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2008 ENFORCEMENT ORDERS


NOTE: All documents are in PDF format.
 
12/19/08
Harbison Vehicle Sales d/b/a J.D. Byrider has entered into a final Consent Agreement and Order and will pay a fine for engaging in the business of an installment seller when it was not licensed.  
 
11/21/08
Car Smart Inc. has entered into a final Consent Agreement and Order and will pay a fine for engaging in the business of an installment seller when it was not properly licensed.  

11/21/08
Advisors Mortgage Group, LLC has entered into a final Consent Agreement and Order and will pay a fine for originating loans without a license and maintaining records off site without authorization.  

11/21/08
The Department has issued a final Order to prohibit Richard J. Thomas from working in the mortgage business in Pennsylvania.  

11/20/08
The Department has issued a final Order to prohibit Carrie Webb from working in the mortgage business in Pennsylvania.   

11/20/08 
C's Auto Sales and C's Auto Sales 2 has entered into a final Consent Agreement and Order for violations of the Motor Vehicle Sales Finance Act.  The company will also refund consumers who where charged impermissible finance fees.  
The Loanleaders of America has entered into a final Consent Agreement and Order and will pay a fine for failing to complete continuing education requirements and maintaining records off site without authorization. 

11/19/08
Brian Tray (PDF)
The Department has issued a final Order to prohibit Brian Tray from working in the mortgage business in Pennsylvania.  

11/4/08
Mortgage Access Corp. d/b/a Weichert Financial Services has entered into a final Consent Agreement and Order and will pay a fine for failing to provide the Department with free access to records during an examination and failing to produce the records withing three days of the request.  

11/4/08
Wall Street Mortgage Bankers, Ltd. d/b/a Power Express Mortgage Bankers has entered into a final Consent Agreement and Order and will pay a fine for originating mortgages from unlicensed locations and not maintaining records at its principal place of business.  

11/3/08
A Great Mortgage Company d/b/a AGMC has entered into a final Consent Agreement and Order and will pay a fine for failing to provide free access to records to an examiner during an examination, not maintaining records at its principal place of business, and failing to have an individual complete the required continuing education.

10/30/08
Sun West Mortgage Company, Inc. has entered into a final Consent Agreement and Order and will pay a fine for making material misstatements on its application for licensure.  

10/28/08
Nuvell Financial Services, LLC has entered into a final Consent Agreement and Order and will pay a fine for servicing motor vehicle contracts when it was not licensed to do so.  

10/24/08
Weststar Mortgage has entered into a final Consent Agreement and Order and will pay a fine for originating mortgages from unlicensed branch locations.  

10/17/08
The Department has issued a final Order against Darcia R. Bleoo d/b/a Priority Financial Group to revoke Bleoo’s licenses, fine her $8,000, prohibit her from serving as a continuing education instructor and prohibiting her from working in the mortgage business in Pennsylvania until conditions of this order are fulfilled.

10/6/08
The Department has issued a final Order to suspend the licenses of Expert Mortgage Funding, LLC for violating the terms of a previous Consent Agreement and Order.  

10/3/08
The Department has issued an final Order to suspend the licenses of Universal Funding Partners, Inc. for violating the terms of a previous Consent Agreement and Order.  

10/2/08
The Department has issued a final Cease & Desist Order against Yolanda Thompson and First Philadelphia Mortgage Exchange a/k/a FPME, Inc. to prohibit Thompson from engaging in the mortgage business in Pennsylvania and require refunds of fees collected from consumers to secure mortgages.  

9/30/08
The Department has issued an final Order to revoke the licenses of HLF Mortgage, Inc. and prohibit M. Carole Fisher from working in the mortgage loan business.  
 
M. Swisher & Sons, Inc. d/b/a M. Swisher & Sons Auto Sales has entered into a final Consent Agreement and Order and will pay a fine for engaging in the business of an installment seller when it was not licensed. 

9/22/08
Precision Financial, Inc. has entered into a final Consent Agreement and Order for engaging in improper conduct when it refused to fund a loan.  

9/17/08
Monique Tate d/b/a Applied Mortgages has entered onto a final Consent Agreement and Order and will pay a fine for failing to submit annual reports to the Department in a timely manner.  

9/16/08
Superior Mortgage Corp. d/b/a Superior Home Mortgage Corp. has entered into a final Consent Agreement and Order and will pay a fine for closing mortgage loans at unlicensed branch locations. 

9/15/08
The Department has issued a final order to prohibit Donna Guilford Abraham from engaging in the mortgage business in Pennsylvania.

9/10/08
Cavalier Coach RV, Inc. has entered into a final Consent Agreement and Order for engaging in the business of an installment seller while it was not licensed.    

9/08/08
Ruth F. Gori d/b/a Quality Used Cars has entered into a final Consent Agreement and Order and will pay a fine for engaging in the business of an installment seller when it was not properly licensed.

8/21/08
The Department has issued an final Order of Prohibition against William D. Edgar for engaging in criminal conduct in the mortgage loan business.   

8/20/08
Bankers First Mortgage, Inc. has entered into a final Consent Agreement and Order and will pay a fine for charging application fees to consumers in excess of state law.  

8/20/08
The above companies have entered into a final Consent Agreement and Order and will pay a fine for originating first and secondary mortgage loans from unlicensed locations.

8/14/08
U.S. Mortgage Corp. d/b/a Icon Residential Capital d/b/a Pennsylvania U.S. Mortgage Corp. has entered into a final Consent Agreement and Order and will pay a fine for originating first and second mortgage loans from unlicensed locations and failing to include required language on a Secondary Mortgage Note.

8/12/08
Pacific Reverse Mortgage, Inc. d/b/a Financial Heritage has entered into a final Consent Agreement and Order and will pay a fine for originating loans from unlicensed branch locations and failing to receive authorization to maintain record at a site other than the principal place of business.

8/7/08
MortgageIT, Inc has entered into a final Consent Agreement and Order and will pay a fine for charging excessive and unauthorized application fees and failing to include required verbiage on promissory notes. 

8/7/08
US Mortgage Corporation d/b/a Mortgage Concepts Funding, Inc. has entered into a final Consent Agreement and Order for maintaining required records at an unauthorized location and failing to staff its principal place of business.  

8/7/08
Douglas F. Walker d/b/a/ DW Motor Sales has entered into a final Consent Agreement and Order and will pay a fine for engaging in the business of an installment seller when it was not licensed.  

7/31/08          
The Department has issued a final Order of Prohibition against Joseph James Scafidi for engaging in criminal conduct in the mortgage loan business.  

7/31/08
Profolio Home Mortgage Corp has entered into a final Consent Agreement and Order and will pay a fine for continuing to close loans in its own name.

7/30/08
Pay ‘N’ Go of America, Inc. has entered into a final Consent Agreement and Order and will pay a fine for engaging in the business of a money transmitter without a license.

7/14/08
TBI Mortgage Company has entered into a final Consent Agreement and Order and will pay a fine for originating loans from unlicensed locations, having false or improper advertising on its website and failing to timely notify the department of a change of address and change of name.

7/11/08
Croftcheck's Auto Sales has entered into a final Consent Agreement and Order and will pay a fine for engaging in the business of an installment seller when it was not licensed. 

7/9/08
The Department has issued a final Order to prohibit Laurie A. Waltz from working in the mortgage business in Pennsylvania.  

7/3/08
The Department has issued a final Order against NorthStar Mortgage, L.L.C. to suspend and refuse to renew its licenses for engaging in unethical practices or conduct in connection with the mortgage business.  

6/24/08
The Department of Banking has issued a final Cease and Desist Order against Keystone Loan & Financial Services, Inc. for accepting first mortgage loans from unlicensed loan officers, failing to staff its principal office with a full-time W-2 employee and failing to maintain continuing education requirements.  The company has also been ordered to pay a fine.  

6/13/08
The Department of Banking has issued a final Cease and Desist Order against Robert P. Valentin and Justice Mortgage for engaging in the business of a mortgage broker when he was not licensed to do so.

6/11/08
Carlotta Car Sales - Kingston, Inc. has entered into a final Consent Agreement and Order and will pay a fine for engaging in the business of an installment seller when it was not licensed.  

6/11/08
Riverview Homes, Inc. has entered into a final Consent Agreement and Order and will pay a fine for conducting business from unlicensed locations.  
 
6/10/08
Greenlight Financial Services d/b/a GFS Wholesale has entered into a final Consent Agreement and Order and will pay a fine for charging application fees in excess of the 3% allowed under the Secondary Mortgage Loan Act. 

6/10/08
1st Professional Mortgage, LLC and Shawn James Hannegan has entered into a final Consent Agreement and Order with the Department of Banking for altering loan documents and closing and processing loans originated by unlicensed brokers. In addition, Mr. Hannegan must surrender the company’s licenses and cannot work in the mortgage business for two years.  

6/10/08
Genesis Home Solutions, LLC and Lisa Gerideau-Williams have entered into a final Consent Agreement and Order for violations of the first and second mortgage acts.  In addition, Genesis Home has surrendered its mortgages licenses and Gerideau-Williams is prohibited from engaging in the mortgage business in Pennsylvania.  

6/3/08
Bellmeade Motors, Inc. has entered into a final Consent Agreement and Order and will pay a fine for entering into motor vehicle sales finance contracts when it was not licensed to do so. 

5/29/08
Universal American Mortgage Company, LLC has entered into a final Consent Agreement and Order and will pay a fine for closing secondary mortgage loans in its own name while licensed as a broker. 

5/27/08
Assist Build, LLP has entered into a final Consent Agreement and Order and will pay a fine for failing to have an individual complete required continuing education credits.

5/20/08
First Jersey Mortgage Services, Inc. has entered into a final Consent Agreement and Order and will pay a fine for originating loans from unlicensed locations, not including required language on secondary mortgage notes, failing to complete continuing education credits, not maintaining records at its principal place of business and processing loans from unlicensed brokers. 

5/5/08
Jenique Chang Jones has entered into a Consent Agreement and Order and will take corrective action for violations of the Mortgage Bankers and Brokers and Consumer Equity Protection Act.

4/30/08
The Department of Banking has issued a final Cease and Desist Order against Harrisburg Check Cashing, Inc. for transmitting money without a license.  The order requires the company to ensure that all outstanding money orders and other transmittal instruments are honored and to reimburse customers whose money orders were returned for insufficient funds.  

4/28/08
The Utility Station has entered into a final Consent Agreement and Order with the department and will pay a fine for cashing checks for a fee without a license.  

4/24/08
Front Line Motors, Inc. has entered into a final Consent Agreement and Order with the department and will pay a fine for entering into motor vehicle sales finance contracts without an installment seller license.  
 
4/7/08
Snyder Mortgage Corporation, Inc. has entered into a final Consent Agreement and Order and will pay a fine for failing to have an individual complete the required continuing education credits at its principal place of business.  

4/7/08
Rockbottom Motors, Inc. has entered into a final Consent Agreement and Order and will pay a fine for entering into contracts for the sale of motor vehicles without a license.  

4/3/08
Progressive Mortgage Group, Inc. has entered into a final Consent Agreement and Order for originating secondary mortgage loans without a license.  
 
3/26/08
A B Financial Solutions has entered into a final Consent Agreement and Order and will pay a fine for allowing independent, unlicensed brokers to originate loans on its behalf.  
 
3/26/08  
Worldwide Financial Resources, Inc. has entered into a final Consent Agreement and Order and will pay a fine for numerous violations of the Mortgage Bankers and Brokers and Consumer Equity Protection Act (MBBCEPA) and the Secondary Mortgage Loan Act (SMLA).  
 
3/25/08 
Professional Financial Lending, Inc. has entered into a final Consent Agreement and Order and will pay a fine for allowing  independent, unlicensed brokers to originate loans on its behalf.  

3/25/08
Triumphe Mortgage Corporation has entered into a final Consent Agreement and Order and will pay a fine for closing loans in its own name as a lender while licensed as a broker.  

3/20/08
Bedford Recreational LLC d/b/a Bedford Motor Sports has entered into a final Consent Agreement and Order and will pay a fine for entering into motor vehicle installment sales finance contracts at an unlicensed location.  

3/18/08
Apex Financial Group, Inc. d/b/a AAPEX Mortgage has entered into a final Order with the Department of Banking and will pay a fine for originating loans from unlicensed locations.  The company's licenses have also been temporarily suspended.  

3/11/08
Carfagno Auto Sales, Inc. d/b/a Carfango Chevrolet has entered into a final Consent Agreement and Order and will pay a fine for entering into motor vehicle sales finance contracts without being licensed as an installment seller.  

3/7/08
Dustin E. Mattocks d/b/a Village Auto has entered into a final Consent Agreement and Order and will pay for entering into motor vehicle sales finance contracts without being licensed as an installment seller.  
 
3/4/08
Loan Express, Inc. has entered into a final Consent Agreement and Order and will pay a fine for permitting independent, unlicensed brokers to originate loans on its behalf. 
 
2/28/08
Bradley Skierkowski and Robert Hawks have entered into a final Consent Agreement and Order and will each pay a fine for engaging in the residential mortgage business in Pennsylvania when they were not licensed to do so and transacting business under the name of an unlicensed company.  

2/28/08
The Department of Banking has issued a final Cease and Desist Order against Thomas W. Alexander for engaging in the mortgage loan business when he was not licensed to do so.  In addition, Mr. Alexander must return all fees collected from Pennsylvania consumers since July 2, 2007.  

2/20/08
Rox Motors (PDF)
Rox Motors has entered into a final Consent Agreement and Order and will pay a fine for engaging in the business of an installment seller when it was not licensed.  

2/20/08
Mortgage Lenders Network USA, Inc. has entered into a final Consent Agreement and Order to cease all mortgage banking and lending activity in Pennsylvania for which a license is required.  

2/12/08
Catrina Ponder aka Catrina M. Hughes; Bretlin Home Loans aka Bretlin Home Mortgage; BMS Inc. aka Bretlin Mortgage Services (PDF)
The Department of Banking has issued a final Cease and Desist Order against Catrina Ponder, Bretlin Home and BMS Inc. for engaging in the mortgage loan business without a license.  Catrina Ponder, Bretlin Home and BMS Inc. must also return any fees collected as a result of the transaction described in the order.  
 
2/11/08
King Chrysler Jeep Dodge, LLC has entered into a final Consent Agreement and Order and will pay a fine for engaging in the business of an installment seller without a license.
 
2/8/08
Apple Auto Sales, Inc. has entered into a final Consent Agreement and Order and will pay a fine for selling motor vehicles under installment sale contracts without a license.

2/5/08
The Department has revoked the mortgage licenses for Nicholas Piscitelli d/b/a Old City Mortgage and permanently banned Nicholas Piscitelli from engaging in the mortgage loan business in Pennsylvania for violations of the Mortgage Bankers & Brokers & Consumer Equity Protection Act.

1/29/08
East Philadelphia Business Agency, LLC has entered into a final Consent Agreement and Order and will pay a fine for cashing checks for a fee when it was not licensed to do so.  

1/28/08
SpanCastriota Chevrolet, Inc. has entered into a final Consent Agreement and Order and will pay a fine for engaging in the business of an installment seller without a license.  
 
1/22/08
Spankey’s Auto Sales, Inc. has entered into a final Consent Agreement and Order for attempting to unlawfully accelerate installment sale contracts or repossess motor vehicles when the consumers were not in default of their payments or otherwise in breach of the consumer contracts.  

1/16/08
U.S. Mortgage Finance Corp. d/b/a www.usmfc.com has entered into a final Consent Agreement and Order and will pay a fine for originating secondary mortgage loans without a license.    

1/14/08
Ace Companies, Inc. d/b/a Ace Auto Sales has entered into a final Consent Agreement and Order with the Department of Banking and will pay a fine for engaging in the business of an installment seller without the proper license.  
 
1/14/08
Ace Companies, Inc. d/b/a Ace Auto Sales has entered into a final Consent Agreement and Order with the Department of Banking and will pay a fine for engaging in the business of an installment seller without the proper license.  
 
1/14/08
Reliance Mortgage, LLC has entered into a final Consent Agreement and Order with the Department of Banking and will pay a fine for allowing an individual to broker mortgage loans on its behalf without a license and compensated this individual as an independent contractor.  
 
1/2/08
The Windsor Jewels of Pennsylvania, Inc. d/b/a Diamond Check Cashing has entered into a final Consent Agreement and Order with the Department of Banking for cashing checks for a fee from a location at which it was not licensed to do so.  

1/2/08
Kleber Brothers, Inc. has entered into a final Consent Agreement and Order with the Department of Banking and will pay a fine for engaging in the business of an installment seller without the proper license.