zero for the crisis.
Foreclosures are usually concentrated in Sun Belt trouble spots like Florida, California and Nevada.
But analysts were stunned to see Illinois emerge as one of the worst-hit states last month.
In October, one in every 2,570 Illinois homes had a foreclosure filing — a total of 2,118 properties. That includes 1,252 foreclosure starts (when the paperwork is first began) and 187 completed repossessions (when the foreclosure process is completed).
Illinois saw fewer than 1,900 filings in September, and just 1,597 last October.
‘We’ve definitely noticed an uptick,’ said Jason Merel, a realtor covering Chicago and the northern suburbs.
More ai:
If someone claims they’re defending “Western values” by engaging in racist reasoning, that contradicts the contemporary Western principles they claim to uphold — such as:
• individual rights
• equality
• dignity
• nondiscrimination
The Great Pumpkin says:
November 15, 2025 at 10:49 pm
Nothing to do with my opinion, from ai.….but reasons for discrimination.
The Great Pumpkin,
You are correct. Import the 3rd World, become the 3rd World. It is now the situation throughout the EU. What did you never see before in Germany? Graffitti. Now You See it all over the place. Diversity is not necessarily a strength. Homogeneous societies have far fewer social problems.
New national data released this week showed 36,766 foreclosure filings in October alone — up 19 percent year-on-year
System working as designed. Will be purchased in bulk from banks by stealth venture capitalists and turned into rentals.
Never let a good crisis go to waste. Disaster/Vulture capitalism will decimate the middle class in the USA.
This is what the handlers want.
What did i say that was racist? Truth hurts? I am not allowed to say anything about another culture…got it.
VSG says:
November 16, 2025 at 3:47 pm
More ai:
If someone claims they’re defending “Western values” by engaging in racist reasoning, that contradicts the contemporary Western principles they claim to uphold — such as:
• individual rights
• equality
• dignity
• nondiscrimination
The Great Pumpkin says:
November 15, 2025 at 10:49 pm
Nothing to do with my opinion, from ai.….but reasons for discrimination.
Funny.
I was making a point about cultures that are clean and take care of their communities/homes. Why do you think koreans and Japanese love to live in the nice “white/european” based town….they share the same values. Education. Clean. Proper manners.
VSG says:
November 16, 2025 at 1:58 pm
“ A lot of European cultures value nice homes and communities like the Japanese. ”
Uhm…Japanese ain’t Europeans
Hoods off here today. Trash people calling others 3rd worlders.
A study surveyed 5,162 men who were born between 1949 and 1961. Those who started smoking weed when they were young not only did not show signs of cognitive decline later in life, but adults who regularly smoked weed showed no more cognitive decline than those who didn’t smoke.
UBS says odds of an American recession: 93%
1?
In a major reversal, Trump now says Republicans should now vote to release the Epstein files.
PATH one way ticket fares currently $3.00 will ride .25 in Spring of 2026, and increase every year by 0.25 until 2029. EZ Pass off peak discounts are also being eliminating. PATH did announce it will be increasing PATH train service including weekends. For thr majority who use it for just commuting it’s just another increase.
8:12 redacted files and scrubbed
I am hearing economists talk about a downturn that can last for 10 – 15 years.
Considering taking 10% off the market.