SUMMARY

 

Federal Mortgage Fraud Indictment 

• Conspiracy to defraud the US government;

• Two counts of money laundering; and

• Two counts of bank fraud.

 

On June 15, 2010, the USA filed a five-count criminal suit against Ericka.  Other defendants were also charged in the same indictment.  The case was filed in federal court in the Western District of NC.  Ericka was “a promoter for a mortgage fraud cell”, as well as a mortgage broker for the mortgage fraud cell. The arrest warrant was successfully executed on June 15, 2010. 

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Background:  Between roughly September 2006 and about January 2008, seven individuals, including Ericka, worked together in a fraud involving buying homes at one price from builders, arranging buyers at a higher price, and then lying to get mortgages at the higher level.  Prices were generally inflated by $200,000 to $500,000.  At closing, the difference between the two prices was shared by fraud participants. Ericka was cited as being a promoter in the fraud case and was a mortgage broker for several Charlotte companies. She used her assumed name to receive money from the scam.  She reportedly paid bribes to bank employees.

 

On January 4, 2011, Ericka entered into a plea agreement admitting guilt to the counts in the Bill of Indictment for mortgage fraud conspiracy, bank fraud related to the mortgage fraud scheme, and money laundering conspiracy.

 

As part of the plea agreement, she was sentenced to spend 60 months on count 1 and 63 months on counts 5 and 15, with the terms to be served concurrently.  She was placed in the Alderson Federal Prison in West Virginia, a minimum-security facility, for a 63-month sentence.  

On or about March 22, 2012, Ericka, also known as Prisoner 21470-058, attempted to appeal her plea agreement, alleging that her counsel did not properly explain it to her.   Her motion was denied.

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Also on March 22, 2012, Ericka sued the US government to vacate her sentence, filing suit in the Western District of NC (Cause 3:12-cv-00186-MOC). The vacate motion was denied. 

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Restitution:  On August 11, 2011, Ericka was sentenced to 63 months of incarceration and ordered to pay a $300 special restitution assessment.  And, on February 17, 2011, a criminal judgment was entered against co-defendant Jamilia N. Brown, and restitution of $300,000 was ordered due to Tri-State Home Health Equipment and Services, Inc.  The judgment indicated that defendant Ericka L.  Flood (Lomick) and Landrick O.A. McClain are jointly and severally liable for the restitution.  

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On January 30, 2024, the US Assistant Attorney for the Western District of North Carolina filed a $300,000 lien against Ericka with the Tarrant County Clerk’s office, a result of a July 21, 2011 judgment. However, Ericka told the Fort Worth Report that she had never been convicted of a crime in any state.