Seventeenth Amended Original Petition Emerson Homebuyers ...

Montgomery County District Court

***EFILED***

LexisNexis Transaction ID: 19504805

Date: Apr 22 2008 11:25AM

Barbara Adamick, District Clerk









NO. 03-01-00267-CV



EMERSON HOME BUYERS ASSOCIATION, § IN THE DISTRICT COURT

AN INFORMAL ASSOCIATION, APRIL §

UNDERWOOD, ET AL, §

§

§

Plaintiffs, §

§

V. § 410TH JUDICIAL DISTRICT

§

D.E.R. GROUP, LLC; D.E.R. §

TRANSPORTATION MANAGEMENT; LLC; §

R.E.D. TRANSPORTATION, L.P.; MICHAEL §

DAVIS; §

§

ABN AMRO MORTGAGE GROUP, INC. §

AMERICAN HOME LOAN CORPORATION, §

BANK OF AMERICA, §

BAYVIEW MORTGAGE, INC. §

CHASE HOME FINANCE, LLC. §

CITIMORTGAGE, INC. §

COUNTRYWIDE HOME LOAN, §

FIRST HORIZON LOAN CORPORATION §

FIRST MAGNUS FINANCIAL §

CORPORATION. §

FIRST NATIONAL ACCEPTANCE §

COMPANY OF NORTH AMERICA, §

FLAGSTAR BANCORP, INC. §

FIRST NATIONAL SECURITY §

CORPORATION §

GMAC MORTGAGE §

GREENPOINT MORTGAGE FUNDING, §

INC., §

HOMESIDE LENDING, INC. §

IRWIN MORTGAGE CORPORATION, §

ISLAND MORTGAGE NETWORK, INC., §

JAMES B. NUTTER & CO., §

JUDITH O. SMITH MORTGAGE GROUP, §





Seventeenth Amended Original Petition

Emerson Homebuyers Association, et al v. Raybon Entities Manufactured Homes, et al

Page 1 of 49

INC. §

MATRIX FINANCIAL SERVICES §

CORPORATION §

MIDFIRST MORTGAGE , §

MIT LENDING §

MORTGAGE EDGE CORPORATION §

NETBANK §

EVERHOME MORTGAGE COMPANY §

NEW FREEDOM MORTGAGE §

CORPORATION §

PRINCIPAL RESIDENTIAL MORTGAGE, §

INC, §

SOURCE FINANCIAL MORTGAGE §

US BANK HOME MORTGAGE, INC, §

SYNERGY MORTGAGE SOLUTIONS, §

WASHINGTON MUTUAL HOME LOAN, §

WELLS FARGO HOME MORTGAGE, INC.

Defendants. § OF MONTGOMERY COUNTY,

§ TEXAS





PLAINTIFFS' SEVENTEENTH AMENDED ORIGINAL PETITION



TO THE HONORABLE JUDGE OF SAID COURT:



NOW COME EMERSON HOME BUYERS ASSOCIATION, an INFORMAL



ASSOCIATION consisting of APRIL UNDERWOOD and other individuals, further identified



in herein and summarized in Exhibit A, hereinafter called “Plaintiff Consumers.” EMERSON



HOME BUYERS ASSOCIATION is appellation for the individual plaintiff consumers, and



RAYBON ENTITIES HOME BUYERS ASSOCIATION does not assert any claim on its own



behalf, or any claim on behalf of others.



The Plaintiff Consumers complain of and about the parties named herein, operating as



Installation and Site Preparation Contractors, that resulted in deficient site preparation, deficient







Seventeenth Amended Original Petition

Emerson Homebuyers Association, et al v. Raybon Entities Manufactured Homes, et al

Page 2 of 49

foundation construction, deficient assembly of double-wide and triple-wide manufactured



homes, and deficient attachment of the assembled manufactured home to their foundations, and



fraudulent filing of Notices of Installation, leading to the wrongful issuance of fraudulent



Certificates of Attachment, such acts proximately causing injury to the Plaintiff Consumers.



The Plaintiff Consumers complain of and about the following manufactured home



Installers/Site Preparation entities: D.E.R. GROUP, LLC; D.E.R. TRANSPORTATION



MANAGEMENT; LLC; R.E.D. TRANSPORTATION, L.P.; and MICHAEL DAVIS.



As used herein, all of above named defendants collectively shall be referred to as the



“Defendants” or “Contractor Defendants.”



The Plaintiff Consumers complain the State of Texas Issued Certificates of Attachment



are void ab initio and the resulting long term mortgage transactional documents are



unenforceable.





SUMMARY OF RELIEF REQUESTED

The Plaintiffs Consumers seek relief in equity and in law and reserve their right to elect



the claims and damages prior to trial and/or amend their pleading pursuant to the Texas Rules of



Civil Procedure or as directed by the Court.



Injunctive Relief as to Defective Certificates of Attachment

The Plaintiff Consumers seek a finding that the Certificate of Attachments1 are void ab

initio because the Installer Defendants knowingly and intentionally provided false information to



1

A Certificate of Attachment is a certificate issued by the Texas Department of Housing and

Community Affairs – Manufactured Housing Division that permits a manufactured home to be

treated as a permanent improvement to land, provided certain conditions as met. Without the

issuance of a Certificate of Attachment, a manufactured home is considered personal property.



Seventeenth Amended Original Petition

Emerson Homebuyers Association, et al v. Raybon Entities Manufactured Homes, et al

Page 3 of 49

the Texas Department of Housing and Community Affairs – Manufactured Housing Division



(TDCA - MHD) with the intention of fraudulently securing a Certificate of Attachment for an



installation that does not meet the Texas and Federal requirements and does not qualify for an



election to treat as real property.



Injunctive Relief due to Mutual Mistake and Unenforceability

of Negotiable Instruments

In the alternative, the Plaintiff Consumers seek a finding that enforcement of negotiable



instruments (such as loan notes and deeds of trust) are thwarted and void by reason of mutual

mistake. The Plaintiff Consumers and the long term mortgage lenders relied on the fraudulent



warranty by the manufactured home installer that the installation met all requirements2 of Texas



law that permits an election to treat the manufactured home as real property,3 when they did not



exist. The Certificate of Attachment is void ab initio and no valid lien has been perfected4 on the



manufactured home. The present loan notes and deeds of trust profess to establish a lien



collateralized by real property that has been permanently improved by the installation of a



manufactured home, where no such permanent improvement exists and no such lien on the



manufactured homes has been properly perfected.



Damages

The Plaintiff Consumers seek damage to diminution of value, wrongful foreclosure,



eviction, and conversion of personal property (the value of the manufactured home) within the





2

Texas law requires that the installation must meet lending requirements of the HUD, Fannie

Mae, or Freddie Mac for long-term mortgage loans or for FHA insurance.

3

Texas law holds that a manufactured home is personal property, unless the owner elects to treat

the installed manufactured as real property and the installation of the manufactured homes meets

the requirements proscribed under law.

4

Texas law holds that a valid line on a manufactured home can only be perfected by a filing with

the TDCA-MHD, if an election to treat the home as real property has not been perfected.



Seventeenth Amended Original Petition

Emerson Homebuyers Association, et al v. Raybon Entities Manufactured Homes, et al

Page 4 of 49

jurisdiction of this Court.



OTHER RELIEF REQUESTED

Trial by Jury, Attorneys’ Fee, and Costs

The Plaintiff Consumers request and Trial by Jury and also seek reasonable attorney’s



fees and costs of litigation.



SUMMARY OF COMPLAINT

The Plaintiff Consumers allege that several local Montgomery County manufactured



home estate developers marketed some 1,600 manufactured home land/home packages to

generally unsophisticated, low-income, first time homebuyer consumers.



The Plaintiff Consumers allege that contractors, used by the Developer/Sellers,



intentionally installed the manufactured homes to a foundation that did and do not meet the



standards set forth under Texas Law and intentionally filed or caused to be filed a fraudulent



Notice of Installation (Form T) with the Texas Department of Community Affairs –



Manufactured Housing Division (TDCA-MHD). The filing of the Form-T led to the wrongful



issuance of a Certificate of attachment5 by the TDCA-MHD that wrongly recognized the



perfection of an election to treat the manufactured home land/home package as a real property6.



The fraudulent installation resulted in the buyers and mortgage lenders entering into several

transactional agreements for long term mortgage loans and obtaining mortgage protection



insurance which are unenforceable. The fraudulent installation further resulted in, over a short



period of time, not only significant physical damage7 to the manufactured house but also a

5

Manufactured Homes that do not qualify as real property are personal property and do not

qualify for long term mortgages and do not qualify for long term FHA mortgage protection

insurance.

6

But for the fraudulent issuance of the Certificate of Attachment, long term mortgage financing

would not have occurred.

7

Physical damages refer to structural damages, ranging from buckling of the exterior and



Seventeenth Amended Original Petition

Emerson Homebuyers Association, et al v. Raybon Entities Manufactured Homes, et al

Page 5 of 49

significant decrease in the market value8 of the manufactured house land/home packages.

The Plaintiff Consumers allege that the installing Contractor Defendants, through their



acts caused injury to the Plaintiff Consumers.



The Plaintiff Consumers assert that they did not receive the product they bargained for



and misrepresentations made by the Contractor Defendants constitute fraud in the factum, or in



the alternative constitute mutual mistake, rendering the transactions related to the purchase of



that product void ab initio and unenforceable.







DISCOVERY CONTROL PLAN LEVEL

1. Plaintiff Consumers intend that discovery be conducted under Discovery Level 3.



PARTIES AND SERVICE



Plaintiff Consumers

2. The Plaintiff Consumers are purchasers of manufactured home/land packages,



who are fully identified in this petition9. The EMERSON HOME BUYERS ASSOCIATION



refers to a collective appellation for these Plaintiff Consumers. The EMERSON HOME



BUYERS assert no claim on its own behalf.



3. The Plaintiff Consumers, named and further identified herein refers to the

individual households. The contact address for the Plaintiff Consumers and Association is C/O



interior structures to the complete separation of the mated “halves” of the manufactured home,

sometimes rendering the manufactured home uninhabitable,

8

Market values, on the average, have decreased from $100,000.00 at the time of purchase to

$40,000.00.

9

Each Plaintiff Consumer, besides by name, is identified by a unique identification number

(“ID”). ID numbers between 1 and 947 indicate plaintiffs who retained legal counsel prior to

January 26, 2005. ID numbers between 2001 and 2037 are plaintiffs who retained legal counsel

between January 27, 2005 and June 26, 2005. ID numbers 3001 and above, are plaintiffs who

retained legal counsel after June 27, 2005.



Seventeenth Amended Original Petition

Emerson Homebuyers Association, et al v. Raybon Entities Manufactured Homes, et al

Page 6 of 49

William H, Piper, Attorney at Law, 804 West Dallas Street, Suite 8, Conroe, Texas 77301,



telephone: 936-756-3030, fax: 832-442-3333, email: whpiper@piperlaw.org.



4. As used herein, "Plaintiff" or “Plaintiff Consumer" shall include not only the



named Plaintiffs, but also persons whose claims are being represented by or through the Plaintiff



Consumer and the Plaintiff Consumer’s Household, named herein.



Contractors



5. D.E.R. GROUP, LLC, D.E.R. TRANSPORTATION MANAGEMENT, LLC,



R.E.D. TRANSPORTATION, LP (“Defendant Contractors”) are entities based in Montgomery,



Texas that transported, installed and “set up” one or more of the subject manufactured homes at



the development sites. MICHAEL DAVIS is or was a General Partner, Director, or Manager of



these entities. Said Defendants may be served with a citation at the following address: 1124



Silveridge, Conroe, Texas 77304 or may be served through their registered agent, Gina Price, at



the following address: 220 N Thompson St, Conroe, TX 77301.



6. MICHAEL DAVIS has appeared, pro se, and may be served at 1124 Silveridge,



Conroe, Texas 77304 or via electronic filing at Lexis File & Serve.



Servicing Lender Defendants





7. ABN AMRO Mortgage Group, Inc., it heirs, assigns, and successors, is a



mortgage lender doing business in Texas and may be served with a citation directed to said party



at the following address: 777 E Eisenhower Pkwy # 700, Ann Arbor, MI 48108-3273 or through



its attorney of record: Charles J. Pignuolo, Devlin & Pignuolo, 2200 Post Oak Boulevard, Suite



700, Houston, TX 77056.





Seventeenth Amended Original Petition

Emerson Homebuyers Association, et al v. Raybon Entities Manufactured Homes, et al

Page 7 of 49

8. American Home Loan Corporation, it heirs, assigns, and successors, is a mortgage



lender doing business in Texas and may be served with a citation directed to said party at the



following address: 5846 Camino Empresa, La Jolla, and CA. 92037-7150.



9. Bank of America, it heirs, assigns, and successors, is a mortgage lender doing

business in Texas and may be served with a citation directed to said party at the following



address::100 North Taylor Street, Charlotte, NC 28255.



10. Bayview Mortgage, Inc., it heirs, assigns, and successors, is a mortgage lender



doing business in Texas and may be served with a citation directed to said party at the following



address: 923 15th NW, Washington, DC 20005.



11. Chase Home Finance, LLC., it heirs, assigns, and successors, is a mortgage



lender doing business in Texas and may be served with a citation directed to said party at the



following address: 3415 Vision Drive, Columbus, Ohio 43219.



12. Citimortgage, Inc. , it heirs, assigns, and successors, is a mortgage lender doing



business in Texas and may be served with a citation directed to said party at the following



address: 15851 Clayton Road, Baldwin, MO 63011-2211



13. Countrywide Home Loan, it heirs, assigns, and successors, is a mortgage lender



doing business in Texas and may be served with a citation directed to said party at the following

address: 5220 Las Virgenes Road, Calabasas, and CA. 91302-1064.



14. EverHome Mortgage Company, it heirs, assigns, and successors, is a successor



mortgage lender for one or more of mortgage loans obtained from NetBank and isdoing business



in Texas and may be served with a citation directed to said party at the following address: 8100



Nations Way, Jacksonville, FL 32256.



15. First Horizon Loan Corporation, it heirs, assigns, and successors, is a mortgage



lender doing business in Texas and may be served with a citation directed to said party at the



Seventeenth Amended Original Petition

Emerson Homebuyers Association, et al v. Raybon Entities Manufactured Homes, et al

Page 8 of 49

following address: 629 W. Centerville Rd., Garland, TX 75041. Service of said defendants can



be effected at the above address.



16. First Magnus Financial Corporation, it heirs, assigns, and successors, is a



mortgage lender doing business in Texas and may be served with a citation directed to said party

at the following address: 7000 Mopac # 100, Austin, TX 78731.



17. First National Acceptance Company, it heirs, assigns, and successors, of North



America is a mortgage lender doing business in Texas and may be served with a citation directed



to said party at the following address: 435 East Grand River, East Lansing 2089, MI 48826



18. Flagstar Bancorp, Inc., it heirs, assigns, and successors, is a mortgage lender



doing business in Texas and may be served with a citation directed to said party at the following



address: 5151 Corporate Drive, Troy, MI 48098



19. First National Security Corporation, it heirs, assigns, and successors, is a



mortgage lender doing business in Texas and may be served with a citation directed to said party



at the following address: 1770 St. James Pl., Houston, TX 77056.10



20. GMAC Mortgage, it heirs, assigns, and successors, is a mortgage lender doing



business in Texas and may be served with a citation directed to said party at the following



address: 34551 Hammond Avenue, Waterloo, IA 50702

21. Greenpoint Mortgage Funding, Inc. , it heirs, assigns, and successors, is a



mortgage lender doing business in Texas and may be served with a citation directed to said party



at the following address: 777 Post Oak Blvd, Houston TX 77056



22. Homeside Lending, Inc. , it heirs, assigns, and successors, is a mortgage lender



10

Holder in Due Course First National Security Corporation appears to have ceased doing

business and upon confirmation the Plaintiffs intend to seek leave of the Court to either add

natural person, whom can be shown to be responsible for the acts performed in the Corporation’s

name or move to dismiss this defendant.



Seventeenth Amended Original Petition

Emerson Homebuyers Association, et al v. Raybon Entities Manufactured Homes, et al

Page 9 of 49

doing business in Texas and may be served with a citation directed to said party at the following



address:7301 Baymeadows Way, Jacksonville, FL 32256



23. Irwin Mortgage Corporation, it heirs, assigns, and successors, is a mortgage



lender doing business in Texas and may be served with a citation directed to said party at the

following address: 10500 Kincaid Drive, Fishers, IN 46037-979



24. Island Mortgage Network, Inc., it heirs, assigns, and successors, is a mortgage



lender doing business in Texas and may be served with a citation directed to said party at the



following address: 520 Broadhollow Road, Melville, NY. 11747.



25. James B. Nutter & Co. , it heirs, assigns, and successors, is a mortgage lender



doing business in Texas and may be served with a citation directed to said party at the following



address: 413 Broadway, Kansas City, MO 64111



26. Judith O. Smith Mortgage Group, Inc., it heirs, assigns, and successors, is a



mortgage lender doing business in Texas and may be served with a citation directed to said party



at the following address: 6125 Interstate 20, Suite 140, Ft. Worth, TX 76132



27. Matrix Financial Services Corporation, it heirs, assigns, and successors, is a



mortgage lender doing business in Texas and may be served with a citation directed to said party



at the following address: 2133 W. Peoria, Phoenix, AZ 85029.



28. MidFirst Mortgage, it heirs, assigns, and successors, is a mortgage lender doing



business in Texas and may be served with a citation directed to said party at the following



address: MidFirst Plaza, 501 N.W. Grand Boulevard, Oklahoma City, OK 73118-6054



29. MIT Lending, it heirs, assigns, and successors, is a mortgage lender doing



business in Texas and may be served with a citation directed to said party at the following



address: 7600 Tidwell Rd., Houston, TX 77040. Service of said defendants can be effected at



the above address.



Seventeenth Amended Original Petition

Emerson Homebuyers Association, et al v. Raybon Entities Manufactured Homes, et al

Page 10 of 49

30. Mortgage Edge Corporation, it heirs, assigns, and successors, is a mortgage



lender doing business in Texas and may be served with a citation directed to said party at the



following address: 3747 Church Road, Mt. Laurel, NJ 08054.



31. NetBank11 , it heirs, assigns, and successors, is a mortgage lender doing business

in Texas and is currently in receivership. Net Bank may be served with a citation directed to



Federal Deposit Insurance Corporation Receiver: NetBank, Attention: Claims Department, DRR,



1601 Bryan Street, Dallas, Texas 75201



32. New Freedom Mortgage Corporation, it heirs, assigns, and successors, is a



mortgage lender doing business in Texas and may be served with a citation directed to said party



at the following address: 2363 South Foothill Drive, Salt Lake City, UT 84109



33. Principal Residential Mortgage, Inc., it heirs, assigns, and successors, is a



mortgage lender doing business in Texas and may be served with a citation directed to said party



at the following address: 711 High Street, Des Moines, IA 50392.



34. Source Financial Mortgage, it heirs, assigns, and successors, is a mortgage lender



doing business in Texas and may be served with a citation directed to said party at the following



address: Camano Island, WA 98282



35. US Bank Home Mortgage, Inc. , it heirs, assigns, and successors, is a mortgage



lender doing business in Texas and may be served with a citation directed to said party at the



following address: 17500 Rockside Road, Bedford, OH 44146



36. Synergy Mortgage Solutions , it heirs, assigns, and successors, is a mortgage



lender doing business in Texas and may be served with a citation directed to said party at the



following address: 249 E. Ocean Blvd. Suite 1010, Long Beach, CA 90802





11

Holder in Due Course Net Bank has been placed in Receivership in September, 2007.



Seventeenth Amended Original Petition

Emerson Homebuyers Association, et al v. Raybon Entities Manufactured Homes, et al

Page 11 of 49

37. Washington Mutual Home Loan, it heirs, assigns, and successors, is a mortgage



lender doing business in Texas and may be served with a citation directed to said party at the



following address: 1201 3rd Avenue, Seattle, WA. 98101..

38. Wells Fargo Home Mortgage, Inc., it heirs, assigns, and successors, is a mortgage



lender doing business in Texas and may be served with a citation directed to said party at the



following address: MAC X2401-04G 1 Home Campus, Des Moines, IA 50328-0001.



39. All other defendants previously named in this cause are out of business, not to be



found, filed for bankruptcy protection, have settled with Plaintiff Consumers, or are entities that



the Plaintiff Consumers decline to further prosecute at this time and have been dismissed or



nonsuited.12



JURISDICTION AND VENUE





40. The subject matter in controversy is within the jurisdictional limits of this court.



41. This court has jurisdiction over the Defendants named herein because said



Defendants are either residents of the State of Texas or because said Defendants purposefully



availed themselves of the privilege of conducting activities in the State of Texas, established



minimum contacts sufficient to confer jurisdiction over said Defendants, and the assumption of

jurisdiction over said Defendants will not offend traditional notions of fair play and substantial



justice and is consistent with the constitutional requirements of due process, because said



Defendants had continuous and systematic contacts with the State of Texas sufficient to establish



general jurisdiction over said Defendants.



12

In previous amendments, the Plaintiff Consumers had named as defendants individuals and

entities that were participants in the sales transactions that served as land sellers, mortgage

brokers, appraisers, insurance agents, and closing title companies.



Seventeenth Amended Original Petition

Emerson Homebuyers Association, et al v. Raybon Entities Manufactured Homes, et al

Page 12 of 49

42. Venue in MONTGOMERY County is proper in this cause pursuant to Section



17.56 of the Texas Business and Commerce Code and under Section 15.002(a)(1) of the Texas



Civil Practice and Remedies Code because all or a substantial part of the events or omissions



giving rise to this lawsuit occurred in this county.



FACTS

43. The Plaintiff Consumers are individuals, who purchased homes from one of



several Developer/Seller owned or controlled sales entities that is headquartered in Montgomery



County, Texas, who have sold manufactured home land/home packages primarily in



Montgomery County but also in surrounding counties.



44. The Developer/Sellers’ sales staff held themselves out to be a "one-stop"



organization, whereby the sale staff would take information for a credit application, fill out all



the paperwork, and arrange for all the outside services required to qualify for a mortgage, such



services to include mortgage brokerage, appraisals, hazard insurance coverage, inspections,



surveys, title searches, and closing title companies on behalf of the customers.



45. The Plaintiffs assert that the Defendant Developer/Sellers marketed a $25,000 to



$30,000 manufactured home together with $10,000 to $15,000.00 land parcels for sums, on the



average, bordering on $100,000.00, that had, on the average, a fair market value of



approximately $40,000.00.



46. The Plaintiffs assert that the excessively charged closing costs, paid to solicited



mortgage brokers, insurance agents, appraisers, surveyors, and title companies, averaged about



10.0% (or about $10,000.00), such closing costs being added into the mortgage loan amount.



47. The Plaintiffs assert that the Developer/Sellers solicited the services of mortgage



brokers and intentionally provided inflated manufactured home market information, assisted in



distorting potential buyer financial information and other material information in order to qualify



Seventeenth Amended Original Petition

Emerson Homebuyers Association, et al v. Raybon Entities Manufactured Homes, et al

Page 13 of 49

otherwise marginally qualified and even unqualified buyers.



48. The Plaintiffs assert that the Developer/Sellers intentionally solicited excessive



hazard insurance coverage for the manufactured home land/home packages the subject of this



suit, either directly or through the solicited mortgage brokers, for the purpose of substantiating

artificially bloated and non-existent manufactured home land/home package values.



49. The Developer/Seller Defendants would market, advertise and attract potential



buyers through daily and weekly newspaper advertisements, roadside signs, roadside displays,



banners at their sales locations, and on the Internet. These newspaper advertisements would use



a variety of catch phrases, such as for sale by owner, take over payments, rent to own, close out



sale, government financing available, no one refused, banker is brain dead, and promising terms



of either no money down or $500.00 down and payments of $500.00 per month or less.



50. The Plaintiff would show that the Developer/Sellers contracted the installation of



the manufactured homes to the Defendant Contactors who failed to install the manufactured



home in accordance with Texas Law.



51. The Plaintiff Consumers assert that the Contractor Defendants filed a fraudulent



Notice of Installation (Form T) with the Texas Department of Community Affairs –



Manufactured Housing Division warranting that the installation met the installation requirements



of Texas Law.



52. The Plaintiff Consumers assert that the installation does not meet the



requirements of Texas Law and were void ab initio.



53. The Plaintiff Consumers would show that the Contractor Defendants breached



their duties of care, the Plaintiff Consumers were injured, and these breaches proximately caused



such injury to the Plaintiff Consumers.







Seventeenth Amended Original Petition

Emerson Homebuyers Association, et al v. Raybon Entities Manufactured Homes, et al

Page 14 of 49

DECEPTIVE TRADE PRACTICES

54. The Plaintiff Consumers incorporate by reference paragraphs 1 through 53, as



though they were quoted here verbatim.



55. Plaintiff Consumers would show that installing Contractors Defendants as alleged

herein, engaged in certain false, misleading, and deceptive acts, practices and/or omissions



actionable under the Texas Deceptive Trade Practices - Consumer Protection Act (Texas



Business and Commerce Code, Chapter 17.41, et seq.), as alleged herein.



DTPA Parties to the Transaction



56. The Plaintiff Consumers would show that the Installer Defendants



misrepresented the installation and existence of a foundation recognized under Texas law for the



manufactured home land/home packages.





57. The Plaintiff Consumers allege that the Installer Defendants are proper parties



under the DTPA.



58. The Plaintiff Consumers allege that the Installer Defendants are, not only



necessary participants in the subject transactions, but are also the beneficiaries of the “fruits” of



the transactions between the developer/sellers and the homebuyer Plaintiff Consumers that



resulted in long term mortgage loan agreements to finance such purchases.



59. The Plaintiff Consumers allege the Installer Defendants furthered the



misrepresentations by filing fraudulent Notices of Installation (TDCA-MHD Form T) to TDCA-



MHD that permitted the wrongful perfection of the election to treat the manufactured home as



real property.



60. The Plaintiff Consumers allege that the Installer Defendants are proper parties to







Seventeenth Amended Original Petition

Emerson Homebuyers Association, et al v. Raybon Entities Manufactured Homes, et al

Page 15 of 49

the transaction under the DTPA.



61. The Plaintiff Consumers allege that the negligent misrepresentations made to the



TDCA-MHA produced cause, resulting in injury. The Plaintiff Consumers allege the injury is



recoverable under the DTPA.

62. Producing Cause. Plaintiff Consumers would show that the acts, practices, and/or



omissions complained of were the producing cause of Plaintiff Consumers' injuries, more fully



described herein.



63. Reliance. Plaintiff Consumers would further show the acts, practices and/or



omissions complained of under Section 17.46(b) of the Texas Business and Commerce Code



were relied upon by Plaintiff Consumers to Plaintiff Consumers' detriment.



64. The Plaintiff Consumers assert that the deceptive acts of the Installer Defendants



were knowing and intentional.



ENFORCEABILITY



65. The Plaintiffs Consumers adopt and incorporate all prior paragraphs of this



Pleading as though they were quoted verbatim.



Certificates of Attachment are Void Ab Initio



66. Texas law provides that a manufactured home is personal property, Tex.Prop.



§2.001(a), unless the owner elects to treat the manufactured home as real property under



Tex.Occ. §1201.207. Tex.Prop. §2.001(b),



67. Tex.Occ 1201.222 mandates the conditions that must be fulfilled in order for the



election to treat a manufactured home as real property in order to be perfected under



Tex.Occ.§1201.207.





Seventeenth Amended Original Petition

Emerson Homebuyers Association, et al v. Raybon Entities Manufactured Homes, et al

Page 16 of 49

68. The Texas Administrative Code Title 10, Chapter 80.119 (a) mandates the



installer to warrant that the manufactured home was installed properly. Further, the installer



must submit a Notice of Installation (Form T) within 15 days of the installation. 10 TAC



80.119(d). The completed Form T may not be filed with the application with to treat the



manufactured home as real property filed by the owner of the manufactured home. 10 TAC



80.119(e).



69. Tex.Occ.§1201.222 in its pertinent parts requires that the “[i]nstallation of a



manufactured home considered to be real property under this chapter must occur in a manner that



satisfies the lending requirements of HUD, Fannie Mae, or Freddie Mac for long-term mortgage



loans or for FHA insurance.” Tex.Occ §1201.222(c).



70. The Plaintiffs assert that the installers filed fraudulent Notices of Installation



(Form T,) made under oath, with the Texas Department of Housing and Community Affairs –



Manufactured Housing Division.



71. The Plaintiffs assert that the “Form T” fraudulently asserted that the foundation



met the requirements of Tex.Occ.§1201.222(c) for the purpose of fraudulently obtaining



Certificates of Attachment,13without which long term mortgage loans would not qualify for



HUD, Freddie Mac, or Fannie Mae long term mortgage financing and/or would not qualify for



FHA long term mortgage insurance coverage.



72. The Plaintiffs assert the installations of the manufactured homes did not, and still





13

As of September 1, 2003 the Certificate of Attachment was replaced by the term Statement of

Ownership and Location (SOL,) by way of a regulatory revision.



Seventeenth Amended Original Petition

Emerson Homebuyers Association, et al v. Raybon Entities Manufactured Homes, et al

Page 17 of 49

do not, conform to the lending requirements of HUD, Freddie Mac, or Fannie Mae and do not



conform to the FHA long term lending insurance requirements as required to qualify for the



election of real property under Tex.Occ §1201.222(c).



73. The Plaintiffs assert that Certificates of Attachment are void ab initio.



74. The Plaintiffs assert that the manufactured home title was improperly cancelled



and the issuance of Certificate of Attachment is contrary to Texas Law.



75. The Plaintiffs assert that a void Certificate of Attachment constitutes fraud in the



factum and any and all transactional agreements and negotiable instruments that are based, in



whole or in part, to include but not limited to loan notes and deeds of trust, are unenforceable as



a matter of law.



Mutual Mistake



76. The Plaintiff Consumers incorporate by reference paragraphs 1 through 75, as



though they were quoted here verbatim.



77. Plaintiffs assert that the loan notes and deeds of trust are negotiable instruments



as defined under the Texas Business and Commerce Code, Section 3.104.



78. In the alternative, the Plaintiffs assert they entered into what they and the



mortgage lenders believed to be enforceable and unambiguous contracts and negotiable



instruments with mortgage lenders, the collateralization of which was the real property and



permanent improvements thereto, as indicated by the undeserved perfection of the an election to



treat the improperly installed manufactured home, wrongly issued by the TDCA-MHD.



79. Texas recognizes mutual mistake as a valid defense to avoid performance in a



Seventeenth Amended Original Petition

Emerson Homebuyers Association, et al v. Raybon Entities Manufactured Homes, et al

Page 18 of 49

contract. de Monet v. PERA, 877 S.W.2d 352 (Tex.App. - Dallas 1994, no. writ). “A party



seeking to avoid a contract on the grounds of mutual mistake must show (1) a mistake of fact, (2)



held mutually by the parties, (3) which materially affects the agreed-upon exchange.” Id. at 357.



80. The Plaintiffs assert that reliance on a fraudulent Certificate of Attachment that



improperly re-characterizes the manufactured home as real property constitutes a mistake of fact.



81. The Plaintiffs assert that the mistake of fact was mutually held by the parties.



82. The Plaintiffs assert the mistake of fact materially affects the agreed upon



exchange.



83. The Plaintiffs assert that the mutual mistake thwarts enforcement of any resulting



formation of contracts and negotiable instruments.



84. The Plaintiffs assert the contracts and negotiable instruments are unenforceable



by way of mutual mistake.



Wrongful Foreclosure



85. The Plaintiff Consumers incorporate by reference paragraphs 1 through 84, as



though they were quoted here verbatim.



86. The Plaintiffs assert that the manufactured homes are personal property. 14



87. The Plaintiffs assert the foreclosure of the contracts and negotiable instruments



are wrongful and the foreclosures should be rescinded and removed from any negative credit



reporting.





14

The Texas Uniform Commercial Code defines an unattached manufactured home as a “good,”

that is personal property. Tex. UCC 9.102 (44)(v)



Seventeenth Amended Original Petition

Emerson Homebuyers Association, et al v. Raybon Entities Manufactured Homes, et al

Page 19 of 49

Wrongful Eviction



88. The Plaintiff Consumers incorporate by reference paragraphs 1 through 87, as



though they were quoted here verbatim.The Plaintiffs assert that manufactured home, as personal



property, was not a permanent improvement to the land.



89. The Plaintiff assert that no liens were recorded with the Texas Department of



Housing and Community Affairs against the manufactured home, as required under Tex.Occ.



§1201.2055 (c), and any alleged liens filed in any other location or with any other governmental



agency are invalid and not enforceable so as to not entitle the lender/presumptive lienholder to



take possession of the manufactured home.



90. The Plaintiffs assert that title to the manufactured home remains vested in the



Plaintiffs.



91. The Plaintiffs assert that eviction from the Plaintiffs’ personal property was



wrongful and such evictions should be rescinded and any negative credit reporting should be



removed against the Plaintiffs.



Conversion



92. The Plaintiff Consumers incorporate by reference paragraphs 1 through 91, as



though they were quoted here verbatim.



93. The Plaintiffs assert that the taking and sale of the manufactured home to third



parties constitutes conversion of the Plaintiffs’ personal property and is wrongful.



94. The Plaintiffs assert that the improperly foreclosed manufactured homes were



sold by the lenders to bona fide third-party purchasers and are not recoverable.



Seventeenth Amended Original Petition

Emerson Homebuyers Association, et al v. Raybon Entities Manufactured Homes, et al

Page 20 of 49

95. The Plaintiffs assert that they are entitled to recovery of the cost value of the



manufactured home.



Holder in Due Course





96. The Plaintiff Consumers incorporate by reference paragraphs 1 through 95, as



though they were quoted here verbatim.





97. The Plaintiffs assert that enforcement of the negotiable instruments was pursued



by “Holders in Due Course”,15 who had not dealt with the parties to the financing instruments.



98. The Plaintiffs assert that holders in due course are subject to the defenses of



performance by the Plaintiffs on the grounds of fraud in the factum, fraudulent inducement, and



mutual mistake. Texas Business & Commerce Code, Section 3.302.



99. The Plaintiffs request that any prior negative credit reporting made by the



Defendants and/or by third parties be caused to be removed from the Plaintiffs credit, such



negative reporting includes, but not limited to, late payment, non payment, loan note



acceleration, and loan foreclosure,



100. The Plaintiffs request recovery of damages from the wrongful sale of and eviction



from their personal property.





COMMON LAW FRAUD

101. The Plaintiff Consumers incorporate by reference paragraphs 1 through 100, as





15

Holders in Due Course are individuals or entities to which interest in an instrument have been

transferred, as defined under U.C.C. § 3-302.



Seventeenth Amended Original Petition

Emerson Homebuyers Association, et al v. Raybon Entities Manufactured Homes, et al

Page 21 of 49

though they were quoted here verbatim.



102. Pleading in the alternative, The Plaintiff Consumers would show that Contractor



Defendants, as alleged herein, made material false representations to Plaintiffs, the State of



Texas, and the long term mortgage lenders with the knowledge of their falsity or with reckless

disregard of the truth with the intention that such representations be acted upon by Plaintiffs, the



State of Texas, and the long term mortgage lenders, and that Plaintiffs, the State of Texas, and



the long term mortgage lenders relied on these representations to their detriment.



103. Pleading in the alternative, Plaintiffs would further show that Contractor



Defendants, as alleged herein, concealed or failed to disclose material facts within the



knowledge of Contractors, and said Contractors knew that Plaintiff Consumers, the State of



Texas, and the long term mortgage lenders did not have knowledge of the same and did not have



equal opportunity to discover the truth, and that Contractor Defendants as alleged herein,



intended to induce Plaintiff Consumers and the long term mortgage lenders to enter into the



transaction made the basis of this suit by such concealment or failure to disclose.



104. As a proximate result of such fraud, Plaintiffs sustained significant damages that



are within the jurisdiction of this Court.



FRAUD IN REAL ESTATE TRANSACTIONS



105. The Plaintiff Consumers incorporate by reference paragraphs 1 through 104, as



though they were quoted here verbatim.



106. Pleading in the alternative, the Plaintiff Consumers would show that the



Contractor Defendants, as alleged herein, committed fraud under Chapter 27.01 of the Texas



Business and Commerce Code, Fraud in Real Estate or Stock Transactions, in that the Contractor







Seventeenth Amended Original Petition

Emerson Homebuyers Association, et al v. Raybon Entities Manufactured Homes, et al

Page 22 of 49

Defendants, as alleged herein, made false representations of past and existing material facts



concerning the purchase of the land/home packages for the purpose of inducing the Plaintiffs and



long term mortgage lenders to enter into long term mortgage transactions and contracts. The



Plaintiffs, the State of Texas, long term mortgage lenders relied on the Defendants’ false



representations, as alleged herein, of past and existing material facts concerning the purchase of



the land/home packages in entering such purchase contracts and suffered significant financial



damages in an amount within the jurisdiction of this Court.



UNJUST ENRICHMENT



107. The Plaintiff Consumers incorporate by reference paragraphs 1 through 106, as



though they were quoted here verbatim.



108. The Plaintiff Consumers would show that the Contractor Defendants were paid



out of proceeds at the closing of the sale and/or mortgage loan closing.





109. The Plaintiff Consumers would show that the Installer Defendants were unjustly



enriched by the amount of the cost of the use of an unapproved an inadequate foundation



consisting of stacked piers on concrete footers instead of the approved foundation consisting of



mortared stacked piers on full length, poured concrete beam, also called “runners”.



BREACH OF CONTRACT

110. The Plaintiff Consumers incorporate by reference paragraphs 1 through 109, as



though they were quoted here verbatim.



111. The Plaintiff Consumers assert that ABN AMRO Mortgage Group, Inc. (herein



after ABN AMRO) entered into an unambiguous, enforceable contract with the relevant Plaintiff



Consumers and their Attorney of Record, whereby ABN AMRO offered every manufactured



Seventeenth Amended Original Petition

Emerson Homebuyers Association, et al v. Raybon Entities Manufactured Homes, et al

Page 23 of 49

home buyer whose mortgage lender was ABN AMRO and whose mortgage loan closed at Old



Republic Title Company, that relevant twenty-eight (28) Plaintiff Consumer had the option to



modify or rescind their mortgage loan. AMRO AMRO Mortgage Group, Inc. breached that



contract and failed to honor the agreement and the relevant Plaintiff Consumers were damaged

thereby.



112. The agreement also specified that ABN AMRO would pay the Plaintiff



Consumers’ Attorney of Record the amount of a sum certain for each represented Plaintiff



Consumer. ABN AMRO’s failure to honor its agreement for those twenty-eight (29) relevant



Consumer Plaintiffs caused injury and Plaintiff Consumers’ attorney was damaged.



Conditions Precedent

113. The Plaintiff Consumers assert that all conditions precedent have been met. All



DTPA Defendants have received such notice and the sixty-day period has run.



CAUSE OF ACTION PLEADING BY DEFENDANT



114. Installing Contractors. The Plaintiff Consumers, as herein below identified,



assert Violations of the Texas Deceptive Trade Practices Act ,Negligence, Common Law



Fraud, Fraud in a Real Estate Transaction, and Breach of Contract, against the following



a. D.E.R. GROUP, LLC; D.E.R. TRANSPORTATION MANAGEMENT; LLC;

R.E.D. TRANSPORTATION, L.P.; and MICHAEL DAVIS



All of the 331 Plaintiff Consumers, identified below, in paragraph 110, are

hereby incorporated as though they were quoted here verbatim.





115. ABN AMRO Mortgage Group, Inc. The Plaintiff Consumers as herein below



identified assert Breach of Contract, as to the following that closed at Old Republic Title



Company:





Seventeenth Amended Original Petition

Emerson Homebuyers Association, et al v. Raybon Entities Manufactured Homes, et al

Page 24 of 49

ABN AMRO Mortgage Group, Inc.



1. 754 Brown, Michael 19315 Timberland Blvd, Purchase 617024461

Porter, Texas 77365

2. 758 Clifton, Michael 16438 Brittany Way, Purchase 617817368

Conroe, Texas 77306

3. 762 Cryer, Kaleb 27012 Pecos Ranch Drive, Refinance 622804272

Magnolia, Texas 77355

4. 115 Dana, Debra 16397 Crockett Crossing, Refinance 618058909

Conroe, Texas 77303

5. 119 Davis, Alisha 187 Carmen Blvd, Refinance 621110749

Conroe, Texas 77306

6. 621 Gonzales, 810 Palmdale Street, Refinance 622832551

Margarita Montgomery, Texas 77316

7. 193 Gross, Jayme 9607 Maple Ridge Drive, Refinance 616671851

Willis, Texas 77318

8. 202 Hamilton, Linda 16447 Brittany Way, Refinance 616793938

Conroe, Texas 77306

9. 293 Knappenberger, 16382 Crockett Crossing, Refinance 621097081

Gwendolyn Conroe, Texas 77303

10. 314 Longoria, Shirley 16435 Emerson Circle, Refinance 617217794

Conroe, Texas 77306

11. 325 Maldonado, 89 Woodfarm Road , Refinance 621368660

Roberto Huntsville, Texas 77320

12. 620 Melchor, Jeremy 26406 Country Woods Trail, Refinance 621143338

Magnolia, Texas 77355

13. 401 Obalek, Robert 26202 Country Ridge, Refinance 623918191

Magnolia, Texas 77355

14. 707 Pidgeon, Tom 26314 Country Hollow, Refinance 623544703

Magnolia, Texas 77355

15. 808 Popp, Michael 158 Orion Lane, Refinance 619673699

Conroe, Texas 77306

16. 715 Rodish, Steven 16331 Crockett Crossing, Refinance 627624856

Conroe, Texas 77303

17. 503 Smith, Michael 16455 Emerson Circle, Refinance 616627322

Conroe, Texas 77306

18. 645 Stevens, Melody 16318 Crockett Bend Drive, Purchase 624540994

Conroe, Texas 77303



19. 26 Barger, William 11696 Old Oak Trail West, Refinance 617818234

Willis, Texas 77378

20. 272 Jones, Harry 151 Orion Lane, Refinance 620192757

Conroe, Texas 77306









Seventeenth Amended Original Petition

Emerson Homebuyers Association, et al v. Raybon Entities Manufactured Homes, et al

Page 25 of 49

21. 321 Lunsford, David 13041 Oak Manor Court, Refinance 617205277

Willis, Texas 77318

22. 770 Luthi, Edward 95 CR 2800, Refinance 615363286

Cleveland, Texas 77327

23. 380 Morales, Sara 167 Orion Lane, Refinance 619546080

Conroe, Texas 77306

24. 785 Pahl, Raymond 194 Carmen Blvd, Refinance 622018383

Conroe, Texas 77306

25. 465 Ruiz, Primtivo 16455 Brittany Way, Purchase 618092293

Conroe, Texas 77306 Conventional

Uninsured

26. 470 Sanchez, 16501 Emerson Circle, Refinance 617024791

Abraham Conroe, Texas 77306

27. 525 Sykes, Brett 186 Carmen Blvd, Refinance 621325862

Conroe, Texas 77306

28. 541 Truster, Tarylon 154 Carmen Blvd, Refinance 621371084

Conroe, Texas 77306

29. 3003 Prescott, Tracy 19158 Ranch Crest Drive Refinance

Magnolia, Texas 77355





116. Holders in Due Course. The Plaintiff Consumers, as herein below identified,



assert Affirmative Defense of Fraud in the Factum, Affirmative Defense of Mutual Mistake,



Wrongful Foreclosure, Wrongful Eviction, Conversion, and Damage to Credit, against the



following



1. ABN AMRO Mortgage Group, Inc.



1. 32 Barrios, Janie 109 Ashley Lane, Refinance 619055305

Huntsville, Texas 77340

2. 754 Brown, Michael 19315 Timberland Blvd, Purchase 617024461

Porter, Texas 77365

3. 758 Clifton, Michael 16438 Brittany Way, Purchase 617817368

Conroe, Texas 77306

4. 762 Cryer, Kaleb 27012 Pecos Ranch Drive, Refinance 622804272

Magnolia, Texas 77355

5. 115 Dana, Debra 16397 Crockett Crossing, Refinance 618058909

Conroe, Texas 77303

6. 117 Daniel, Mark 26126 Country Woods Trail, Purchase 621761246

Magnolia, Texas 77355 Conventional

Uninsured





Seventeenth Amended Original Petition

Emerson Homebuyers Association, et al v. Raybon Entities Manufactured Homes, et al

Page 26 of 49

7. 119 Davis, Alisha 187 Carmen Blvd, Refinance 621110749

Conroe, Texas 77306

8. 764 Eastes, Hassie 446 Ryan's Ferry Road, Purchase 0 624256923

Huntsville, Texas 77340

9. 2021 Fenner, Paul 22622 Susana Lane, Purchase 626811098

Spring, Texas 77389

10. 610 Fleig, Mary 16314 Lone Star Ranch Purchase - FHA 616248744

Drive, Conroe, Texas 77302 493-6538358

11. 175 Gilliam, Patricia 5419 Jimbo Lane, Refinance 621403710

Spring, Texas 77389

12. 621 Gonzales, 810 Palmdale Street, Refinance 622832551

Margarita Montgomery, Texas 77316

13. 184 Granville, Selester 109 Ashley Lane, Refinance 622262302

Huntsville, Texas 77340

14. 193 Gross, Jayme 9607 Maple Ridge Drive, Refinance 616671851

Willis, Texas 77318

15. 196 Gunter, Charles 11720 Oak Moss , Refinance 622212050

Willis, Texas 77378

16. 678 Hahn, Arthur 16212 Lone Star Ranch Purchase 619946068

Drive, Conroe, Texas 77302 Conventional

Insured

17. 202 Hamilton, Linda 16447 Brittany Way, Refinance 616793938

Conroe, Texas 77306

18. 603 Harris, Jeffrey 101 Earl Road, Refinance 622880889

Huntsville, Texas 77340

19. 246 Howard, Tad 49 Erin Drive, Refinance 618236904

Huntsville, Texas 77340

20. 270 Johnson, Tommy 107 Ashley Lane, Refinance 622239233

Huntsville, Texas 77327

21. 273 Jones, Marcus 16454 Hill Country Drive, Purchase 615575910

Conroe, Texas 77302 Conventional

Uninsured

22. 274 Jones, Martin 26202 Country Woods Trail, Refinance 621238296

Magnolia, Texas 77355

23. 293 Knappenberger, 16382 Crockett Crossing, Refinance 621097081

Gwendolyn Conroe, Texas 77303

24. 314 Longoria, Shirley 16435 Emerson Circle, Refinance 617217794

Conroe, Texas 77306

25. 319 Lugo, Guadalupe 110 Ashley Lane, Purchase - FHA 626483455

Huntsville, Texas 77320 493-7207637-796

26. 325 McDaniel James 131 Horseshoe Lane, Refinance 621368660

Huntsville, Texas 77340

27. 346 McDaniel , John 131 Horseshoe Lane , Refinance 618233514

Huntsville, Texas 77340







Seventeenth Amended Original Petition

Emerson Homebuyers Association, et al v. Raybon Entities Manufactured Homes, et al

Page 27 of 49

28. 620 Melchor, Jeremy 26406 Country Woods Trail, Refinance 621143338

Magnolia, Texas 77355

29. 397 Nixon, Michael 29 Holiday Village, Refinance 618576074

Pointblank, Texas 77365

30. 401 Obalek, Robert 26202 Country Ridge, Refinance 623918191

Magnolia, Texas 77355

31. 707 Pidgeon, Tom 26314 Country Hollow, Refinance 623544703

Magnolia, Texas 77355

32. 808 Popp, Michael 158 Orion Lane, Refinance 619673699

Conroe, Texas 77306

33. 435 Randle, Pearla 860 Woodfarm Road , Refinance 621076042

Huntsville, Texas 77340

34. 612 Richard , Stacey 16273 Wild Oak Lane, Purchase - FHA 621124404

Conroe, Texas 77302 493-7074051-703

35. 715 Rodish, Steven 16331 Crockett Crossing, Refinance 627624856

Conroe, Texas 77303

36. 503 Smith, Michael 16455 Emerson Circle, Refinance 616627322

Conroe, Texas 77306

37. 645 Stevens, Melody 16318 Crockett Bend Drive, Purchase 624540994

Conroe, Texas 77303

38. 749 Wiens-Shurley, 16256 Wrangler Avenue, Purchase

Nelda Conroe, Texas 77302



39. 26 Barger, William 11696 Old Oak Trail West, Refinance 617818234

Willis, Texas 77378

40. 272 Jones, Harry 151 Orion Lane, Refinance 620192757

Conroe, Texas 77306

41. 321 Lunsford, David 13041 Oak Manor Court, Refinance 617205277

Willis, Texas 77318

42. 770 Luthi, Edward 95 CR 2800, Refinance 615363286

Cleveland, Texas 77327

43. 380 Morales, Sara 167 Orion Lane, Refinance 619546080

Conroe, Texas 77306

44. 785 Pahl, Raymond 194 Carmen Blvd, Refinance 622018383

Conroe, Texas 77306

45. 465 Ruiz, Primtivo 16455 Brittany Way, Purchase 618092293

Conroe, Texas 77306 Conventional

Uninsured

46. 470 Sanchez, 16501 Emerson Circle, Refinance 617024791

Abraham Conroe, Texas 77306

47. 525 Sykes, Brett 186 Carmen Blvd, Refinance 621325862

Conroe, Texas 77306

48. 541 Truster, Tarylon 154 Carmen Blvd, Refinance 621371084

Conroe, Texas 77306







Seventeenth Amended Original Petition

Emerson Homebuyers Association, et al v. Raybon Entities Manufactured Homes, et al

Page 28 of 49

2. American Home Loan

1. 376 Moore, Elizabeth 16426 Trenda Court, Conroe, Purchase - FHA 203924029

Texas 77306 493-7654907-703



3. Bank of American

1. 91 Clark, John 16534 Leafy Meadow Drive, Purchase - FHA

Conroe, Texas 77302 493-6673889-796

2. 221 Henry, Sharon 4492 Grand Oaks Drive, Refinance

Willis, Texas 77318 Conventional

Uninsured 6281688462

3. 280 Kancilja, Gregory 16517 Leafy Meadow Drive, Purchase - FHA 30063440/28

Conroe, Texas 77302 493-6691751-703 759280

4. 326 Malik, Dawn 16522 Leafy Meadow Drive, Purchase - FHA 3006274-

Conroe, Texas 77302 493-6652242-729 28807253

5. 404 Ortega, Jose 16350 Lone Star Ranch Purchase - FHA

Drive, Conroe, Texas 77302 493-6586006-703

6. 452 Robinson, James 16538 Leafy Meadow Drive, Purchase - FHA 3006105/286

Conroe, Texas 77302 493-6664683-703 55579

7. 601 Deming, Kenny 16309 Lone Star Ranch Purchase

Drive, Conroe, Texas 77302 Conventional

Insured 6373978888

8. 747 Stone, Louis 16088 Nikita Circle, Purchase - FHA

Conroe, Texas 77302 493-6649821-703 3005955





4. Bayview

1. 802 Tamlin, Jason 122 Carmen Blvd, Purchase - FHA

Conroe, Texas 77306 493-7870670-796







5. Chase Home Finance

1. 12 Anderson , James 142 Carmen Blvd, Purchase - FHA

1928174663

Conroe, Texas 77306 493-7326491

2. 2034 Ballengee, 7010 Forest Meadow, Purchase - FHA

Raymond Magnolia, Texas 77354 493-7356543-796

3. 763 Dewees, Edgar 16207 Kelcey Circle, Purchase - FHA

1928260380

Magnolia, Texas 77355 493-746774-703

4. 206 Harding, Rex 16489 Hill Country Drive, Purchase - FHA

27086396

Conroe, Texas 77302 493-6872891-796





Seventeenth Amended Original Petition

Emerson Homebuyers Association, et al v. Raybon Entities Manufactured Homes, et al

Page 29 of 49

5. 2035 Inferrera, Ron 16539 Bunny Hill Court, Purchased

Conroe, Texas 77302 Conventional 1522097223

Insured

6. 263 Jankovic, Scott 16172 Western Echo, Purchase - FHA 3006063-

Conroe, Texas 77302 493-6608538-703 1512394109

7. 264 Jenkins, Leatha 16588 River Ranch Drive, Purchase - FHA 30057301/51

Conroe, Texas 77302 493-6636790-703 2371602

8. 652 Jordan-Kidd, 16473 Hill Country Drive, Purchase Later

Carol Conroe, Texas 77302

9. 727 Long, Edgar 31431 Ashland Timbers Purchase - FHA

Court, Magnolia, Texas 493-7441851-796

77355

10. 337 Mataska, Ray 16205 Lone Star Ranch Purchase - FHA

Drive, Conroe, Texas 77302 493-6466160

11. 339 Mathews, Richard 7011 Forest Meadow, Purchase - FHA

1928171960

Magnolia, Texas 77354 493-7321290-703

12. 353 McKinley, Glen 16258 Daisy View Court, Refinance - FHA

293887650

Conroe, Texas 77302 493-7153279-796

13. 370 Mitchell, Michelle 26206 Country Heights, Refinance

Magnolia, Texas 77355 Conventional

Uninsured

14. 384 Morris, Margaret 16579 River Ranch Drive, Purchase - FHA

3005156

Conroe, Texas 77302 493-6608386-703

15. 391 Murphy, Joe 16472 Hill Country Drive, Purchase - FHA

1519487365

Conroe, Texas 77302 493-3896426-796

16. 729 Myers, Kevin 16335 Crockett Bend Drive, Purchase - FHA

Conroe, Texas 77303 493-7471558-703

17. 419 Perry, Rebecca 16224 Lone Star Ranch Purchase - FHA

Drive, Conroe, Texas 77302 493-6533889-796

18. 459 Rouse, Nathan 16552 Desert Star Court, Purchase - FHA

1988333867

Conroe, Texas 77302 493-6809745-796

19. 2031 Shaffer, Vicki 22619 Susana Lane, Spring, Purchase - FHA

Texas 77389 493-7236140-76

20. 493 Slusser, Robert 16560 River Ranch Drive, Purchase - FHA

1512379386

Conroe, Texas 77302 493-6644354-703

21. 2008 Wilburn, William 16406 Evergreen Timbers, Purchase - FHA

1928187541

Magnolia, Texas 77355 493-7329592-703

22. 25 Barclay, Ramona 16576 River Ranch Drive, Purchase - FHA

300598

Conroe, Texas 77302 493-6644377-703

23. 35 Battaglia, Paul 16284 Lone Star Ranch Purchase - FHA

3005731

Drive, Conroe, Texas 77302 493-6603530-703

24. 716 Burke, Ryan 16430 Tamra Court, Purchase - FHA

200332448

Conroe, Texas 77306 493-7441533-796

25. 73 Butler, Michael 16556 Desert Star Court, Purchase - FHA

Conroe, Texas 77302 493-6791571





Seventeenth Amended Original Petition

Emerson Homebuyers Association, et al v. Raybon Entities Manufactured Homes, et al

Page 30 of 49

26. 864 Cadena, Erik 16328 Lone Corral Court, Purchase FHA

Conroe, Texas 77302 493-7393806-796

27. 86 Castle, Patricia 16297 Lone Star Ranch Purchase - FHA

5810823996

Drive, Conroe, Texas 77302 493-6396228

28. 146 Emmons, 24 Cogan's Grove, Purchase - FHA

1517983242

Catherine Huntsville, Texas 77320 493-7354979-703

29. 618 Eudy, Mary 159 Crockett Martin Road, Purchase - FHA

Conroe, Texas 77303 493-7604867-703

30. 738 Gordon, Jorge 16315 Lone Star Ranch Purchase – FHA

Drive, Conroe, Texas 77302 493-6433757-703

31. 719 Harvey, Lorna 187 Aquarius Court, Purchase - FHA

2000288388

Conroe, Texas 77306 493-7365023-703

32. 220 Henry, Robert 16476 Brittany Way, Purchase - FHA

200282477

Conroe, Texas 77306 493-7356458

33. 672 Hommel, Jason 16059 Nikita Circle, Purchase - FHA

Conroe, Texas 77302 493-6608436-703

34. 658 Howell, Jeffrey 16351 Lone Star Ranch Purchase - FHA

Drive, Conroe, Texas 77301 93-6531054

35. 257 Hyman, Pamela 16435 Trenda Court, Purchase - FHA

1928177901

Conroe, Texas 77306 493-7315698-796

36. 265 Johnson, Don 16458 Hill Country Drive, Purchase - FHA

Conroe, Texas 77302 493-6932394

37. 307 Leigh, Kelvin 102 Earl Road, Purchase - FHA

Huntsville, Texas 77320 493-7338188-703

38. 316 Loveday, Chad 12959 Hill Street, Refinance

Conroe, Texas 77304

39. 794 Lowery, Albert 19074 Ranch Crest Drive, Refinance

Magnolia, Texas 77355

40. 364 Martin , Thomas 16384 Red Tail Hawk Purchase - FHA

1988671688

Court, Conroe, Texas 77302 493-6917380-796

41. 353 McKinley, Glen 16258 Daisy View Court, Refinance - FHA

293887650

Conroe, Texas 77302 493-7153279-796

42. 363 Miller, Robert 16176 Western Echo, Purchase - FHA 3005656/151

Conroe, Texas 77302 493-6615387-703 2365654

43. 391 Murphy, Joe 16472 Hill Country Drive, Purchase - FHA

1519487365

Conroe, Texas 77302 493-3896426-796

44. 402 Olexa, Steven 16093 Nikita Circle, Purchase - FHA

3005762

Conroe, Texas 77302 493-6608442-703

45. 417 Perkins, Tiffany 113 Earl Road, Purchase - FHA

Huntsville, Texas 77320 493-7351908

46. 430 Prima, Mathew 16566 Desert Star Drive, Purchase - FHA

1988322758

Conroe, Texas 77302 493-6809695-796

47. 441 Richardson, Alan 16257 Wrangler Avenue, Purchase - FHA

3006225

Conroe, Texas 77302 493-6681471-703







Seventeenth Amended Original Petition

Emerson Homebuyers Association, et al v. Raybon Entities Manufactured Homes, et al

Page 31 of 49

48. 787 Riley, Judy 16203 Kelcey Circle, Purchase - FHA

Magnolia, Texas 77355 493-7465365-703

49. 451 Roberts , Anita 16403 Crockett Bend Drive, Purchase - FHA

1928263730

Conroe, Texas 77303 493-7477544-703

50. 468 Salas, Eric 16484 Brittany Way, Conroe, Purchase - FHA

Texas 77306 493-7347780-703

51. 481 Scott, Michael 16393 Red Tail Hawk Court, Purchase - FHA

1948354840

Conroe, Texas 77302 493-6924845-796

52. 504 Smith, 16180 Lone Star Ranch Purchase - FHA

1988717891

Montgomery Drive, Conroe, Texas 77302 493-6947382-796

53. 698 Stern, Jeffrey 16397 Crockett Bend Drive, Purchase - FHA

1928264697

Conroe, Texas 77303 493-7459035-703

54. 748 Tigner, Hank 16092 Nikita Circle, Purchase - FHA

1512373540

Conroe, Texas 77302 493-661962-703

55. 771 Tomlinson, Bertha 31219 West Timberloch Purchase - FHA

1928173106

Trail, Magnolia, Texas 77355 493-7321363-703

56. 539 Trevino, Robert 2 Ellen Street, Huntsville, Purchase - FHA

1928255980

Texas 77320 493-7288886-703

57. 546 Venoy, Kevin 16570 Desert Star Drive, Purchase - FHA

Conroe, Texas 77302 493-6796194-796

58. 551 Walker, David 1 Jacob Street, Purchase - FHA

1928187235

Huntsville, Texas 77320 493-7341295-703

59. 2032 Wallace, Kevin 31522 Bryan Street, Purchase - FHA

Magnolia, Texas 77355 493-7473434-796



6. Citimortgage, Inc.

1. 72 Burton, Robert 16268 Wrangler Avenue, Purchase - FHA 6006272-

Conroe, Texas 77302 493-6682897-729 28840452

2. 138 Dugas, Alton 16239 Wild Oak Lane, Purchase 2.0009E+10

Conroe, Texas 77302 Conventional

Uninsured

3. 148 Evans, Kenn 16345 Lone Star Ranch Purchase - FHA 3004524/452

Drive, Conroe, Texas 77302 493-6582129-703 9863

4. 275 Jones, Zorn 16529 Leafy Meadow Drive, Purchase - FHA 3006338/288

Conroe, Texas 77302 493-7222397-703 64270

5. 286 Kersh, Russell 16217 Lone Star Ranch Purchase - FHA

Drive, Conroe, Texas 77302 493-63696178

6. 437 Reese, Michael 16259 Lone Star Ranch Purchase - FHA

Drive, Conroe, Texas 77302 493-6543420-703

7. 619 Torres, Pedro 16347 Crockett Crossing, Refinance Re-scan

Conroe, Texas 77303

8. 922 Garnett, Paul 16543 Leafy Meadow Drive, Purchase - FHA 20108996

Conroe, Texas 77302 493-664-9844-703







Seventeenth Amended Original Petition

Emerson Homebuyers Association, et al v. Raybon Entities Manufactured Homes, et al

Page 32 of 49

9. 268 Johnson, Stephen 16332 Lone Corral Court, Purchase – FHA 3006361/288

Conroe, Texas 77302 493-6716298-703 85804

10. 400 Nye, Paul 11737 Small Oak Lane, Purchase 60982466

Willis, Texas 77378 Conventional

Uninsured

11. 619 Torres, Pedro 16347 Crockett Crossing, Refinance Re-scan

Conroe, Texas 77303



7. Countrywide

1. 714 Barrientos, 16206 Lone Star Ranch Refinance - FHA 9059352

Alfredo Drive, Conroe, Texas 77302 493-6796323-703

2. 671 Benevides, Rafael 16310 Lone Coral Court, Purchase – FHA

Conroe, Texas 77302 493-6741634-796

3. 584 Wood, Tommy 16529 Desert Star Court, Purchase 493- 27579056

Conroe, Texas 77302 7382210-703

4. 642 Cahill, Michael 16357 Crockett Bend Drive, Purchase - FHA 36980957

Conroe, Texas 77303 493-7604423

5. 87 Charbonier, 16097 Lone Star Ranch Purchase - FHA 20242113

Harry Drive, Conroe, Texas 77302 493-7116700

6. 159 Freeman, 16333 Lone Corral Court, Purchase - FHA 20784718

Shannon Conroe, Texas 77302 493-6797387-796

7. 673 Gahan, James 16542 Leafy Meadow Drive, Purchase - FHA 3006104/286

Conroe, Texas 77302 493-6662032-703 2609

8. 323 Maggio, Peter 16287 Wild Oak Lane, Purchase - FHA

Conroe, Texas 77302 493-7243809-703

9. 935 Matthews, Grady 16585 Desert Star Drive, Refinance - FHA 20913355

Conroe, Texas 77302 493-6803368

10. 365 Miller, David 16520 Spring Rain Court, Purchase - FHA 20645715

Conroe, Texas 77302 493-7173221-796

11. 395 Neeb, Lexi 16267 Kanani Court, Purchase - FHA

Conroe, Texas 77302 493-7054337-796

12. 396 Newberry, 16319 Hill Country Drive, Purchase - FHA

Claudia Conroe, Texas 77302 493-7346047-796

13. 399 Nolte, David 16281 Wild Oak Lane, Purchase - FHA 2668291

Conroe, Texas 77302 493-7113647-796

14. 712 Ortiz, Alexis 16593 Desert Star Court, Purchase - FHA

Conroe, Texas 77302 493-6796542796

15. 797 Ragus, Michael 19087 Ranch Crest Drive, Purchase - FHA

Magnolia, Texas 77355 493-7611125-703

16. 461 Rubin, Scott 16544 Desert Star Court, Purchase - FHA 20858783

Conroe, Texas 77302 493-6793799-796

17. 644 Trahan, Wilbert 16319 Wild Oak Lane, Purchase - FHA

Conroe, Texas 77302 493-7095165-703







Seventeenth Amended Original Petition

Emerson Homebuyers Association, et al v. Raybon Entities Manufactured Homes, et al

Page 33 of 49

18. 557 Watters, Rubbie 16322 Crockett Bend Drive, Refinance 20304604

Conroe, Texas 77303 Conventional

Uninsured

19. 566 Wheeler, Dana 16251 Wild Oak Lane, Purchase - FHA

Conroe, Texas 77302 493-7065877-703

20. 956 Wilkinson, Brian 16450 Kyle Reid Road, Purchase - FHA

Conroe, Texas 77302 493-7066939-796



8. EverHome Mortgage



1. 625 Drake, Donald 16377 Crockett Bend Drive, Purchase –FHA

Conroe, Texas 77303 493-7513419-796 300036743-0

2. 2038 Dyer, Morris 31523 W. Timberloch Trail, Purchase - FHA 0

Magnolia, Texas 77355 2000379819

3. 213 Hebert, 16338 Crockett Crossing, Purchase

Christopher Conroe, Texas 77303

4. 730 Lake, Tammy 16347 Crockett Bend Drive, Purchase

Conroe, Texas 77303 2000361683

5. 723 Noll, Scott 167 Aquarius Court, Purchase – FHA

Conroe, Texas 77306 493-7579870-703 2003908

6. 810 McFarland, 31411 Ashlyn Timbers, Purchase

Frederick Magnolia, Texas 77355 200038629-2

7. 723 Noll, Scott 167 Aquarius Court, Purchase – FHA

Conroe, Texas 77306 493-7579870-703 2003908

8. 695 Ritter, Bobby 16381 Crockett Bend Drive, Purchase - FHA

Conroe, Texas 77303 493-7480861-796

9. 556 Washington, 34 Victoria Way, Huntsville, Purchase - FHA

Rodney Texas 77320 493-7516841 2000371334





9. First Horizon Home Loan Corp.

1. 21 Bailey, Raymond 16449 Kyle Reid Road, Purchase - FHA 0028937886

Conroe, Texas 77302 493-7121825-796

2. 18 Atkinson, Ronald 16388 Red Tail Hawk Court, Purchase - -FHA

Conroe, Texas 77302 493-6920385-796

3. 31 Barrera, Ernest 16362 Texas Star Court, Purchase - FHA 2763458

Conroe, Texas 77302 493-6974178-796

4. 67 Brumlow, 16279 Wrangler Avenue, Purchase - FHA 1951898

Kenneth Conroe, Texas 77302 493-6844044-796

5. 68 Buckley, Daniel 16366 Texas Star Court, Purchase - FHA 0027700137

Conroe, Texas 77302 493-6985640

6. 139 Duncan, Charles 16493 Hill Country Drive, Purchase - FHA 27063122

Conroe, Texas 77302 493-6866788







Seventeenth Amended Original Petition

Emerson Homebuyers Association, et al v. Raybon Entities Manufactured Homes, et al

Page 34 of 49

7. 685 Fisher, Keith 16553 Desert Star Court, Purchase - FHA 17885476

Conroe, Texas 77302 493-6830305

8. 191 Griffin, Julie 16370 Texas Star Court, Purchase 27790526

Conroe, Texas 77302 Conventional

Uninsured

9. 226 Hicks, Randy 16484 Hill Country Drive, Purchase - FHA 27104199

Conroe, Texas 77302 493-6877818-796

10. 281 Kean, Russell 16209 Wild Oak Lane, Purchase - FHA 0029212730

Conroe, Texas 77302 493-7153971-796

11. 283 Kellogg, Jeffery 16396 Red Tail Hawk Court, Purchase - FHA 0027175397

Conroe, Texas 77302 493-6893958-796

12. 312 Lewis, Kathy 16577 Desert Star Court, Purchase - FHA 0027063155

Conroe, Texas 77302 493-7203527

13. 315 Lopez, Jairo 16229 Sunny Morning Court, Purchase - FHA 002812462

Conroe, Texas 77302 493-7020336-796

14. 317 Loving, Rebecca 16323 Texas Star Drive, Purchase Not

Conroe, Texas 77302 Scanned

15. 333 Marshall, Rick 16586 Desert Star Drive, Purchase - FHA 17697434

Conroe, Texas 77302 493-6786171-796

16. 717 Martinez, Ramico 22 Cogan's Grove, Purchase - FHA

Huntsville, Texas 77320 493-1361986-703

17. 413 Parris, Kristi 16375 Texas Star Court, Purchase - FHA 27515311

Conroe, Texas 77302 493-6957315-796

18. 472 Sapsky, Samuel 16509 Misty Oak Court, Purchase - FHA 0029056603

Conroe, Texas 77302 493-7142825

19. 638 Sayles, Jeffery 16148 Lone Star Ranch Purchase - FHA 27532837

Drive, Conroe, Texas 77302 493-6958589-703

20. 488 Shook, Thomas 16589 Desert Star Court, Purchase - FHA 17749938

Conroe, Texas 77302 493-6800673-796

21. 508 Smothers, 16465 Hill Country Drive, Purchase - FHA 27192329

Amanda Conroe, Texas 77302 493-6862191-796

22. 514 Spruill, David 16287 Wrangler Avenue, Purchase - FHA 17861519

Conroe, Texas 77302 493-6817519-796

23. 517 Stanley, Lawrence 16315 Texas Star Court, Purchase - FHA 28033181

Conroe, Texas 77302 493-7011804-796



10. First Magnus Financial Corp.

1. 33 Barrow, Nathan 16344 Lone Star Ranch Purchase - FHA

Drive, Conroe, Texas 77302 493-6623377-703 1512358648

2. 150 Ewah, Francis 16267 Wild Oak Lane, Purchase - FHA

Conroe, Texas 77302 493-709179-796 5705002327

3. 297 Kyle, Shawn 16259 Kanani Court, Purchase - FHA

Conroe, Texas 77302 493-7115871 5705002578







Seventeenth Amended Original Petition

Emerson Homebuyers Association, et al v. Raybon Entities Manufactured Homes, et al

Page 35 of 49

4. 649 Thomas, Charles 16415 Tamra Court, Conroe, Purchase - FHA

Texas 77306 493-7642734-796 5735000712



11. First National Acceptance Corp.

1. 5. 130 Dockum, Delbert 13907 Anchor Court, Purchase 0

Willis, Texas 77318

2. 6. 768 Ogans, Bobby 139 Pegasus Court, Purchase 0

Conroe, Texas 77306

3. 7. 703 Terry, Willie 4541 Grand Oaks Drive, Purchase 0

Willis, Texas 77378

4. 8. 565 Werner, Ronald 16458 Emerson Circle, Purchase 0

Conroe, Texas 77306



12. First National Security

1. 16200 Lone Star Ranch Purchase Later

112 Crowe, Earl Drive, Conroe, Texas 77302 3003342

2. 16555 River Ranch Dr., Purchase - FHA 3005689/151

491 Singleton, Gary Conroe, Texas 77302 493-6630201-703 2373175



13. Flagstar

1. 735 McDonald, Oran 4496 Grand oaks, Purchase

Willis, Texas 77378 Conventional 998081472

Uninsured



14. General Motors Acceptance Corp.

1. 878 Fulgenzi, 16356 Lone Star Ranch Purchase

Margaret Drive, Conroe, Texas 77302 Conventional

Insured 060023533

2. 948 Inks, Brenda 16290 Lone Star Ranch Purchase FHA 293781671-

Drive, Conroe, Texas 77302 493-6574390-251 A84

3. 594 Haberman, Mark 26006 Country Timber, Refinance

Magnolia, Texas 77355 Conventional T15602

Insured



15. Greenpoint Mortgage

1. 676 Bachman, Lonnie 16491 Pisces Lane, Purchase 0080290992

Conroe, Texas 77306 Conventional

Uninsured









Seventeenth Amended Original Petition

Emerson Homebuyers Association, et al v. Raybon Entities Manufactured Homes, et al

Page 36 of 49

2. 77 Caldwell, Betty 16330 Crockett Bend Drive, Purchase 106303431

Conroe, Texas 77303 Conventional

Insured

3. 445 Riggar, Hazel 4518 Emerson Court, Purchase 80253081

Willis, Texas 77378 Conventional

Insured



16. Homeside Lending

1. 496 Smith, Charles 4529 Grand Oaks Drive, Purchase - FHA

Willis, Texas 77378 493-6799517-703 4139



17. Irwin Mortgage

1. 560 Weitman, Phillip 16445 Kyle Reid Road, Purchase - FHA 570-

Conroe, Texas 77302 493-7116588-703 50022462





18. Island Mortgage Network, Inc.

1. 79 Caldwell, 16327 Lone Star Ranch Purchase - FHA

Christopher Drive, Conroe, Texas 77302 493-6501863-703 1789217



19. James B. Nutter, Inc.

1. 60 Brewer, Peter 16323 Wild Oak Lane, Purchase - FHA

Conroe, Texas 77302 493-7126533-796 5705002703

2. 126 DeLeon, Michael 16549 Desert Star Court, Purchase - FHA

Conroe, Texas 77302 493-7340050-703

3. 623 Gordon, Greg 16351 Lone Star Ranch Purchase FHA

Drive, Conroe, Texas 77302 493-7362981-729

203B-751 566243

4. 235 Hogg, Michael 16218 Lone Star Ranch Purchase - FHA

Drive, Conroe, Texas 77302 493-6531987

5. 351 McKee, James 16213 Wild Oak Lane, Purchase - FHA

Conroe, Texas 77302 493-7139458-703 295159

6. 409 Owens, Jerry 16260 Wrangler Avenue, Purchase - FHA

Conroe, Texas 77302 493-6941078-703 3006260

7. 432 Ramos, Jose 16252 Wrangler Avenue, Purchase - FHA

Conroe, Texas 77302 493-6706097 3006337



20. Judith O. Smith Mortgage Group, Inc.







Seventeenth Amended Original Petition

Emerson Homebuyers Association, et al v. Raybon Entities Manufactured Homes, et al

Page 37 of 49

1. 782 Parker, Thomas 33163 McKinley Circle, Purchase Not

Magnolia, Texas 77354 Scanned 21052834

21.









Seventeenth Amended Original Petition

Emerson Homebuyers Association, et al v. Raybon Entities Manufactured Homes, et al

Page 38 of 49

22. Matrix Financial

1. 484 Selfridge, Valerie 27028 Sonora Trial, Purchase - FHA

Magnolia, Texas 77355 493-7236186-703 2692470



23. Midfirst Mortgage

1. 680 Abke, Darrell 16265 Lone Star Ranch Purchase - FHA

Drive, Conroe, Texas 77302 493-6396336

2. 47 Bird, Jason 16574 Desert Star Court, Purchase - FHA

Conroe, Texas 77302 493-6785763-796 1040R

3. 69 Burk, Michael 16380 Red Tail Hawk Court, Purchase - FHA

Conroe, Texas 77302 493-6903188 48850896





24. MIT Lending

1. 43 Berry, Steven 16309 Wild Oak Lane, Purchase - FHA

Conroe, Texas 77302 493-7094295-796 T14784



25. Mortgage Edge Corporation

1. 50 Booth, Spencer 16246 Lone Star Ranch Purchase - FHA 2934324A-

Drive, Conroe, Texas 77302 493-6499198 84

2. 140 Duncan, Jan 16318 Lone Star Ranch Purchase - FHA

Drive, Conroe, Texas 77302 493-6580554







26. Net Bank – EverHome Mortgage Company

1. 54 Bowie, Richard 5 Jacob Street, Huntsville, Purchase - FHA

Texas 77320 493-7345318 2000279806

2. 728 Bryan, Andre 33167 McKinley Circle Purchase – FHA

Magnolia, Texas 77355 493-7411174-703

3. 143 Eisenberg, Gayle 31506 West Timberloch Purchase - FHA

Trail, Magnolia, Texas 77355 493-7319919-703 2000269056

4. 656 Gilmore, Daurece 16483 Pisces Lane, Conroe, Purchase - FHA

Texas 77306 493-7321392-703 2000382461

5. 730 Lake, Tammy 16347 Crockett Bend Drive, Purchase

Conroe, Texas 77303 2000361683

6. 724 Lopez, Thelma 7006 Forest Meadow, Purchase - FHA

Magnolia, Texas 77354 493-7381344-796

7. 657 Reyes, Fernando 16343 Crockett Bend Drive, Purchase - FHA

Conroe, Texas 77306 493-7543672 2000382461





Seventeenth Amended Original Petition

Emerson Homebuyers Association, et al v. Raybon Entities Manufactured Homes, et al

Page 39 of 49

8. 726 Styers, Keith 16211 Kelcey Circle, Purchase

Magnolia, Texas 77355

9. 2001 Trzcinski, Tyler 31434 Ashlyn Timbers Purchase – FHA

Magnolia, Texas 77355 493-7433992-703



27. New Freedom Mortgage

1. 372 Mohr, Scott 16193 Western Echo, Purchase – FHA

Conroe, Texas 77302 493-7408004-729 3005932

2. 425 Polka, Mark 16468 Hill Country Drive, Purchase - FHA

Conroe, Texas 77302 493-6839992-796







28. Principal Residential Mortgage

1. 28 Barnes, Jeremy 177 County Road 2803, Refinance

Cleveland, Texas 77327 Conventional

Uninsured 6155770-8

2. 740 Manzi, Jason 16317 Lone Corral Court, Purchase

Conroe, Texas 77302 1640366-9

3. 959 Perez, Alicia 16553 Emerson Circle, Refinance

Conroe, Texas 77306 Conventional

Uninsured 6159854-6



29. Source Financial

1. 423 Pierce, Sarah 16291 Lone Star Ranch Purchase - FHA

Drive, Conroe, Texas 77302 493-6426704 702244515



30. U.S. Bank

1. 2020 Fayard, Oretha 33139 McKinley Circle, Purchase - FHA

Magnolia, Texas 77354 493-7574170 7810361037

2. 165 Galvan, Cherryl 16427 Tamra Court, Conroe, Purchase - FHA

Texas 77306 493-7580550 7810362253

3. 259 Ivey, Robert 179 Crockett Martin Road, Purchase - FHA

Conroe, Texas 77303 493-7566571-703

4. 2033 Young, Michelle 33116 Wedgewood Drive, Purchase - FHA

Magnolia, Texas 77354 493-7370210-796



31. Synergy

1. 2013 Koopman, Jason 16410 Evergreen Timbers, Purchase - FHA

Magnolia, Texas 77355 493-7193567 108381





Seventeenth Amended Original Petition

Emerson Homebuyers Association, et al v. Raybon Entities Manufactured Homes, et al

Page 40 of 49

32. Washington Mutual

1. 53 Bowen, Gina 16193 Sunny Morning Court, Purchase - FHA

5019191826

Conroe, Texas 77302 493-7017389-703

2. 753 Brookshire, Mary 150 Aquarius, Conroe, Texas Purchase

Louise 77306

3. 65 Brown, Kendra 19 Cogans Grove, Huntsville, Purchase

Texas 77320 Conventional

Uninsured

4. 596 Buchanan, Frank 26 Jacob Street, Huntsville, Purchase - FHA

60725653

Texas 77320 493-7377514-703

5. 85 Carter, Reginald 18 Victoria Way, Huntsville, Purchase - FHA

Texas 77340 493-7287641-796

6. 137 Drennan, Temple 16101 Lone Star Ranch Purchase - FHA

Drive, Conroe, Texas 77302 93-704-3094-703

7. 266 Johnson, Florine 4477 Grand Oaks Drive, Refinance

Willis, Texas 77378 Conventional 17613142

Uninsured

8. 294 Knight, Lorie 16301 Wild Oak Lane, Purchase - FHA

Conroe, Texas 77302 493-715403-796

9. 386 Moten, Roy 9 Jacob Street, Huntsville, Purchase - FHA

Texas 77320 493-7284464-703

10. 699 Parker, Willie 9 McFadden Road, Purchase

Huntsville, Texas 77320 Conventional

Uninsured

11. 466 Rutledge, Mandy 33181 Wedgewood Drive, Refinance

Magnolia, Texas 77354 Conventional

Uninsured

12. 2015 Watson, Willie 33188 Wedgewood Drive, Purchase - FHA

606985802

Magnolia, Texas 77354 493-7349700-703



33. Wells Fargo

1. 701 Aaron, Timothy 163 Crockett Martin Road, Purchase - FHA

Conroe, Texas 77303 493-7697093

2. 684 Adams, Vinn 31340 Ashlyn Timbers, Purchase - FHA 189201

Magnolia, Texas 77355 493-7426825 346

3. 750 Andre, Rhonda 19171 Ranch Crest Drive, Purchase - FHA

5183159268

Magnolia, Texas 77355 493-7257868-796

4. 907 Andrews, 16505 Leafy Meadow Drive, Purchase - FHA

0184130706

Stephen Conroe, Texas 77302 493-6681442-796

5. 752 Baines, Charles 19060 Ranch Crest Drive, Purchase - FHA

Magnolia, Texas 77355 493-7700679-796







Seventeenth Amended Original Petition

Emerson Homebuyers Association, et al v. Raybon Entities Manufactured Homes, et al

Page 41 of 49

6. 598 Jankowski, 16276 Wrangler Avenue, Purchase - FHA

Nancy Conroe, Texas 77302 493-6755501

7. 2019 Bonds, Mark 5411 Denny Road, Spring, Purchase - FHA

981920638

Texas 77389 493-7192766

8. 2006 Brown, Victor 31410 Timberloch Trail, Purchase - FHA

Magnolia, Texas 77355 493-7712575-703

9. 700 Carmical, Arthur 16373 Red Tail Hawk Court, Purchase - FHA

Conroe, Texas 77302 493-6937855-796

10. 757 Cherry, Curtis 16449 Pisces Lane, Conroe, Purchase - FHA

Texas 77306 493-7641780

11. 98 Cole, James 310 Raven Terrace, Huntsville, Purchase - FHA

Texas 77320 493-7301011

12. 759 Collins, Arto 31422 E. Timberloch Trail, Purchase

192295522

Magnolia, Texas 77355

13. 3004 Cook, Kyle 31619 Bryan Street, Magnolia, Purchase - FHA

190978155

Texas 77355 493-7592355-703

14. 696 Cooper, David 16311 Crockett Crossing, Purchase - FHA

184036472

Conroe, Texas 77303 493-7306146-703

15. 737 Corneluis, Cheryl 16275 Wrangler Avenue, Purchase

Conroe, Texas 77302

16. 761 Couch, James 16415 Trenda Court, Conroe, Purchase - FHA

Texas 77306 493-7710676-703

17. 108 Covington, 16210 Sunny Morning Court, Purchase - FHA

4213983

Johnny Conroe, Texas 77302 493-6984668

18. 3001 Cummins-Lucas, 155 Crockett Martin Road, Purchase - FHA

196462865

Diane Conroe, Texas 77303 493-7929152

19. 2007 Fowler, Kay 31414 Timberloch Trail, Purchase - FHA

194678363

Magnolia, Texas 77355 493-7840224-796

20. 766 Gabriel, Mark 16471 Pisces Lane, Purchase - FHA

Van Conroe, Texas 77306 493-7755564

21. 640 Galindez, James 16342 Crockett Crossing, Purchase - FHA

Conroe, Texas 77303 493-7266369

22. 668 Garrett, Timothy 42 Victoria Way, Huntsville, Purchase - FHA

Texas 77320 493-7600372-703

23. 188 Greene, Damond 16131 Lone Star Ranch Drive, Purchase - FHA

9376157

Conroe, Texas 77302 493-7039985-703

24. 777 Gurney, Mark 31502 E. Timberloch Trail, Purchase - FHA

Magnolia, Texas 77355 493-7689515

25. 212 Heatherly, Ray 16406 Trenda Court, Conroe Purchase - FHA

77306 493-7364355-703

26. 215 Helyes, Lawrence 16524 Bunny Hill Court, Purchase - FHA

4720962802

Conroe, Texas 77302 493-6741943-796

27. 222 Hernandez, Dalia 16523 Bunny Hill Court, Purchase - FHA

186043113

Conroe, Texas 77302 493-6733839-796







Seventeenth Amended Original Petition

Emerson Homebuyers Association, et al v. Raybon Entities Manufactured Homes, et al

Page 42 of 49

28. 795 Hestand, Randy 31426 E. Timberloch Trail, Purchase - FHA

192623536

Magnolia, Texas 77355 493-7708528

29. 933 Hicks, Steve 16582 Desert Star Drive, Purchase

Conroe, Texas 77302

30. 891 Hines, Beverly 16453 Kyle Reid Court, Purchase - FHA

Conroe, Texas 77302 493-7128767-796

31. 2025 Holt, Timothy 31526 Bryan Street, Magnolia, Purchase - FHA

195150818

Texas 77355 493-7836572

32. 796 Hosford, Marvin 16202 Oak Lace Lane, Purchase - FHA

192057958

Magnolia, Texas 77355 493-7681575-703

33. 251 Hughes, Kenneth 9639 Cypress Drive, Willis, Purchase

Texas 77318 Conventional

Uninsured

34. 260 Jackson, Jeffery 31507 West Timberloch Trail, Purchase - FHA

185066305

Magnolia, Texas 77355 493-7351185-796

35. 662 Jameson, Lloyd 167 Crockett Martin Road, Purchase – FHA

Conroe, Texas 77303 493-7700685-703 192376903



36. 2016 Jayroe, Joshua 31430 Timberloch Trail, Purchase - FHA

191884610

Magnolia, Texas 77355 493-7666021

37. 3002 Jeffers, Howard 16203 Evergreen Timbers, Purchase - FHA 70801920864

Magnolia, Texas 77355 493-7402625 78



38. 2026 Jennings, Joshua 31510 E. Timberloch Trail, Purchase - FHA

195706411

Magnolia, Texas 77355 493-7834230-703

39. 679 Johnson, Jarrod 5 Bluebird Drive, Huntsville, Purchase - FHA

182298208

Texas 77320 493-7194851-796

40. 791 Johnson, Misty 31426 Ashlyn Timbers, Purchase – FHA

191669514

Magnolia, Texas 77355 493-1654023-703

41. 2027 Jones, Goldie 4 Victoria Way, Huntsville, Purchase - FHA

19193656

Texas 77320 493-7619123

42. 890 Kopinak, 16210 Evergreen Timbers, Purchase FHA

193908829

Kristina Magnolia, Texas 77355

43. 303 Larsen, Jason 16335 Texas Star Court, Purchase - FHA

191150226

Conroe, Texas 77302 493-7014484-796

44. 2029 Liles, William 31435 Ashlyn Timbers, Purchase - FHA

194218268

Magnolia, Texas 77355 493-7831660-703

45. 779 Macias, Erick 16214 Kelcey Circle, Magnolia, Purchase - FHA

191504406

Texas 77355 493-7647101-796

46. 659 Maddux, Michael 16247 Daisy View Court, Purchase - FHA

506657

Conroe, Texas 77302 493-7121180-703

47. 789 Madison, Lorene 31406 E. Timberloch Trail, Purchase - FHA

Magnolia, Texas 77355 493-7762303-796

48. 342 McCollum, Chad 16359 Crockett Crossing, Purchase - FHA

182019133

Conroe, Texas 77303 493-7198183-796







Seventeenth Amended Original Petition

Emerson Homebuyers Association, et al v. Raybon Entities Manufactured Homes, et al

Page 43 of 49

49. 375 Montgomery, 16343 Crockett Crossing, Purchase - FHA

185228384

Mary Conroe, Texas 77306 493-7261472-796

50. 720 Myers, Sam 158 Aquarius Court, Conroe, Purchase - FHA

Texas 77306 493-7824790-703

51. 960 O'Neil, Ronnie 33203 Wedgewood Drive, Purchase - FHA

183778034

Magnolia, Texas 77354 493-7280196-703

52. 406 Oualline, Jimmie 38 Victoria Way, Huntsville, Purchase - FHA

182092007

Texas 77320 493-7198121-796

53. 790 Palmer, 31418 E. Timberloch Trail, Purchase

Raymond Magnolia, Texas 77355

54. 414 Payette, Robert 16232 Lone Star Ranch Drive, Purchase - FHA

3004309

Conroe, Texas 77302 493-6590959-703

55. 697 Pope, Roadell 126 Carmen Blvd, Conroe, Purchase - FHA

191936822

Texas 77306 493-7597930-703

56. 807 Popp, Michael 16419 Tamra Court, Conroe, Purchase Not

194550281

Texas 77306 Scanned

57. 426 Porter, James 16546 Leafy Meadow Drive, Purchase - FHA

3006135

Conroe, Texas 77302 493-6636811-703

58. 429 Price, Tony 33177 Wedgewood Drive, Refinance - FHA

Magnolia, Texas 77354 493-7207608-796

59. 431 Proske, Chris 16461 Hill Country Drive, Purchase - FHA

Conroe, Texas 77302 493-6875902-796

60. 706 Psencik, Ronald 27 Jacob Street, Huntsville, Purchase - FHA

191760263

Texas 77320 493-7653527-703

61. 3007 Purnhagen, 16215 Evergreen Timbers, Purchase - FHA

192567089

Arthur Magnolia, Texas 77355 493-7708302-703

62. 609 Quintanilla, 16430 Trenda Court, Conroe, Purchase - FHA

Mario Texas 77306 493-7729847-796

63. 705 Ramsey, Carl 146 Carmen Blvd, Conroe, Purchase - FHA

4937657020

Texas 77306 493-7465365-703

64. 958 Rials, Jerome 154 Aquarius Road, Conroe, Purchase - FHA

Texas 77306 493-7812984-703

65. 444 Riendeau, 2 Victoria Way, Huntsville, Purchase - FHA

181934878

Patricia Texas 77340 493-7199516-796

66. 449 Roberts, James 16327 Crockett Bend Drive, Purchase - FHA

188667667

Conroe, Texas 77303 493-7479052-703

67. 710 Rumbaugh, J.C. 16597 Emerson Circle, Purchase - FHA

Conroe, Texas 77306 493-7809814-703

68. 774 Rummage, 19154 Ranch Crest Drive, Refinance

Margaret Magnolia, Texas 77355 Conventional 9864737

Uninsured

69. 473 Scarborough, 16475 Brittany Way, Conroe, Purchase - FHA

183785377

Donald Texas 77306 493-7194924-703

70. 474 Schaeffer, 9518 Live Oak Trail, Willis, Purchase - FHA

183782788

Michelle Texas 77318 493-7260358-703





Seventeenth Amended Original Petition

Emerson Homebuyers Association, et al v. Raybon Entities Manufactured Homes, et al

Page 44 of 49

71. 607 Shellenberger, 16479 Taurus Court, Conroe, Purchase - FHA

Michelle Texas 77306 493-7315611-796

72. 506 Smith, Steven 16423 Trenda Court, Conroe, Purchase - FHA

Texas 77306 493-7627086-703

73. 509 Smyth, Steven 16277 Wild Oak Lane, Conroe, Purchase

Texas 77302

74. 515 Staggs, Walter 16285 Lone Star Ranch Drive, Purchase

2962068

Conroe, Texas 77302

75. 806 Steel, Michael 16288 Wrangler Avenue, Refinance - FHA

Conroe, Texas 77302 493-7634586-703

76. 746 Stoehr, Thomas 16547 Leafy Meadow Drive, Purchase - FHA

Conroe, Texas 77302 493-665-2531-703



77. 809 Sweat, Antoinette 23 Victoria Way, Huntsville, Purchase - FHA

193411584

Texas 77340 493-7711318-703

78. 532 Tolan, Mary Jo 9537 Maple Ridge , Purchase - FHA

183160555

Willis, Texas 77318 493-7264873-796

79. 547 Vick, John 16569 Desert Star Court, Purchase - FHA

Conroe, Texas 77302 493-6820627-796

80. 549 Walczak, Kelly 16092 Lone Star Ranch Drive, Purchase - FHA

Conroe, Texas 77302 493-7018588-703

81. 2018 Waller, Ronald 16422 Tamra Court, Conroe, Purchase - FHA

194408696

Texas 77306 493-7821430-703

82. 580 Wilson, Mathew 16250 Daisy View Court, Purchase - FHA

Conroe, Texas 77302 493-7152425-796

83. 581 Wind, Dustin 16359 Texas Star Court, Purchase - FHA

Conroe, Texas 77302 493-6960553-796

84. 585 Woodfork, Henry 16331 Crockett Bend Drive, Purchase - FHA 70801910763

Conroe, Texas 77303 493-7596583-703

85. 592 Yuengel, Anthony 178 Carmen Blvd, Purchase

Conroe, Texas 77306 Conventional 24292740

Uninsured



ECONOMIC AND ACTUAL DAMAGES



111. Plaintiff Consumers sustained the following economic and actual damages as a result of



the actions and/or omissions of Defendants described hereinabove:





A. Out-of-pocket expenses,



i. Loss of credit and damage to credit reputation.







Seventeenth Amended Original Petition

Emerson Homebuyers Association, et al v. Raybon Entities Manufactured Homes, et al

Page 45 of 49

ii. Overpayment of principal and interest, hazard insurance escrows, real

property tax escrows, mortgage protection insurance paid that exceeded

the actual value.



iii. Repairs made or required to be made by Plaintiff Consumers to subject

property that can be traced to the installation of an unapproved and

inadequate foundation that can be traced to the installation of an

unapproved and inadequate foundation.



iv. Improvements made or required to be made by Plaintiff Consumers to

subject property.



B. Loss of the "benefit of the bargain."



C. Diminished or reduced market value.



D. Value of Converted Personal Property.





112. The Plaintiff Consumers specifically allege they sustained damages and these damages



are within the jurisdiction of this Court.





EQUITABLE RELIEF – SERVICING LENDERS



113. The Plaintiff Consumers request that the Certificate of Attachment issued by the State of



Texas TDCA-MHD be found to be void and the Loan Note and Deeds of Trust contracts



executed between the Plaintiff Consumers, and/or on their behalf, and long term mortgage



lenders part of or related to the subject manufactured home land/home package transactions, be



declared null and void. The Plaintiff Consumers be returned to a status quo ante in conjunction



reimbursement of actual (out of pocket) damages, punitive damages, costs of suit, and reasonable



attorneys’ fees, within the jurisdictional limits of this Court.









Seventeenth Amended Original Petition

Emerson Homebuyers Association, et al v. Raybon Entities Manufactured Homes, et al

Page 46 of 49

ATTORNEY'S FEES

114. Request is made for all costs and reasonable and necessary attorney's fees incurred by or



on behalf of Plaintiff Consumers herein, including all fees necessary in the event of an appeal of



this cause to the Court of Appeals and the Supreme Court of Texas, as the Court deems equitable

and just, as provided by: (a) Section 17.50(d) of the Texas Business and Commerce Code; and,



(b) common law, such funds computed to be in the amount of $586,090.61, as of October 21,



2006, not including fees necessary in the event of an appeal to the Court of Appeals and/or Court



of Appeals and Supreme Court.



115. Attorneys also claim on their own behalf attorneys’ fees that should have been paid as a



result of ABN AMRO’s breach of contract, in addition to the attorney’s fees made known in



paragraph 114, above. Attorney asserts these claims are within the jurisdiction of this Court.



TRIAL BY JURY

116. The Plaintiff Consumers hereby demand a jury trial and have paid the jury fee.



RESERVATION OF RIGHT TO AMEND AND TO ELECT REMEDY

117. The Plaintiff Consumers reserve their right to amend this Petition and/or elect remedy in



accordance with the Texas Rules of Civil Procedure and Orders of the Court.



PRAYER

WHEREFORE, PREMISES CONSIDERED, Plaintiff Consumers, APRIL



UNDERWOOD and all of the above named Plaintiff Consumers respectfully pray that the



Defendants be cited to appear and answer herein, and that upon a final hearing of the cause,



judgment be entered for the Plaintiff Consumers against Defendants for the economic and actual



damages requested hereinabove in an amount in excess of the minimum jurisdictional limits of



the Court, together with prejudgment and postjudgment interest at the maximum rate allowed by



law, consequential damages, attorney's fees, costs of court, and such other and further relief to



Seventeenth Amended Original Petition

Emerson Homebuyers Association, et al v. Raybon Entities Manufactured Homes, et al

Page 47 of 49

which the Plaintiff Consumers may be entitled at law or in equity, whether pled or un-pled..



Respectfully submitted





/s/William H. Piper

William H. Piper

State Bar Number 24011497

Munoz & Piper

804 West Dallas Street, Suite 8

Conroe, Texas 77301

Tel 936 756 3030

Fax 832-442-3333

whpiper@piperlaw.org

Attorney for Plaintiff Consumers









Seventeenth Amended Original Petition

Emerson Homebuyers Association, et al v. Raybon Entities Manufactured Homes, et al

Page 48 of 49

CERTIFICATE OF SERVICE



I, the undersigned, do hereby certify that a true and correct copy of the above 18th Amended

Original Petition was served on all parties of record by Lexis File & Serve, pursuant to the E-

filing order of the Court, on April 21, 2008.





/s/William H. Piper

William H. Piper









Seventeenth Amended Original Petition

Emerson Homebuyers Association, et al v. Raybon Entities Manufactured Homes, et al

Page 49 of 49