In 2008 I met a gentleman by the name of XXXX XXXX. His home address is XXXX XXXX XXXX XXXX ; XXXX XXXX, FL XXXX. His mobile phone number is XXXX. He told me that he was selling homes that he owned at a great price and that there would be a {$10000.00} USD profit pay-out at closing if I decided to purchase. He also advised that I contact a mortgage broker that he works with named XXXX XXXX. Her company is XXXX XXXX XXXX XXXX , XXXX. The address is XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX, FL XXXX. Her office number is XXXX and her mobile number is XXXX. The first time I met XXXX, XXXX, myself, and my sister were all in her office at XXXX XXXX XXXX XXXX at XXXX XXXX XXXX ; XXXX, FL XXXX. She and XXXX were explaining that I would generate $ XXXX to do the repairs and upgrades to the home upon closing on XXXX of XXXX 's homes that he was selling. The address of the home that I purchased and currently occupy is XXXX XXXX XXXX XXXX. XXXX never took me to the home to look around and check it out. She never advised that I should take such actions either. Still, XXXX ( the seller ) told me that the sales price would be {$170000.00} USD. Upon getting a pre-approval and an approval for an FHA mortgage from a private financial intermediary ( XXXX of who I also believe partook in this mortgage fraud ), XXXX never mentioned that I would be required to put a down payment on the home, let alone 3.5 %. I believe that a private lender financed the home and sold the mortgage to SUNTRUST BANK in addition to an inflated interest rate. Furthermore, according to the credit history, strength and income-to-debt ratio, the SUNTRUST agent should have known that it was a fraudulent transaction. I was under the false pretense that I would be receiving 100 % financing, get the additional $ XXXX to do the repairs and upgrades on the home, and have the closing cost paid by the seller. There was an appraisal conducted by XXXX XXXX from XXXX. The location is XXXX XXXX XXXX XXXX ; XXXX XXXX # XXXX ; XXXX, FL XXXX. Her mobile number is XXXX and the office number is XXXX. She appraised the home at $ XXXXUSD. I also believe that the appraiser inflated the value of the home in accordance to this ordeal. Around XX/XX/2008, I received a call from XXXX to come to her office. She advised me that " the bank '' was having problems approving the loan and that she would have to increase the price of the home from {$170000.00} to {$180000.00} USD in order to get an approval. I had recently signed a contract on the home for {$170000.00}. She assured me that it was n't going to make a difference because I would now be receiving the amount of {$25000.00} USD. 
