Discriminatory First Guaranty Mortgage Corporation's Partner Coester VMS Real Estate Appraisers Sues Virginia Board For Well Deserved License Declination (Ban)

Brian Coester
 

The Judiciary Report has been running a series of articles warning the public against the discriminatory rip off companies, First Guaranty Mortgage Corporation and Coester VMS. I had a very bad experience with these two companies in 2014, who not only discriminated against me, they criminally defrauded me out of thousands of dollars. The public needs to avoid both companies, as they are engaging in unlawful conduct in criminal violation of U.S. law that will cost you money.

Months after I began writing about First Guaranty Mortgage and their appraisal company of choice Coester VMS and filed a complaint with the government in Washington, the Virginia Real Estate Appraiser Board denied them a real estate license. The real estate board is right to decline their license request. It has been discovered Coester VMS has been been breaking the law in Maryland, North Carolina, Tennessee, Louisiana, and Minnesota, forcing them to make legal settlements regarding their criminal behavior. The head of the company, Brian Coester, has also been outed on engaging in unlawful behavior.

These people should not be in business. Yet, First Guaranty Mortgage Corporation is knowingly using criminals to appraise properties in America and destroying real estate deals, while pocketing massive fees from consumers they both defraud. You all belong in prison...and something tells me that's where you and all those involved in your little schemes are going to end up. 

Brian Coester
 

Coester VMS is based in Maryland, but First Guaranty Mortgage Corporation is headquartered in Virginia. As Coester VMS seeks to expand their ties with First Guaranty Mortgage Corporation in Virginia, they sought a license in the state from the Virginia Real Estate Appraiser Board, but were correctly declined. 

Subsequently, Coester VMS has filed a lawsuit against the Virginia Real Estate Appraiser Board alleging "a conspiracy to restrain and monopolize trade" further accusing them of antitrust behavior. However, the Judiciary Report is of the view, Coester VMS (and First Guaranty Mortgage Corporation) are crooked, corrupt companies engaging in criminal fraud, making them unqualified for a real estate license anywhere.

Both companies need to be shutdown for the financial safety of the public. They are not to be trusted. I' have seen the corruption firsthand and can tell you with certainty, if you do business with Coester VMS or First Guaranty Mortgage Corporation, you will be ripped off for thousands of dollars and lose viable real estate deals. Do not risk your money or deals on them. 

The LinkedIn profile of First Guaranty Mortgage CEO, Andrew Peters. First Guaranty Mortgage is owned by Kenneth E. Clark.

As such, Coester VMS and First Guaranty Mortgage Corporation and ALL their legal cases will be included in my forthcoming documentary "American Justice System Corruption" as they are engaging in astonishing criminal behavior in court that needs to be exposed to the nation and the world. Coester VMS and First Guaranty Mortgage Corporation and ALL who aid in their unlawful conduct (lawyers and jurist included) deserve to be wholly and permanently disgraced to the world.

STORY SOURCE

Facing License Denial, Coester Sues Virginia Board
 

Facing denial of its license to operate an appraisal management company (AMC) in the state of Virginia, the AMC Coester VMS has filed a lawsuit against the Virginia Real Estate Appraiser Board alleging that the Board is engaged in “a conspiracy to restrain and monopolize trade” and is operating in violation of federal antitrust laws. 

The suit follows Virginia’s recently passed AMC licensing laws, which set an August 18 deadline for applicants to obtain AMC licensure or cease operations in the state. The Board has issued dozens of AMC licenses but selected Coester for closer examination. On July 15, Coester attended an informal fact-finding conference and addressed several of the Board’s concerns, including Coester’s history of consent orders and settlement agreements in five other states, for alleged violations of state laws: Maryland, North Carolina, Tennessee, Louisiana, and Minnesota. 

The allegations against Coester in these states include: unlicensed AMC activity, false advertising, failure to pay appraisers on time, failure to pay customary and reasonable fees, failure to respond to requests within the time period specified, failure to submit biannual certification, as well as USPAP violations committed by Brian Coester himself... 

http://www.workingre.com

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Muhammad Ali Spoke About Blacks Facing Discrimination In Obtaining Loans And Opening Businesses In America In A Problem That Still Exists Today (Video)

Last week I saw a video of a Muhammad Ali interview from the 1960s (posted above), featuring the late heavyweight boxing champion discussing the terrible abuse and discrimination black people face in America. Ali stated blacks were being discriminated against in attempting to open businesses. Ali correctly stated blacks were being discriminated against in trying to obtain business loans and retail real estate space. 

The video was a real eye opener, as the irony of Ali's statements is the discrimination he truthfully spoke of is still happening in America today. Blacks and other minorities are being discriminated against when applying for loans from lending institutions (Select Mortgage Companies In America Such As First Guaranty Mortgage Corporation Are Asking Consumers Their Race In Loan Applications Then Using It To Discriminate In Denying Loans and Boycott First Guaranty Mortgage Corporation And Coester VMS Who Are Scammers And Con Artists Engaging In Discrimination While Ripping Off People Seeking Mortgages). 

Blacks are also being discriminated against when trying to lease real estate space for businesses. I can testify to this firsthand as well. 4-years ago, I encountered horrible discrimination in Miami, Florida in attempting to lease retail space for my business. In watching the Ali video posted above, it was a terrible reminder to me of how much things have not changed in America, in regard to discrimination against blacks and other minorities. I've been called everything from "slave" to "nigger" in America and in modern times.

 

Muhammad Ali

Ali and I do not share the same religion. Ali was a Muslim and I am a Christian. Ali leaned more towards the ways of Malcolm X (black power), whereas I embrace the ideas of Martin Luther King Jr (equality for all races and all men are created equal). I don't share Ali's views on the English, as seen in the video posted above. However, Ali and I do agree on this - America has a massive problem with racism and discrimination. After all this time you would think things have changed, but sadly it's the same. The U.S. government and Wall Street have an ingrained contempt for minorities that manifests itself in discriminatory abuses and mistreatment.

Ali was brave to stand up for civil rights. He was unjustly stripped of his boxing titles and sentenced to 5-years in prison, for being a peaceful man who objected to the war and abuses against minorities. Ali's sentence was later overturned. Some may not understand Ali's anger in that video, but in his day blacks were being openly lynched, attacked with dogs, not allowed to eat in most restaurants, as they were "whites only" establishments.

Ali was repeatedly told at restaurants "we don't serve niggers" or "we don't serve negroes" - even after he won a gold medal for America in the Olympics. Now, there are mainstream reports of racist waiters and waitresses writing "nigger" or "nigga" on black people's receipts at restaurants. An improvement to some degree, but still disgusting nonetheless. I was a waitress for several months when I was 21-years-old and I never wrote anything on anyone's receipt. It's not necessary. You have to go out of your way to do that, which shows it is intentional when someone writes "nigger" or "nigga" on a restaurant receipt.

 

Muhammad Ali and Martin Luther King Jr

I love people of all races. I would marry a white man in a heartbeat and color wouldn't even be a consideration. I am not a prejudice person. However, I am not a person who is in denial, as there are serious problems in America that need to be addressed. Black people are being discriminated against, abused and in some cases murdered in racially motivated killings. 

It's amazing how some of the same people in the U.S. government in the 1960s who vehemently opposed Ali and treated him like dirt are now applauding him as a hero, when he never changed his stance on human rights. Why does the U.S. government keep abusing people who go on to become legends. Why is it outstanding Americans who stand up for freedom and justice are more appreciated in the international community than by the U.S. government, who constantly keeps terrible, invasive files on them at the CIA and FBI. 

Then when the legend dies, the FBI and CIA are quick to destroy some of the illegal files that are subject to FOIA requests, while heavily redacting others that shows the contempt and abuse they leveled at innocent Americans, who spoke the truth and took a stance against injustice and abuse by the government. So, you can go ahead and continue to hide the disgraceful, invasive, malicious Ali files at the FBI and CIA, but make no mistake, we saw what you did to him and will remember it. 

Much like they keep hiding the Martin Luther King Jr files after they had him set up, spied on, assaulted, arrested and murdered (former FBI agents have stated the FBI murdered Martin Luther King Jr). Congress claims they have been trying to pass legislation regarding ordering the FBI to release Ali's full file, but corruptly have not done so. Yet they can quickly pass resolutions about eating fried chicken in Congress.    

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Restaurant Claims Printing the N-Word on a Receipt Was a 'Joke'

Dec 15, 2014, 3:00p  - The restaurant owner claims "no malice was intended." People really need to stop writing controversial/insulting/racist things on receipts: According to The Patriot News, one Pennsylvania man was shocked when he found the N-word on his receipt instead of his name. 

Marquis Moore was about to eat an order of wings he had ordered for take-out from Zembie's Sports Tavern in Harrisburg when he noticed that the term "nigga" was printed near the check number.

Moore tells the paper that he is insulted and "will never go back" to the restaurant: "It makes me feel like I'm just low... nigga is an ignorant, disrespectful person. It has nothing to do with your skin color. What would possess you to put something like that on a piece of paper? You don't even know who I am." 

The owner of the restaurant, Angelo Karagiannis, claims the incident was just a "misunderstanding," and that "no malice was intended." (Since when is that word an acceptable joke?) Karagiannis even falls back on the good old "we're can't be racist because we have black customers" excuse: "We have a Redskins fan club and every week there are 12-15 black guys who come in to watch the games. We are not racist at all and serve anyone." 

http://www.eater.com

New Orleans Restaurant Employee Fired After Typing “Nigger” on Receipt Given to Neville Brothers’ Sibling

May 22, 2015 -  A member of one of the most famous musical families in New Orleans received a racially insulting message on her lunch receipt. Multiple news sources report Gaynielle Neville posted a photo of her receipt from Huck Finn’s Cafe after she visited the restaurant Thursday afternoon. The type receipt used the N-word and said “100 percent dislike.” 

Huck Finn’s Cafe posted a statement on its website apologizing for the actions of the employee, who was immediately fired. Neville is a sibling to The Neville Brothers, an R&B, soul and funk group, which has been performing since 1977.

 

http://blackchristiannews.com

From 'Chinx' to 'Mc StinkyNigger': Five Racist Restaurant Receipts

September 13, 2012 at 2 p.m. -  From 'Chinx' to 'Mc StinkyNigger': Five Racist Restaurant Receipts. Here we go again. Another restaurant, another racist receipt. This time, it was found at a Hooters in Queens. In the space reserved for the customer's name, an employee typed out the word "Chinx" to identify a Korean American couple. According to NBCNewYork.com, the couple noticed the hostess and another employee standing at the computer giggling and "gawking at them." Now the man, Kisuk Cha, is suing for racial discrimination. 

It's the latest in a string of similar WTF incidents around the country, two right here in OC. Ah, the (not-so-distant) memories. Let's look back at the stupidity, shall we? "Mc Stinkynigger," "Mc Nigsh*t" and "Mc Cottonwood" at Landmark Steakhouse. From 'Chinx' to 'Mc StinkyNigger': Five Racist Restaurant Receipts. African American businessman Mark McHenry filed a lawsuit in OC federal court against Landmark Steakhouse in Corona del Mar after an employee repeatedly listed him on credit card receipts using the racial slurs. The employee, who never confessed, was fired and the lawsuit was settled. 

Minhee Cho received this receipt at a New York City location. The image went viral when she tweeted, "Hey @PapaJohns just FYI my name isn't 'lady chinky eyes." Papa Johns apologized and fired the employee...

 

http://www.ocweekly.com

Did restaurant employee who wrote 'n-word' on receipt think it would slide?: Jarvis DeBerry

May 22, 2015 at 9:55 AM, updated May 22, 2015 at 2:51 PM - I have no problem with the use of the word "nigger" in Mark Twain's classic "Adventures of Huckleberry Finn," and I've decried attempts to scrub the novel clean of that epithet, but I raise my glass at the news that an employee of Huck Finn's Café was fired for writing that insult on a black customer's receipt. 

What, did that employee think the black customer couldn't read? Did that employee think this was still the antebellum period and that black illiteracy was the general rule? 

Even Jim stood up for himself. (I'm referring to the novel here.) He ran away to avoid being sold. Did the person who printed the racist epithet on the French Quarter restaurant's receipt think, "Black people are so docile. They take so much stuff. I can call them out their name and give them documented evidence that I did, and they won't dare report me"? 

Should've read "Huckleberry Finn," I guess. Because when the title character plays a particularly mean trick on the man running away from slavery, Jim breaks all the conventional rules that prohibit black people from pushing back at white ones. He tells the boy that he's nothing but trash for doing what he did...  

http://www.nola.com 

Congress Can’t Even Agree On LUNCH

According to MSNBC’s First Read, Republicans are peeved because Democrats are picking the menu: Domenico Montanaro: Congressional food fight? The presidential race is not the only place where change is an issue. Members of Congress returning to the Capitol this week are being confronted by transformational happenings that have shaken the building to its foundations: Democrats have hired a new company to run cafeteria services. Naturally, this has caused an outbreak of partisan skirmishing. 

“I like real food,” proclaimed Republican leader John Boehner when asked about the new menu by a producer for another cable news outfit. “Food that I can pronounce the name of.” 

Boehner is now forced to wrap his lips around such phrases as “broccoli rabe and shaved persimmon,” “balsamic glazed butternut squash,” and “calico pinto beans”…all on this afternoon’s menu, along with the downright patriotic “American Regional Yankee Pot Roast,” which, even Boehner would have to admit, kind of rolls right off the tongue. On Fridays, there is a real sushi bar tended by a bona fide Japanese sushi chef. Gone are such grade-school cafeteria specialties as Salisbury steak and fried chicken, slathered in gravy and served with a side of chips. Debate rages among regulars about the merits of the new offerings. One consensus downside: the prices have gone upscale right along with the fare. 

The company that Nancy Pelosi and her people have hired has a mandate to “Go Green,” complete with a mission statement posted outside the cafeteria on an eco-friendly LCD screen and a requirement to buy carbon offsets. Boehner doesn’t think much of that either. “It reminds me of the Catholic Church in the Middle Ages, when we had indulgences,” says Boehner of the offsets. Perhaps he will nail his theses to the cafeteria door. We’ll ask for a photo-op if he does.

http://themoderatevoice.com

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Select Mortgage Companies In America Such As First Guaranty Mortgage Corporation Are Asking Consumers Their Race In Loan Applications Then Using It To Discriminate In Denying Loans

The LinkedIn profile of First Guaranty Mortgage Corporation CEO, Andrew Peters. First Guaranty Mortgage is owned by Kenneth E. Clark.
 

First Guaranty Mortgage Corporation, a company based in Virginia, is engaging in discriminatory and financially abusive acts against minorities, the disabled and people living in America of foreign origin, who try to obtain a mortgage with their company to buy a home. It is an ongoing, illegal practice damaging innocent people. Companies that behave in this manner should be put out of business. 

Recently, the city of Miami sued Wells Fargo bank for discriminating against minorities and people living in America of foreign extraction, who tried to apply for home loans. A suspect Miami judge threw out the City Of Miami's valid case. However, a three judge appeals court in Washington, D.C. reinstated the case. You know judicial corruption has gotten terrible in America when a judge can corruptly throw out a case brought by the government.

In the appeals case City Of Miami vs. Wells Fargo & Co., (No. 14-14544 and D.C. Docket No. 1:13-cv-24508-WPD) the City of Miami prevailed as a panel of three district judges in Washington affirmed their complaint and remanded it back to the district court via a ruling that stated:

"The City’s charges were further amplified by the statements of several confidential witnesses who claimed that the Bank deliberately targeted black and Latino borrowers for predatory loans. For example, one former loan officer attested that Wells Fargo management steered low- and middle-income borrowers away from less expensive Community Reinvestment Act loans and toward more expensive Fair Housing Act and Freddie Mac loans. Id. at 36. Another claimed that the Bank targeted minority churches and their congregations for subprime loans. Id. at 37. A third claimed that Hispanic borrowers’ applications for refinancing were disproportionately denied: ‘a Rodriguez in the last name was treated differently than a Smith,’ he stated."

Let that sink in. There are mortgage companies in America, such as First Guaranty Mortgage Corporation and banks like Wells Fargo, who are discriminating against consumers in America based on them having ethnic sounding names such as "Rodriguez" or "Latisha" or "Mohammed" (black, Hispanic, Arab), hitting them with bigger loan fees and bad financial instruments, in bids at financially exploiting and abusing minorities and immigrants. That's terrible.

You know, the last lending institution who was caught doing that, Washington Mutual, is no more. The Judiciary Report ran a series of articles on Washington Mutual's criminal practices against minorities and within a couple years the company spectacularly collapsed, the remains bought for pennies on the dollar by Chase Bank (Washington Mutual Collapses Seized By Government and Washington Mutual Is No More). First Guaranty Mortgage Corporation needs to heed the warning, as that is what they are firmly headed for regarding their unlawful behavior. Said discriminatory, financially abusive practices costing minorities and immigrants money, homes and loans needs to stop.

There will be more on First Guaranty Mortgage Corporation in an upcoming Judiciary Report exposé.

 

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Boycott First Guaranty Mortgage Corporation And Coester VMS Who Are Scammers And Con Artists Engaging In Discrimination While Ripping Off People Seeking Mortgages

Boycott First Guaranty Mortgage Corporation And Coester VMS Who Are Scammers And Con Artists Engaging In Discrimination While Ripping Off People Seeking Mortgages

First Guaranty Mortgage Corporation

Beware of the companies First Guaranty Mortgage Corporation and Coester VMS, as they are discriminating against minorities, people with disabilities and immigrants, who apply for mortgages. This is illegal in America and violates federal and state laws. However, they are doing this. First Guaranty Mortgage Corporation uses the faulty appraisal company, Coester VMS, who collects hefty fees, then undervalues properties, destroying good real estate deals. This also allows others affiliated with them to swoop in on equity laden properties, such as those under foreclosure that are up for sale, despite the fact mortgage applicants found the properties fair and square.

 

Coester VMS (Value Management Services)

First Guaranty Mortgage Corporation leaves the appraisal process for last, running up thousands in fees that mortgage applicants must pay in order to obtain a loan. By the time mortgage applicants are thousands of dollars into the process, thinking their loan will close on the date issued, within a couple days of closing, First Guaranty Mortgage Corporation calls the entire thing off.

First Guaranty Mortgage Corporation

This costs mortgage applicants thousands of dollars in real estate fees. Then, First Guaranty Mortgage Corporation will encourage mortgage applicants to find another property to start the paperwork heavy process all over again, running up thousands of dollars in additional fees. Buyer beware. Avoid First Guaranty Mortgage and Coester VMS. Seek your loan and appraisal needs elsewhere, lest you lose thousands of dollars and waste valuable time.

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