Dave and Cris Neal From: Sent: To: Cc: Subject: Attachments: Matthew Murray <[email protected]> Wednesday, April 15, 2015 2:57 AM Nnm Protects Beverly Duran-Cash #1; Dave and Cris Neal #236; Heather & Terrence Nordquist #239; Martha Trujillo #143; Mary Woodson - Woodson Trust #51; Miquela F Sanchez; Deborah Tolar; Mike Menicks; Alex Trujillo; David Dogruel; Ed Pulliam; Flo Perkins; Jacob Mendez; Joseph Ortiz; Raymond McAllister; Steve Carson; Vicente Roybal; Erin R. Ortigoza; Jackie Fishman; Chrisann N. Romero; devin bent; Robert Griego; Eugene Young; Sharon Locke; [email protected]; Alexander Saunders; Orlando A. Romero; Shelley Brown; [email protected]; [email protected]; [email protected]; [email protected]; [email protected]; [email protected]; [email protected]; [email protected]; [email protected]; Fernando Quintana; [email protected]; [email protected]; [email protected] Worthless Property in El Rancho - Santa Fe County Commission Meeting 4/14/2015 2013-12-06-TrespassBIAtoCounty.pdf; 2014-01-07-SFcountytoBIAwithEasement.pdf; 2015-03-12-LoanDenial-15oliveLanePojoaqueElRanchoRedactedall.pdf; 2014-01-15CongressmanLettertoBIA.pdf; 2014-04-16-ResponsefromBIAtoLujan.pdf I presented my perspective Tuesday afternoon to the Santa Fe County Commission Meeting during the public comment section, Matters of Public Concern. I suggested the declaration of an emergency, allocation of emergency funds to hire a qualified law firm to file a federal suit, and active engagement of state and congressional delegations to ensure congressional action. After introducing myself as Matthew Murray living on exception 90 to the San Ildefonso Grant in El Rancho, I noted the motto above the commissioners, "Protect Property, Religion, and Language", and stated that my property has not been protected. Because I cannot get title insurance, my El Rancho property is worthless. I quoted from the December 6, 2013 Notice to Show Cause sent by the United States Department of the interior, via their Bureau of Indian Affairs Northern Pueblos Agency to the Santa Fe County Manager, "... must show cause why the County should not be immediately assessed trespass damages and why the County should not be evicted from the subject Pueblo lands." From the well written and researched reply by the County on January 7, 2014, I quoted from page two, "... the fact that hundreds of non-Pueblo residents live on the roads in question and the import of the "determination" by the BIA is to deprive those persons of access to their homes and businesses, title to which is derived from proceedings of the Pueblo Claims Board and the Federal Courts." From page three, I quoted, "The Bureaus' declaration is tantamount to a determination that many thousands of non-Pueblo residents in the Pojoaque no longer have legal access to their homes and businesses -- rendering those homes and businesses worthless -- and which was something the Pueblos Lands Act was intended to avoid." I told the commissioners, "As you predicted, my land is worthless!" I continued - Congressman Ben Ray Lujan, appealed to the United States Department of the Interior, but they rejected your claims, refused to withdraw the Notice to Show Cause, rejected your 1989 negotiated settlement with the Pueblo concerning the El Rancho bridge, and encouraged you to negotiate with San Ildefonso Pueblo while offering no assistance. The 1989 negotiated settlement might well be worthless due to a fatal flaw. Although it was signed by both the Santa Fe County Commission and the Pueblo, it was not signed by a Federal Judge, was not signed by the Secretary of the Interior, and it did not have congressional action to back it up. 1 I expressed my support for continued negotiations led by District One Commissioner Henry Roybal. I also urged caution in light of the three times market value easement tax extracted by the Pueblo from Jemez Electric Cooperative for the power poles. Because I cannot get title insurance without the exemption of no legal access due to the roads issue, I cannot: 1) refinance 2) sell 3) get a home improvement loan to replace my roof My home is worthless! Mechanical Liens by contractors are now worthless. Small home business owners can no longer use their properties for commercial bonding. A member of the Pojoaque Valley Planning Committee did not show up last night for the meeting because he had to go to Texas to find work. Although he recently won a construction contract, his home is no longer accepted as surety for his performance bond. His commercial vehicle insurance no longer covers driving on County Road 84. He has laid of his workers and the tax revenue from this business has stopped. A leading cause of family bankruptcies is medical bills. 18 months ago I had a thymoma the size of my fist cut out of of the center of my chest for $190,000. A lot of residents in the Pojoaque Valley do not have the insurance to cover major medical expenses. Now that they cannot put up their homes for a medical loan, this can now literally become a matter of life and death for some residents. If I die, my children cannot pay the mortgage and they cannot sell. My property will go into foreclosure. The bank will not be able to sell it either. Half of us get divorced. How does that work when neither spouse can buy out the other and they cannot not sell the property? I told the commissioners that their title to the El Rancho Roads has been slandered and so has the title to my property. I told them I had voted for the bonds which they sold this morning but I was filing a protest against my assessed valuation because my property is now worthless, just as they predicted. I expressed regret for the damage this will do to the bonding capacity of the Pojoaque Valley School District. I wondered out loud, how are we then going to pay for the new fire station, new police substation, increased police protection, the new water system, and other county services? If hundreds or thousands of other residents successfully show their properties to be worthless, how does that affect county's ability to sell bonds? Note: At the end of the preceding budget meeting, the commissioners and staff congratulated each other for the wonderfully successful bond sale Tuesday morning, due in large part to the county's great credit rating and a 2% projected growth in property taxes. I rhetorically asked the commissioners what they were going to do when they get letters from all of the other tribal entities in the county. I urged them to take the United States Department of the Interior seriously when they are threatened with eviction and not just to treat it as rhetoric. Addressing the commissioners - If the El Rancho bridge was washed away, you would declare an emergency, allocate emergency funding, and seek state and federal relief. I submit that this issue has gone on for more than a year and it has now become an emergency justifying the allocation of emergency funds to hire a qualified law firm, specializing in these matters, to file in federal court. We cannot wait 49 years like we have been for the water rights to be resolved. I submit that you should continue to negotiate and then settle in Federal District 2 Court. In addition to getting the Secretary of the interior to sign off on the agreement, you should also seek congressional action. Note: Prior to the meeting, the attached loan denial and title insurance document was reviewed by the county attorney to ensure I had sufficiently redacted Personally Identifiable Information. Then the county clerk was given permission to enter it into the formal record. She passed out copies to the commissioners and staff during my presentation. Following my comments, District One Commissioner Henry Roybal thanked me and made a few comments. He noted that he too lives in El Rancho and is equally impacted. He is committed to negotiating with San Ildefonso Pueblo. Relating a recent conversation with the Pueblo Governor, he updated us as to the status of the overdue survey effort by the Pueblo. Commission Chairman Robert Anaya also expressed thanks. He asked the county attorney if a federal judge was needed. After being put on the spot and following a very long pause, the attorney was not able to give clear path forward because the issue is too complex. Note: The above was written from memory and not an exact record of what I said to the commission while speaking extemporaneously. To those affected by this issue: You must each express the impact this has upon you to your elected officials at the school district, county, state, and federal levels. With all the other pressing issues needing attention, this issue cannot be taken seriously by our elected officials unless hundreds of residents continuously keep them informed of the catastrophic consequences. 3 STATEMENT OF CREDIT DENIAL, TERMINATION OR CHANGE Pojoaque Valley El Rancho, north side Exception 90 to the San Ildefonso Pueblo Grant APPLICANT'S NAME: Matthew Miles Murray ADDRESS 15 Olive Ln CITY. STATE. ZIP Santa Fe, NM 87506 Originator NMLS ID: I. Description of Account, Transaction, or Requested Credit: Mortgage Loan Application II. Description of Action Taken: Application Denied Denied III. Principal Roason(s) for Credit Denial, Termination or Other Action Taken Concerning Credit. This section must be completed in all instances A. Credit file No ___ Insufficient number of credit references Limited credit _ Poor credit performance with us credit provided experience ~~l Delinquent past or present credit obligations with others I I Bankruptcy Garnishment or attachment Foreclosure or repossession Collection action or judgment Unacceptable type of credit references provided Unable to verify credit references Number of recent inquiries on credit bureau report B. Income and Employment __ Unable to verify income Income insufficient for amount of credit requested Excessive obligations in relation to income __ Unable to verify employment Temporary or irregular employment _] Length of employment C. Residence s a Length of residence Unable to verify residence I I Temporary res No Legal Access No Clear Title D. Other Credit application incomplete Value or type of collateral not sufficient X l Specify Title company cannot ensure clear access to the property. _ IV. Disclosure of Use of Information Obtained from an Outside Source: I I Disclosure inapplicable fxl Our credit decision was based in whole or in part on information obtained in a report from the consumer reporting agency listed below You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency The reporting agency played no part In our decision and is unable to supply specific reasons why we have denied credit to you You also have a right to a free copy of your report from the reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency Name: Street Address City. State. Zip Experian Consumer Relations PO Box 2002 Allen. TX 75013 Telephone Number (888) 397-3742 Name: Street Address: City, State, Zip: Equifax Consumer Relations PO Box 740241 Atlanta, GA 30374 Telephone Number: (800) 685-1111 Name: Street Address: City. State. Zip Telephone Number TransUnion Consumer Relations PO Box 1000 Chester, PA 19022 (800)916-8800 (If the Consumer Reporting Agency compiles and maintains files on consumers on a nationwide basis, provide a toll-free telephone number.) fx~l We also obtained your credit score from Experian Consumer Relations and used it in making our credit decision. Your credit score is a number that reflects the information in your consumer report Your credit score can change, depending on how the information in your consumer report changes. Your credit score:| Date 01/14/2015 Scores range from a low of 320 to a high of 844 If you have any questions regarding your credit score, you should contact Experian Consumer Relations at PO Box 2002, Allen, TX 75013, (888)397-3742 I I Our credit decision was based in whole or in part on information obtained from an affiliate or from an outside source other than a consumer reporting agency. Under the Fair Credit Reporting Act, you have the right to make a written request, no later than 60 days after you receive this notice, for the disclosure of the nature of this information. If you have any questions regarding this notice, you should contact: Contact s Name: Creditor’s Name: Address: Telephone Number: V. ECOA Notice The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex. marital status, age (provided that the applicant has the capacity to enter into a binding contract): because all or part of the applicant's Income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal Agency that administers compliance with this law concerning this creditor is: Agency Office of the Comptroller of the Currency, Customer Assistance Group 1301 McKinney Street, Suite 3450 Houston, TX 77010-9050 Notice Date CZ) Mailed Q Delivered March 12. 2015 By My bank requested the title company remove exception 13 From: Title Company Sent: To: My Bank Cc: Subject: Title Companies have these problems: 1) Tribes stating roads are no longer public 2) Tribes threatening to shut down roads 3) Tribes demanding a payoff Friday, March 06. 2015 10:55 AM RE: 15 Olive In., Santa Fe, NM 87506/ Good Morning Unfortunately we are not able to remove that exception at this time. I am sorry this has been a problem with a lot of the properties up north. There is a problem with a couple of the tribes raising a problem stating that the roads are no longer public therefore they are threatening to shut them down and landlock all the homeowners unless they receive some money. So it is all being litigated at this time but we do not have an outcome. So the title companies are put in a bind until it gets worked out which I am hoping happens SOON. Thanks Officer ITitle - Santa Fe Sent: Friday, March 06, 2015 10:44 Santa Fe, NM AM title' Subject: REÿÿlivÿjj, Santa Fe, NM 87506/ÿÿÿHH From My Bank To the Title Company Can you please update me on the above file? Do we may be at least have an idea when we will find out about the exception being removed or not? Please inform. Thank you, Mortgage Loan Processor CONFIDENTIALITY NOTICE: The information contained in this message and in any attached documents is privileged information and/or other confidential information intended only for the use of the individual or entity named above. If the reader of this message is not the intended recipient, or the employee or agent responsible to deliver it to the intended recipient you are hereby notified that any dissemination, distribution or copying of this communication is strictly l See exception 13 (bottom of the next to last page continued on the top of last page) for the deal killer. ALTA Commitment Form COMMITMENT FOR TITLE INSURANCE ISSUED BY ITLE GUARANTY COMPANY (“Company*), for a valuable consideration, commits to issue its policy or policies of title insurance, as identified in Schedule A, in favor of the Proposed Insured named in Schedule A, 8S owner or mortgagee of the estate or interest in the land described or referred to in Schedule A, upon payment of the premiums and charges and compliance with the Requirements; all subject to the provisions of Schedules A and B and to the Conditions of this Commitment. This Commitment shall be effective only when the identity of the Proposed Insured and the amount of the policy or policies committed for have been inserted in Schedule A by the Company. All liability and obligation under this Commitment shall cease and terminate six months after the Effective Date or when the policy or policies committed for shall issue, whichever first occurs, provided that the failure to Issue the policy or policies is not the fault of the Company. The Company will provide a sample of the policy form upon request. This Commitment shall not be valid or binding until countersigned by a validating officer or authorized signatory. Guaranty Company has caused its corporate name and seal to be affixed by its duly IN WITNESS WHEREOF. authorized officers on the date shown in Schedule A. Countersigned by: title guaranty company iecretary CONDITIONS 1. The term mortgage, when used herein, shall include deed of trust, trust deed, or other security instrument. 2. If the proposed Insured has or acquired actual knowledge of any defect, lien, encumbrance, adverse claim or other matter affecting the estate or interest or mortgage thereon covered by this Commitment other than those shown in Schedule B hereof, and shall fail to disclose such knowledge to the Company in writing, the Company shall be relieved from liability for any loss or damage resulting from any act of reliance hereon to the extent the Company is prejudiced by failure to so disclose such knowledge. If the proposed Insured shall disclose such knowledge to the Company, or if the Company otherwise acquires actual knowledge of any such cefect, lien, encumbrance, adverse claim or other matter, the Company at its option m8y amend Schedule B of this Commitment accordingly, but such amendment shall not relieve tne Company from liability previously Incurred pursuant to paragraph 3 of these Conditions and Stipulations. 3. Liability of the Company under this Commitment shall be only to the named proposed Insured and such parties included under the definition of Insured in the form of policy or policies committed for and only for actual loss incurred in reliance hereon in undertaking in good faith (a) to comply with the requirements hereof, or (b) to eliminate exceptions shown in Schedule B, or (c) to acquire or create the estate or interest or mortgage thereon covered by this Commitment. In no event shall such liability exceed the amount stated in Schedule A for the poficy or policies committed for and such liability is subject to the insunng provisions and Conditions and Stipulations and the Exclusions from Coverage of the form of policy or policies committed for in favor of the proposed Insured which are hereby incorporated by reference and are made a part of this Commitment except as expressly modified herein. 4. This Commitment is a contract to issue one or more title insurance policies and is not an abstract of title or a report of the condition of title. Any action or actions or rights of action that the proposed Insured may have or may bring against the Company arising out of the status of the title to the estate or interest or the status of the mortgage thereon covered by this Commitment must be based on and are subject to the provisions of this Commitment. 5. The policy to be issued contains an arbitration clause AH arbitrable matters when the Amount of Insurance is $2, 000,000 or less shall be arbitrated at the option of either the Company or the Insured as the exclusive remedy of the parties. You may review a copy of the arbitration rules at< MinYAmvw.tttfa orn/> All notices requiredtobegiventheCompanyandanystatement in writing required to be furnished the Company shall be to at Pursuant to the New Mexico Title Insurance Law §59A- -4 NMSA 1978, Control and supervision by superintendent and Title Insurance Regulation $13.14.18.10, NMAC, no part of any title insurance commitment, policy or endorsement form may be added to, altered, inserted in or typed upon, deleted or otherwise changed from the title insurance form promulgated by the New Mexico Superintendent of Insurance, nor issued by a person or company not licensed with regard to the business of title insurance by the New Mexico Superintendent of Insurance, nor issued by a person or company who does not own, operate or control an approved title abstract plant as defined by New Mexico law and regulations for the county wherein the property is located. COMMITMENT FOR TITLE INSURANCE SCHEDULE A File No.: 1. Effective Date: January 30, 2015 at 8 00 A M 2. Policy or Policies to be issued: (a) A L T A. Owner’s Policy 20C6 (Standard) (b)A,L.T.A. Loan Policy 2006 (Standard) Amount of Insurance S| (00.00 Proposed Insured. iBank, its successors and assigns 3. The estate or interest in the land described or referred to in this Commitment and covered herein is: Fee Simple 4. Title to the said estate or interest in said land is at the effective date hereof vested in: Matthew M. Murray 5. The land referred to in this Commitment is described as follows: All of Tract “A1." as shown on, "Plat of Survey for Mathew Murray & James Blossom Portion of Exception 90, P C. 36. P. 4 within the San lldefonso Pueblo Grant in Sections 4 & 9, T19N, R8E, N.M.P.M Santa Fe County, New Mexico." filed for record as Document Number 582,092, appearing in Plat Book 160, Page 014, records of Santa Fe County, New Mexico. COMMITMENT FOR TITLE INSURANCE SCHEDULE B PARTI File No. The following are the requirements to be complied with: . 1 Payment of the full consideration to, or for the account of, the grantors or mortgagors. 2. Payment of all taxes, charges, assessments, levied and assessed against subject premises, which are due and payable. 3. Satisfactory evidence should be had that improvements and/or repairs or alterations thereto are completed; that contractor, subcontractor, labor and materialmen are all paid. 4. Instruments necessary to create the estate or interest to be insured must be properly executed, delivered and duly filed for record, to wit: a. Pay ad valorem taxes assessed under account number 036004468, records of Santa Fe County, New Mexico. b. Release of Mortgage, from Matthew M. Murray to recorded as Instrument No. of Santa Fe County. New Mexico cÿxecution and recordation of Mortgage from Matthew M. Murray (indicate marital status) t( securing its loan. d. Obtain a current improvement Location Report if Standard Exception 2 and 3 (Survey Protection) is to be deleted. 5. Provide this Company with official identification of all parties involved in this transaction before or at closing. COMMITMENT FOR TITLE INSURANCE SCHEDULE B PART II File No. Standard exceptions 1, 2, 3 and or 4, may be deleted from any policy upon compliance with all provisions of the applicable rules, upon payment of all additional premiums required by the applicable rules, upon receipt of the required documents and upon compliance with the company’s underwriting standards for each such deletion. Standard exception 5 may be deleted from the policy If the name insured in the case of an owner’s policy, or the vestee, in the case of a leasehold or loan policy, is a corporation, a partnership, or other artificial entity, or a person holding title as trustee. Except for the issuance of a U S policy form (NM7 or NM34), any policy to be issued pursuant to this commitment will be endorsed or modified in schedule 8 by the company to waive its right to demand arbitration pursuant to the conditions and stipulations of the policy at no cost or charge to the insured The endorsement or the language added to schedule B of the policy shall read: 'In compliance with Subsection D of 13.14.18.10 NMAC, the company hereby waives its right to demand arbitration pursuant to the title Insurance arbitration rules of the American land title association. Nothing herein prohibits the arbitration of all arbitrable .matters when agreed to by both the company and the insured." Schedule B of the policy or policies to be issued will contain exceptions to the following matters unless the same are disposed of to the satisfaction of the Company: 1. Right or claims of parties in possession not shown by the public records. 2. Easements or claims of easements, not shown by the public records. 3. Encroachments, overlaps, conflicts in boundary lines, shortages in area, or other matters which would be disclosed by an accurate survey and inspection of the premises. 4. Any lien, claim or nght to a lien, for services, labor or material heretofore or hereafter furnished, imposed by law and not shown by the public records. 5. Community property, survivorship, or homestead nghts, if any, of any spouse of the insured (or vestee in a leasehold or loan policy) 6. [RESERVED) 7. Water rights, claims or tide to water, 8. [RESERVED] 9. Taxes for the year 2015, and thereafter. 10. Defects, liens, encumbrances, adverse claims or other matters, if any, created first appearing in the public records or attaching subsequent to the Effective Date hereof but prior to the dare the proposed Insured acquires for value of record the estate or interest or mortgage thereon covered by the Commitment. 11. All matters that may be shown on an Improvement Location Report or survey of the property, if one is provided to the title company. 12. Minerals of whatsoever kind, subsurface and surface substances, including but not limited to coal, lignite, oil, gas. uranium, clay, rock, sand and gravel in, on, under and that may be produced from the Land, together with an rights, privileges, and immunities relating thereto, whetner or not appearing in the Public Records or listed in Schedule B. The Company makes no representation as to the present ownership of any such interests. There may be leases, grants, exceptions or reservations of interests that are not listed. 13. Any right, title or interest of any federally recognized Native Exception 13 Americantÿbal group or association The deal killer to any parcel of Exception 13 continued COMMITMENT FOR TITLE INSURANCE _ SCHEDULE B PART II The deal killer property used for the purpose of ingress and egress to subject tract. 14. Title to the mobile home presently located on the above described land is not insured herein and any loss or damage suffered as a result of the transfer of title to the mobile home or the removal of the mobile home from the above described land is not insured herein. 15. Rights of parties in possession, daimed by or through any leasehold instrument or assignment thereof, not shown by the public records. 16. Easement Matthew M. Murray and Barbara Murray to Jemez Mountains Electric Cooperative, Inc., dated 30 December 1985 recorded in Book 542 Misc., Page 776, records of Santa Fe County, New Mexico. 17. Easement. Matthew Murray anc Baroara Murray to Jemez Mountains Electric Cooperative, dated 4 April 1986 recorded in Book 555 Misc., Page 776, records of Santa Fe County. New Mexico 18. Twenty (20) foot wide ingress and egress easement running along the easterly boundary of tract as shown on, "Plat of Survey for Mathew Murray & James Blossom Portion of Exception 90, P.C. 36, P. 4 within the San lldefonso Pueblo Grant in Sections 4 & 9, T19N. R8E, N.M.P.M. Santa Fe County, New Mexico," filed for record as Document Number 582,092. appearing in Plat Book 160, Page 014, records of Santa Fe County, New Mexico. 19. Encroachment of wall onto twenty foot wide ingress and egress easement, utility lines running through tract, utility poles and other appurtenant accessories as situated thereon, all as contained on Surveyor's Inspection Report, prepared by Moms A Apodaca. NMPS No. 5300, dated 23 July 1993, as SIR No. 93-216. End of Schedule B In compliance with Subsection D of 13.14.18.10 NMAC, the Company hereby waives its right to demand arbitration pursuant to the Title Insurance Arbitration rules of the American Land Title Association. Nothing herein prohibits the arbitration of all arbitrable matters when agreed to by both the Company and the Insured.
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