The Federal Criminal Case Against Letitia James: A Complete Roadmap for Special Prosecutor Ed Martin

With Special Prosecutor Ed Martin now investigating New York State Attorney General Letitia James, here’s the systematic destruction of every defense and the roadmap to the most documented mortgage fraud case in modern political history

A moment of reckoning has arrived for the prosecutor who thought she was above the law she swore to enforce.

This appointment represents federal validation of the extensive documentary evidence we’ve compiled over months of investigation. When career prosecutors and federal agencies review evidence and conclude it warrants special prosecutor oversight, it confirms the serious nature of the alleged criminal conduct we’ve documented.

Moreover, Attorney General Pam Bondi’s appointment of Ed Martin as special prosecutor to investigate Letitia James represents the inevitable collision between four decades of systematic criminal conduct and someone who believed her position made her untouchable. What emerges from the documentary evidence isn’t isolated misconduct—it’s a sophisticated criminal enterprise that spans multiple properties, jurisdictions, and federal programs.

The 40-Year Criminal Enterprise Spans Three Properties

As consistent as it is damning, this pattern spans decades. At her Brooklyn property on Lafayette Avenue, James spent over 20 years systematically misrepresenting a legally documented 5-unit building as having only 4 units across more than 10 different mortgage transactions, enabling her to secure federal HAMP relief and favorable residential loan terms she wasn’t entitled to receive, while systematically violating financial disclosure laws to conceal the true scope of her mortgage obligations from state oversight.

Furthermore, the criminal enterprise traces back even further than Brooklyn. In 1983, records show that James and her father co-signed a mortgage document identifying themselves as “husband and wife” rather than “father and daughter”—establishing a pattern of false identity misrepresentations on federal mortgage documents that spans over 40 years. This early evidence demonstrates that James’s sophisticated understanding of mortgage fraud began decades before her Brooklyn property acquisitions, making the subsequent systematic misrepresentations part of a long-established criminal methodology rather than isolated errors.

Subsequently, when she expanded to Virginia, the fraud became more brazen, involving more phantom mortgages, a false sworn declaration witnessed by her own government employees, and continued systematic concealment from state financial disclosures that created a shell game of concealed and phantom debt across all her properties. The enterprise reached its stunning climax in August 2023, when James signed a false sworn declaration just weeks before launching her Trump fraud prosecution. Throughout this 40-year scheme, James used her position as the state’s top law enforcement official to shield herself from accountability across multiple properties, jurisdictions, and federal programs.

A Direct Message to Special Prosecutor Ed Martin:

You now possess the most documented mortgage fraud case in modern political history. Every document, every timeline, every legal precedent points to the same conclusion: Letitia James operated a sophisticated criminal enterprise while serving as the state’s top law enforcement official. Don’t let media spin or political pressure override documented evidence of federal crimes. Here’s your roadmap to conviction.

SECTION 1: THE 40-YEAR CRIMINAL ENTERPRISE

Brooklyn Property: The Foundation of Systematic Fraud (2001-Present)

The Virginia fraud is merely the latest chapter in what appears to be a four-decade criminal enterprise. Since 2001, James has owned 296 Lafayette Avenue in Brooklyn. The undisputed facts:

• Certificate of Occupancy (January 26, 2001): Legal 5-unit building
• Physical evidence: 6 electric meters, 5 doorbells confirm 5-unit status
• Every mortgage document for 20+ years: Consistently reported as 1-4 units

Two Decades of Systematic False Statements
Brooklyn Property Unit Count Misrepresentations (2001-2021)

The complete mortgage timeline reveals not just consistency in misrepresentation, but a strategic pattern that maximized financial advantages:

• June 21, 2021: Citizens Bank – “1 or 2 Family Residence”
• August 23, 2019: Citibank – “4 Family”
• October 26, 2017: Wells Fargo – “4 Family”
• January 26, 2015: Municipal Credit Union – “4 Family”
• August 23, 2011: US Bank – “4 Fam.” (handwritten)
• May 25, 2007: American General – “1–2 Family Residence”
• October 26, 2006: American General – “1–3 Family”
• July 1, 2005: MERS – “4 Family”
• August 29, 2003: MERS – “4 Family Dwelling”
• March 30, 2001: Chase – “One or Two Family”

Pattern: 10+ false statements across 20 years to different federal lenders, each misrepresenting the same property to obtain better residential loan terms.

As I documented in my March 18, 2025 investigation, this pattern represents systematic mortgage fraud spanning two decades.

The Federal HAMP Fraud (2011)

In 2011, James obtained federal HAMP mortgage modification—a program explicitly excluding buildings with five or more units. As first uncovered by Gateway Pundit’s Joel Gilbert, James received a federally subsidized mortgage modification for a building that, on its face, did not qualify.

Building on Gilbert’s initial findings, my subsequent investigation revealed critical handwritten modifications in the HAMP agreement that appear designed to create ambiguity:

• “4 fam” hastily written in one corner
• Contradictory note stating “…not more than 6 residential units…”

This isn’t just mortgage fraud—it’s defrauding a federal relief program intended for struggling homeowners.

The Building Permit Fraud That Never Stopped

Even as recently as 2020—while serving as Attorney General—James submitted building permits explicitly stating “Dwelling Units: Existing: 4” despite the Certificate of Occupancy listing five units for 19 years.

• July 2020 Application (Job #340743146): Documents show “Dwelling Units: Existing: 4” despite the Certificate of Occupancy listing five units for the past 19 years.
• September 2020 Application (Job #340768510): Another filing repeats the same inconsistent information

When someone filed a complaint citing that “PERMIT APPLICATIONS SIGNED BY LETITIA JAMES APPEAR TO CONTAIN FALSE INFORMATION,” the Department of Buildings dismissed it as a “MINOR ERROR”—special treatment not afforded to ordinary New Yorkers. As documented in our April 14, 2025 investigation, this selective enforcement demonstrates the systematic protection James received while engaging in documented fraud.

In a subsequent complaint filed in 2025, the DOB was forced to address the unit count discrepancy directly. On May 13, 2025, the NYC Department of Buildings closed complaint #3A07302 with a resolution statement that inadvertently provided prosecutors with devastating confirmation of our investigation:

“NO VIOLATION WARRANTED FOR COMPLAINT AT TIME OF INSPECTION. CO #B3P0010437 ON FILE FOR MULTIPLE DWELLING.”

That Certificate of Occupancy—CO #B3P0010437—was issued on January 26, 2001 and explicitly classifies the property as a five-family dwelling, directly contradicting James’s repeated claims of it being a four-unit building on mortgage applications and permit filings spanning two decades.

This government admission destroys any remaining defense arguments about the Brooklyn property’s unit count. New York City’s own Department of Buildings has now officially confirmed that James systematically lied to federal lenders for over 20 years.

The Enterprise Origins: Queens Property Fraud (1983)

Furthermore, the criminal enterprise traces back even further than Brooklyn. In 1983, records show that James and her father co-signed a mortgage document identifying themselves as “husband and wife” rather than “father and daughter”—establishing a pattern of false identity misrepresentations on federal mortgage documents that spans over 40 years. This early evidence demonstrates that James’s sophisticated understanding of mortgage fraud began decades before her Brooklyn property acquisitions, making the subsequent systematic misrepresentations part of a long-established criminal methodology rather than isolated errors.

SECTION 2: THE WRITTEN CONFESSION AND WITNESSED PERJURY

The Email That Destroys Every Defense

On August 2, 2023, Letitia James sent an email to her mortgage broker about a Virginia property she was purchasing. The message was unambiguous:

“This property WILL NOT be my primary residence. I WILL NEVER BE A VIRGINIA RESIDENT.”

The very next day, August 3, 2023, her broker confirmed that James’s role was listed as a “non-occupying co-borrower” and the loan was locked as a “primary residence product”.

Fifteen days later, on August 17, 2023, James signed a Power of Attorney (full document) under penalty of perjury declaring:

“I HEREBY DECLARE that I intend to occupy this property as my principal residence.”

Game over. This isn’t about complex underwriting requirements or technical mortgage details. This is about a sitting Attorney General who made contradictory sworn statements 15 days apart in the same federal transaction, with written proof of her knowledge that the declaration was false.

As detailed in my June 5, 2025 analysis, this represents the clearest possible case of federal mortgage fraud under 18 U.S.C. § 1014.

The Government Witnesses Who Seal Her Fate

The false declaration wasn’t signed in some private setting where James might claim confusion. It was witnessed by two employees from her own Attorney General’s office:

• Jennifer Levy – James’s First Deputy Attorney General and lead prosecutor in the Trump civil fraud case
• Sharona Parchment – Another AG office staff member

Both signed under penalty of perjury that they witnessed James execute this fraudulent document. Federal prosecutors now have two government employees as witnesses to James’s perjury—the same senior legal professionals who were simultaneously building a case against Trump for financial misrepresentations. That false Power of Attorney was recorded with the mortgage in official property records and has never been modified or corrected.

The implications are staggering: New York’s top prosecutors watched their boss sign a document declaring she would live in Virginia as her primary residence, just 15 days after she had explicitly stated in writing that she would never be a Virginia resident. They put their signatures and legal reputations on that document. As I documented in my April 1, 2025 investigation, this creates an unprecedented situation where government employees witnessed their boss commit federal perjury.

Her Own Lawyer Provides the Final Nail

In a stunning development that eliminates any remaining defenses, James’s own high-profile attorney Abbe Lowell provided federal prosecutors with additional evidence of her criminal intent. In an April 24, 2025 letter to U.S. Attorney General Pam Bondi—written while attempting to defend James against the FHFA criminal referral—Lowell explicitly stated that James was a “non-occupying co-borrower” with no intent to occupy the Sterling Street home.

• Committed federal mortgage fraud by falsely declaring her intent to live at Sterling Street, AND
• Violated financial disclosure laws by concealing a property she co-owns with a relative

She broke multiple federal laws. Lowell’s letter provides prosecutors with documentary evidence that directly contradicts James’s mortgage application, making any “mistake” or “confusion” defense impossible. When a defendant’s own lawyer confirms the false nature of sworn declarations, conviction becomes inevitable. Under 18 U.S.C. § 1014, the crime was complete the moment she signed that false declaration. Actual reliance by the lender is not required. Everything else—the emails, the government witnesses, her lawyer’s admissions—is just overwhelming evidence of intent.

SECTION 3: THE FINANCIAL DISCLOSURE SHELL GAME

While the mortgage fraud forms the backbone of James’s criminal enterprise, her systematic violation of New York’s financial disclosure laws creates an equally damaging pattern of perjury and concealment. Filed annually under penalty of perjury, these state ethics disclosures were designed to ensure transparency and prevent conflicts of interest among public officials. Instead, James turned them into instruments of systematic deception.

The disclosure violations aren’t random errors—they’re a carefully orchestrated shell game designed to conceal the true scope of her financial obligations while creating phantom debt to explain away income that should have been reported. Across multiple properties and multiple years, James has consistently reported mortgages that don’t exist while hiding mortgages that do exist, creating a fictional financial profile that obscures the benefits she derived from her fraudulent enterprise.

Virginia Properties: A Masterclass in Concealment

604 Sterling Street (The False Residence Property)

• The Crime: False sworn declaration of primary residence witnessed by government employees
• The Cover-up: Completely omitted from 2023 and 2024 financial disclosures despite co-ownership and active mortgage
• Legal Violation: Must disclose co-owned properties and mortgages over $10,000 under NY ethics law

3121 Peronne Avenue (The Phantom Mortgage Factory)

She’s reporting mortgages that don’t exist while hiding the mortgage that does exist. If all three mortgages were real, total debt would be $509,600 on a property valued at $100,000-$150,000—a 270%+ debt ratio that’s impossible without extraordinary fraud.

The Brooklyn Vanishing Act

Mortgage Disclosure Timeline (2019-2024)

These aren’t clerical errors. They’re systematic concealment of financial obligations from state oversight.

As documented in our March 21, 2025 investigation, this pattern of disclosure violations spans multiple years and properties, demonstrating systematic evasion of state oversight requirements.

SECTION 4: THE CRIMINAL ENTERPRISE BENEFITS AND LEGAL FRAMEWORK

Over $10.3 Million Extracted Through Fraud

James’s 40-year criminal enterprise extracted massive quantifiable benefits across three distinct phases:

• Phase 1 – Commission (1983-2023): Over $300,000 through favorable residential loan terms, federal HAMP modification, and reduced insurance rates
• Phase 2 – Concealment (2013-2025): Used government position to avoid accountability when violations were reported
• Phase 3 – Active Defense (2025): $10 million appropriation secured one day after FBI investigation confirmed—representing continued enterprise operations using government resources to defend against charges stemming from the original mortgage fraud scheme
• Total Enterprise Benefits: Over $10.3 million

As detailed in my May 21, 2025 analysis, these benefits are substantial and measurable across decades of systematic fraud.

The Legal Framework: Why Conviction Is Inevitable

18 U.S.C. § 1014: The Perfect Prosecution

• ✅ Knowingly false statement: August 2 email contradicts August 17 sworn declaration
• ✅ Made to influence financial institution: POA filed with mortgage documents
• ✅ Federally connected transaction: FHA-insured loan
• ✅ Defendant’s own lawyer confirms false declaration: Lowell’s April 24 admission to DOJ

In United States v. Muhammad (9th Cir. 2019), DOJ successfully convicted someone for false FHA occupancy declarations with far weaker evidence. James’s case provides written confession, government witnesses, defense lawyer admissions, and 40+ years of pattern evidence—dramatically stronger than any precedent.

Additional Federal Charges Available:

• Mail Fraud (18 U.S.C. § 1341): Filing false financial disclosures via mail while under federal investigation
• Wire Fraud (18 U.S.C. § 1343): Filing false disclosures electronically during active DOJ investigation
• False Statements (18 U.S.C. § 1001): Multiple false financial disclosure statements filed under penalty of perjury

18 U.S.C. §§ 1961-1968 (RICO): James’s 40-year enterprise using government office resources demonstrates stronger elements than successful prosecutions like U.S. v. Silver (14 years, $1.75M) and U.S. v. Gaskins (pattern fraud, $8.5M).

SECTION 5: THE ULTIMATE HYPOCRISY

Prosecuting Trump for Identical Conduct

The most damning aspect of this case is the timing. In securing a $355 million judgment against Trump, James declared: “The scale and scope of Donald Trump’s fraud is staggering. For years, he falsely inflated his net worth to enrich himself and cheat the system.”

Replace “net worth” with “occupancy status” and “enrich himself” with “secure favorable loan terms,” and James perfectly described her own conduct.

The Timeline of Hypocrisy:

• August 17, 2023: James signs false Virginia declaration under penalty of perjury
• September 26, 2023: NY court issues summary judgment finding Trump liable for fraud
• October 2, 2023: James launches Trump civil fraud trial—just 45 days after her own false declaration

While prosecuting Trump for property misrepresentations to financial institutions, James was simultaneously engaged in systematic mortgage fraud across multiple properties herself.

The “No One Is Above the Law” Test

James built her entire brand on this principle. The evidence now tests whether she meant it or whether it was always about prosecuting others while exempting herself. The accountability she demanded for Trump—financial misrepresentations to lenders, systematic patterns across multiple transactions, using sophisticated legal knowledge to enable fraud—applies equally to her own documented conduct.

If the law applies equally, the standard is clear.

SECTION 6: THE BOTTOM LINE – CONVICTION IS INEVITABLE

The Unassailable Evidence

After examining every document, testing every legal theory, and analyzing every potential defense, the conclusion is inescapable: Letitia James operated one of the longest-running mortgage fraud schemes in American political history.

The evidence isn’t circumstantial or ambiguous:

• Written confession: August 2 email proving knowledge that Virginia declaration was false
• Government witnesses: Two AG employees witnessed the perjury under penalty of perjury
• 40-year criminal pattern: Systematic fraud spanning multiple properties and decades
• Over $10 million in benefits: Quantified gains from fraudulent enterprise
• Fresh crimes during investigation: False statements and obstruction while under federal scrutiny
• Clear legal precedent: DOJ has convicted others for identical conduct with weaker evidence

Why Every Defense Fails

“It Was Just Paperwork Errors”: The August 2 email destroys this completely—12+ “errors” over 40 years, each benefiting James financially, with written proof of knowledge and intent.

“This Is Political Retribution”: The pattern spans 40+ years across multiple administrations. James’s own documentary evidence speaks for itself.

“Her Lawyer Provided Exonerating Evidence”: Abbe Lowell’s April 24 letter to DOJ confirming James told her broker she wouldn’t live in Virginia actually provided prosecutors with evidence of intent to commit fraud. When a defendant’s own lawyer confirms the false nature of sworn declarations, it eliminates any confusion or mistake defenses.

“No Harm Occurred”: Federal law requires only intent to deceive. Actual harm exceeds $10 million in quantified benefits, and James continues filing false disclosures while under investigation.

The Legal Standard Is Clear

Federal mortgage fraud statutes contain no exceptions for prosecutors. RICO doesn’t carve out attorneys general. Perjury is perjury, regardless of bar number or political position.

The investigation that began with questions about financial disclosures has evolved into federal criminal charges overseen by a special prosecutor because the evidence demanded it. From mortgage documents to federal indictments—this is how justice should work.

Final Messages

To Special Prosecutor Ed Martin: You have the strongest white-collar fraud case in modern history. Written confessions, government witnesses, 40-year criminal enterprise, over $10 million in benefits, fresh crimes during investigation, and clear legal precedent. The only question is whether you’ll apply the same standards to a sitting Attorney General that DOJ applies to ordinary citizens.

To the Department of Justice: Don’t be swayed by media manipulation campaigns or political pressure. James has been committing mortgage fraud since 1983. Her strategy is designed to convince you that prosecuting documented federal crimes would be political persecution. This is exactly how powerful criminals escape justice. The evidence and the law are what matter.

As I documented in my June 13, 2025 analysis, prestigious publications are systematically minimizing sworn declarations and ignoring government witnesses to provide cover for James. Don’t let narrative substitute for evidence.

To the American People: For someone who built her career on the principle that no one is above the law, Letitia James is about to discover just how right she was. The evidence speaks for itself. James’s lies speak volumes. Justice demands prosecution.

The federal crimes are documented. The enterprise is established. The pattern is undeniable. Conviction is inevitable.

The FHFA criminal referral that launched this federal investigation is based in large part on his independent investigative reporting grounded in irrefutable public records.

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Written by Sam Antar | Forensic Accountant & Fraud Investigator

© 2025 Sam Antar. All rights reserved.