Mortgage Fraud
Houston Mortgage Fraud Lawyer: Federal & State White Collar Defense
In the wake of shifting banking regulations and increased scrutiny on the housing market, mortgage fraud has become a primary target for federal and state law enforcement agencies. Because these financial crimes often involve complex webs of lending metrics, property appraisals, and institutional paperwork, a legitimate business transaction or a minor paperwork oversight can easily be misconstrued as intentional deception. Whether an investigation stems from alleged industry insider schemes such as equity skimming and property flipping or from individual misrepresentations in a loan application, the legal stakes are exceptionally high. Navigating these aggressive prosecutions under federal statutes like 18 U.S.C. § 1014 requires an immediate, sophisticated defense strategy to safeguard your assets, protect your professional license, and preserve your liberty.
For well over a decade, and prior to the recent explosion of mortgage fraud investigations and prosecutions, Houston Criminal Defense Attorney John T. Floyd has represented individuals and businesses charged with, or under investigation for, criminal activity associated with the mortgage loan industry. Mr. Floyd has been relied upon and quoted in national news publications and on financial news networks for his experience and expertise in the mortgage fraud arena.
Sub-Prime Housing Collapse:
Mortgage Fraud Major Target for Law Enforcement
The FBI reports that “the increased reliance by both financial institutions and non-financial institution lenders on third-party brokers has created opportunities for organized fraud groups, particularly where mortgage industry professionals (“insiders”) are involved.”
The FBI has consolidated all its “mortgage fraud” programs within its Financial Institution Fraud Unit to protect the impact that the mortgage lending industry and housing market have on the nation’s economy. Mortgage fraud investigations have dramatically increased over the past five years. The agency reports that every mortgage fraud scheme involves some type of “material misstatement, misrepresentation, or omission relating to the property or potential mortgage relied on by an underwriter or lender to fund, purchase, or insure a loan.”
The potential for fraud is evident by the amount of money involved in underwriting the housing industry over the past decade. The Mortgage Bankers Association reported that an estimated $2.37 trillion will be made in mortgage loans in 2006. Through Suspicious Activity Reports (SARs) filed by federally insured financial institutions and the Department of Housing and Urban Development Office of Inspector General (HUD-OIG), the FBI compiles data on mortgage fraud and gathers additional data from the mortgage industry itself. The FBI cites the difficulties faced in developing mortgage fraud cases:
“A significant portion of the mortgage industry is void of any mandatory fraud reporting. In addition, as initial mortgage products are repackaged and sold on secondary markets, the sale of the mortgages often conceals or distorts the fraud, preventing it from being reported. Therefore, the true level of Mortgage Fraud is largely unknown. The mortgage industry itself does not provide estimates on total industry fraud. However, based on various industry reports and FBI analysis, Mortgage Fraud is pervasive and growing.
“The FBI investigates Mortgage Fraud in two distinct areas: Fraud for Profit and Fraud for Housing. Fraud for Profit is sometimes referred to as “Industry Insider Fraud,” and the motive is to reverse equity, falsely inflate the property’s value, or issue loans based on fictitious properties. Based on existing investigations and Mortgage Fraud reporting, 80 percent of all reported fraud losses involve collaboration or collusion by industry insiders.”
Fraud for Housing is illegal conduct by the borrower, motivated by the desire to acquire and own a home, carried out under false pretenses. This type of fraud is usually committed by a borrower who misrepresents income or employment history to qualify for a loan.
Fraud for Housing is almost a misdemeanor compared to the predatory lending practices that affect borrowers in Fraud for Profit cases. “Predatory lending typically affects senior citizens, lower-income and challenged-credit borrowers,” reports the FBI. This type of lending forces borrowers to pay sub-prime or higher interest rates, exorbitant loan origination/settlement fees, and unreasonable service fees in some states. These predatory lending practices frequently force borrowers to default on their mortgages, leading to foreclosure, or into unfavorable refinancings.
There are many varied mortgage fraud schemes, some of which are enormously complex, as the one outlined by the Second Circuit in Amico (cited below). Because of a sudden explosion of sophisticated mortgage fraud schemes in recent years, the FBI and the mortgage industry found themselves behind the eight ball and were forced to accelerate their joint efforts to identify fraud trends and educate the public about them. The two most recent trends are listed below:
- Equity skimming – a tried and true method involving the use of corporate shell companies, corporate identity theft, and the use or threat of bankruptcy/foreclosure to dupe homeowners and investors.
- Property flipping – a well-known but increased method involving an educated criminal element that uses identity theft, straw borrowers, shell companies, and industry insiders (to conceal their methods and override lender controls) to purchase properties and artificially inflate their value through false appraisals. The inflated-value properties are then repurchased several times for higher prices by associates of the “flipper.” Following three or four “sham sales,” the properties are foreclosed on by victim lenders
The FBI since 1999 “has been actively investigating Mortgage Fraud in various cities across the U.S. The FBI also focuses on fostering relationships and partnerships with the mortgage industry to promote awareness of mortgage fraud. To raise awareness of this issue and provide easy access for investigative personnel, the FBI has provided points of contact to relevant groups, including the Mortgage Bankers Association (MBA), the Mortgage Asset Research Institute, the Mortgage Insurance Companies of America, Fannie Mae, Freddie Mac, and others.
“The FBI has also been working to establish broader SAR reporting requirements for mortgage lenders who do have adequate protection under the current safe harbor provisions. The FBI is collaborating with the mortgage industry and Financial Crimes Enforcement Network (FinCEN) to create a more productive reporting requirement for Mortgage Fraud. The FBI has also been working with the FinCEN to promote an efficient and effective method of identifying and reporting fraudulent mortgage activity affecting non-federally insured mortgage institutions.”
While there are many different mortgage fraud schemes, the FBI is focusing its primary efforts on weeding out those supported by industry insiders. The agency works closely with both individual lenders and national associations such as the MBA, Appraisal Institute, National Association of Mortgage Brokers, and the National Notary Association to identify and target these insiders. This close cooperation with lenders has proven invaluable to the FBI. In 2003, the agency worked with Real Estate Owned properties from lender inventories to initiate an undercover operation in Jacksonville, Florida. Ten months later, the FBI, armed with seven warrants, arrested a mortgage broker named J.R. Parker and a closing attorney named Dale Beardsley in connection with a mortgage fraud scheme. In October 2005, both men were convicted of conspiracy, mail fraud, and wire fraud– and the government seized two homes valued at $1 million each, six luxury cars, and secured a money judgment in the amount of $14 million. The FBI tries to employ the same model of cooperation with local financial institutions across the country to make mortgage fraud cases.
The FBI reports that a “regional analysis of suspicious activity reports (SARS) indicating Mortgage Fraud violations indicates the West region of the U.S. led the nation with 35.9 percent of Mortgage Fraud-related SARs filed during FY 2006. The Central, Southeast, and Northeast regions accounted for 24.7, 22.6, and 16.9 percent of Mortgage Fraud-related SAR filings, respectively. However, FBI pending cases indicated that the Central region had the largest share of Mortgage Fraud cases, at 33.3 percent in 2006. The West, Southeast, and Northeast had 26.7%, 27.2%, and 12.8%, respectively. FBI pending cases by region are consistent with Mortgage Asset Research Institute (MARI) reporting which indicated that five of the top ten Mortgage Fraud affected states in 2006 were located in the Central region.” The following is a yearly listing of the number of mortgage fraud SARS received and the dollars lost in millions:
Mortgage Fraud:
- Fiscal year 2002 – 5,623 [$293]
- Fiscal year 2003 – 6,936 [$225]
- Fiscal year 2004 – 17,127 [$429]
- Fiscal year 2005 – 21,994 [$1,014]
- Fiscal year 2006 – 35,617 [$926]
Commercial Loan Fraud:
- Fiscal year 2002 – 1,764 [$1,010]
- Fiscal year 2003 – 1,850 [$1,060]
- Fiscal year 2004 – 1,724 [$1,163]
- Fiscal year 2005 – 2,126 [$711]
- Fiscal year 2006 – 2,409 [$540]
False Statement:
- Fiscal year 2002 – 3,711 [$469]
- Fiscal year 2003 – 4,569 [$388]
- Fiscal year 2004 – 6,784 [$458]
- Fiscal year 2005 – 11,611 [$998]
- Fiscal year 2006 – 21,203 [$1,042]
The following is a list of mortgage fraud indicators compiled by the FBI and lender institutions:
- Inflated appraisals
- Exclusive use of one appraiser
- Increased commissions/bonuses – brokers and appraisers
- Bonuses paid (outside or at settlement) for fee-based service
- Higher than customary fees
- Falsifications on loan applications
- Buyers told/explained how to falsify the mortgage application
- Requested to sign blank application
- Fake supporting loan documentation
- Requested to sign blank employee or bank forms
- Requested to sign other types of blank forms
- Purchase loans disguised as refinances
- Requires less documentation/lender scrutiny
- Investors- short-term investments with guaranteed repurchase
- Investors used to flip property prices for fixed percentage
- Multiple “holding companies” utilized to increase property values
Mortgage fraud has contributed significantly to the housing market collapse in 2006/2007. Homeowners were driven by a “fool’s gold” belief that their homes were worth more than they actually were, and lenders were eager to underwrite “risky” loans to those who wanted a piece of the “housing boom.” It created a climate ripe for fraud. In addition to the equity skimming and property flipping schemes, the FBI has listed other popular mortgage fraud schemes prevalent in record years:
- Silent second – the buyer of a property borrows the down payment from the seller in a non-disclosed second mortgage, leading the primary lender to believe the borrower has invested their own money by concealing the second mortgage from the primary lender.
- Nominee loans/straw buyers – borrower’s identity is concealed through use of nominee who allows borrower to use nominee’s name/credit history to apply for a loan.
- Fictitious/stolen identity – fictitious/stolen identity used on loan application, often by applicant who has stolen someone’s identity, personal ID information, and credit history.
- Inflated appraisals – acting in concert with the borrower, the appraiser provides the lender with a misleading appraisal report that inflates the property value.
- Foreclosure scheme – the homeowner is identified as being at risk of defaulting on the loan or already in foreclosure, and the schemer leads the homeowner into believing he can save the home with a deed transfer and up-front fees. The schemer then either remortgages the home or pockets the upfront fees.
Air loans – a non-existent loan where there is no collateral. A broker generally invents borrowers and properties, maintains accounts for payments, and has custodial accounts for escrows. The broker sets up an office with telephones for the employer, appraiser, credit agency, etc., for verification purposes.
Mortgage fraud is defined and prohibited in 18 U.S.C.A. § 1014:
“Whoever knowingly makes any false statement or report, or willfully overvalues any land, property or security, for the purpose of influencing in any way the action of the Farm Credit Administration, Federal Crop Insurance Corporation or a company the Corporation reinsures, the Secretary of Agriculture acting through the Farmers Home Administration or successor agency, the Rural Development Administration or successor agency, any Farm Credit Bank, production credit association, agricultural credit association, bank for cooperatives, or any division, officer, or employee thereof, or of any regional agricultural credit corporation established pursuant to law, or a Federal land bank, a Federal land bank association, a Federal Reserve bank, a small business investment company, as defined in section 103 of the Small Business Investment Act of 1958 (15 U.S.C. 662), or the Small Business Administration in connection with any provision of that Act, a Federal credit union, an insured State-chartered credit union, any institution the accounts of which are insured by the Federal Deposit Insurance Corporation, the Office of Thrift Supervision, any Federal home loan bank, the Federal Housing Finance Board, the Federal Deposit Insurance Corporation, the Resolution Trust Corporation, the Farm Credit System Insurance Corporation, or the National Credit Union Administration Board, a branch or agency of a foreign bank (as such terms are defined in paragraphs (1) and (3) of section 1(b) of the International Banking Act of 1978), or an organization operating under section 25 or section 25(a) of the Federal Reserve Act, upon any application, advance, discount, purchase, purchase agreement, repurchase agreement, commitment, or loan, or any change or extension of any of the same, by renewal, deferment of action or otherwise, or the acceptance, release, or substitution of security therefore, shall be fined not more than $1,000,000 or imprisoned not more than 30 years, or both. The term ‘State-chartered credit union’ includes a credit union chartered under the laws of a State of the United States, the District of Columbia, or any commonwealth, territory, or possession of the United States.”
59 C.J.S. Mortgages § 123 (2007) sets forth the following circumstances under which “mortgage fraud” may be perpetrated in a civil law context and the requirements necessary to establish fraud in a criminal case:
- The mortgagor is the subject of fraud when the mortgagee has knowledge about, and participates in, the fraud.
- The owner of land is the subject of fraud when, by misrepresentation or concealment, he executes a mortgage without being fully and truly informed of the circumstances and would not have executed the mortgage absent the misrepresentation or concealment.
- The individual attacking a mortgage allegedly secured through fraud must prove all the essential elements of fraud.
- The essential elements of fraud under 18 U.S.C. § 1014 are (1) making a false statement or report on any application, commitment or loan, (2) knowing that such statement is false, and (3) for the purpose of influencing in any way action of any bank the deposits of which are insured by the Federal Deposit Insurance Corporation. See: United States v. Nelson, 485 F.Supp. 941 (W.D. Mich. 1980).
- A mortgage is not invalidated by fraud which causes no injury, and so long as the mortgage accomplishes what the parties intended, it is valid and the mortgagor bound by it even though he was misled as to its nature or effect.
- A misrepresentation must relate to a material fact in order to constitute fraud necessary to invalidate a mortgage. Mere broken promises or unfulfilled predictions are insufficient.
Mortgage fraud schemes in criminal cases are generally complex. The Second Circuit Court of Appeals in United States v. Amico, 416 F.3d 163 (2nd Cir. 2005) discussed such a scheme involving a number of individuals:
“Peters participated in a complex scheme to defraud federally insured banks and private mortgage lenders by using false information to obtain mortgages at inflated prices. In his role as a mortgage broker, Peters knowingly submitted loan applications containing false information to lenders. He also knowingly failed to report income on his tax returns and made material misrepresentations in his children’s applications for college grants…
”As for the defendant’s objection to the court’s application of the sophisticated means enhancement, U.S.S.G. § 2F1.1(b)(6)(C), there can be no doubt that the mortgage fraud scheme was highly complex. Peters’ counsel conceded before the district court that the scheme involved sophisticated means designed to prevent detection. These included the creation of false bank documents; the solicitation and creation of false appraisals; the creation of false blueprints; submission of false blueprints to town officials in order to inflate the assessment of comparable home values; collusion with the attorney representing many of the purchasers at closing; and other tactics designed to conceal the scheme…”
In a companion case involving some of the same individuals, the Second Circuit in United States v. Amico, 486 F.3d 764 (2nd Cir. 2007) elaborated further on the mortgage fraud scheme outlined above:
- “In December 2000, the Amico brothers, their father, Robert A. Amico (‘Robert Sr.’), Patrick McNamara, and others were charged in a multiple-count indictment with conspiracy to defraud banks and private mortgage lenders by falsifying loan applications and misrepresenting the value of properties offered as collateral. The indictment also alleged that the defendants submitted false information on loan applications for borrowers, including themselves. The government alleged that Patrick McNamara, a mortgage broker, and Robert Sr., a builder, were the driving forces behind the scheme, which originated around 1993. During the course of the scheme, mortgages were obtained from various lenders for more than 100 homes using false documentation. In many cases, the mortgage amounts exceeded the value of the properties being purchased. Some of the purchasers were apparently willing participants in the fraud, while others were unaware that false information had been submitted on their behalf. At trial, Richard’s main defense was that he was not involved in the scheme and that he too had been misled by McNamara, who typically prepared false documents without Richard’s knowledge.” Id., at 767.
Edward M. Gramlich, a Federal Reserve official who wrote extensively about the housing/mortgage industry, put out early warning signals in May 2004 about a potential housing industry collapse when he declared that “increased sub-prime lending has been associated with higher levels of delinquency, foreclosure and, in some cases, abusive lending practices.” As early as 2000, Gramlich was encouraging then-Fed Chairman Alan Greenspan to increase “oversight” of subprime lending, to no avail.
A new report from Congress’ Joint Economic Committee predicts 2 million sub-prime foreclosures by the end of 2007. Investors such as Merrill Lynch, who bought assets backed by sub-prime loans, have been forced to write off many of the loans at staggering losses – $8.4 billion for Merrill Lynch alone. Greed fueled the sub-prime fiasco – in 2003, sub-prime lending accounted for only 8.5 percent of the value of mortgages in this country, but in 2005-06, during the peak of the housing boom, sub-prime lending accounted for 20 percent of the total value of mortgages.
Just before his death from cancer, Gramlich wrote that the “sub-prime market was the Wild West. Over half the mortgage loans were made by independent lenders without any federal supervision.”
“Why are the most risky loan products sold to the least sophisticated borrowers,” Gramlich asked in his final paper. “The question answered itself – the least sophisticated borrowers are probably duped into taking these products [and] the predictable result was carnage.”
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Contact a Houston Mortgage Fraud Defense Attorney
An investigation into mortgage lending practices can quickly put your career, financial assets, and freedom on the line. Do not attempt to explain your business practices to federal investigators or state prosecutors without an experienced advocate by your side. The John T. Floyd Law Firm delivers aggressive, sophisticated white-collar defense to individuals and corporate entities facing high-stakes financial allegations. Contact our Houston office today at 713-224-0101, email us at jfloyd@johntfloyd.com, or visit us at 3730 Kirby Drive, Suite 750, Houston, Texas 77098 to schedule a confidential consultation and start building your defense strategy.
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What I liked the most was that he actually returned my phone after leaving a message unlike pretty much everyone else I called prior. He listened and answered my question with the best … More advice that would benefit me the most. I was actually lost from moving to Texas from a different state we’re laws vary and he pointed me toward the right direction to get a understanding of if I need to do business with him now or after I contact a lawyer in my home state.
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John represented me in court for roughly 2 years. I won't (and shouldn't) get into any serious details, but let me tell you that I couldn't have chosen anyone better. … More Seriously.Every appearance in court I felt very comfortable. The judge and DA's had a high regard for his reputation. There is a time I recall where simply his presence greatly impacted the court's interpretation of my case and persons. We were in front of the stand and the judge could not stop talking about John's prestige and past accomplishments and how that took in relation to my case. I kept silent in front of the judge, but I observed then that John's popularity and reputation within the court had already given me a better looking rapport with the judge. Let me tell you, I never had more confidence then, knowing that the judge held him in such high regard.This is not to mention how personable John is. I'll be honest that during the stress of court, sharing a laugh with your lawyer helps a lot. This may sound a lot, but I really appreciated the relationship we had then. This is also not to mention that he was able to deal very well with any DA that rotated over the years. Seriously, John was great, prompt with information and very hands on with my case. I had great peace those 2 years until everything wrapped up.If you're looking for a lawyer, I highly, HIGHLY recommend the John T. Floyd Law Firm. He IS nationally renowned, you know. He'll get the job done to the utmost confidence. He's very experienced and has a great record to boot. I am glad to have had him represent me in court and trust me that I never thought I'd ever say that (and whoever does?). We explored every avenue of victory together and I personally enjoyed the experience, despite the seriousness of the accusation.If you have a case that needs to be represented at the highest levels, choose John T. Floyd. He's a good man and very good at what he does. Him and his team has the experience you need to make the best decisions and options to get the best outcome for your case. We got the best result I could possibly ask for, thank God.Seriously. Hire John. He knows what he's doing.Seriously.
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I called Mr Floyd and left a message, with in the hour I received a call back with much more information then I could have ever expected. Mr Floyd was very informative on every question … More I had for him. He seemed like he cared, instead of like most attorneys that you talk to that are just out for a quick buck. If you want someone that is going to shoot strait with you, and has your best interest in hand, this is you guy. This was the best experience that I have ever had with an lawyer.
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John T Floyd handled my sons case & got a dismissal for us! He is great to work with, gets back to you promptly & knows what he’s doing. Definitely one of the best we have had … More to deal with!Positive
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Mr. John T. Floyd represented me.I couldn't be happier with the outcome he managed to achieve on an VERY Important case that was dismissed the day of Trial. He is patient & … More very knowledgeable of the legal system. I HIGHLY recommend him to anyone in need of a lawyer!John, I am forever grateful & satisfied with the effort you put forth & all you did for me. Thank you isn't enough!God bless you & your family!
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One of the few honest lawyers I have ever talked to. His complimentary consultation was knowledgeable and thorough. He knew exactly what the issue was and how to handle it. His candid … More appraisal of the situation and how to proceed saved me thousands of dollars in legal fees. If you have a case requiring expertise in John's area of practice, look no further. Hire this man!
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John & Chris helped my family member get a reduced charge and acceptable plea agreement in place. Their compassion, attention to every detail was what helped carry the day.Truly … More the best of the best.P
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I can state with confidence that Mr. Floyd and his team are the most competent and professional lawyers one can hope for. My case was quite complex and I admit that as a law student … More I was not the most patient client. Mr. Floyd did a phenomenal job of managing the bench, prosecution and myself! The result was above expectation, and I will never hesitate to recommend this firm regardless of the caliber of the case at issue.
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I want to thank John T. Floyd and all of his team. He is the best lawyer who cares aboutHis clients and fights really hard to get the best outcome. He is a fighter and he is awesome!!!I … More recommend if any one needs criminal defense , he is the BEST. We had a really serious caseAnd we are very thankful for the outcome. Thank you John!!!!! God bless you!!!!!!
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The John T. Floyd Law Firm assisted me, and I can tell you that the attorney took the time to answer my questions, and I didn't feel rushed or dismissed as I have experienced in … More the past with attorneys. The attorney was very nice and extremely knowledgeable. Initial impressions and continued excellent customer service are big factors for me and as such I would highly recommend this firm.
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It was a pleasure working with Mr. Floyd. I contacted him regarding a legal matter and he was extremely knowledgeable about the law, and responded in a timely manner. I appreciated … More the fact I did not feel rushed, and he made sure he thoroughly answered all questions I had. I would highly recommend him!Positive
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John is honestly the best! The whole team is. He answered me in a timely manner and helped me when my friend was going through a situation in Houston, Texas as an inmate. He was so … More thorough, honest, and without charging me sent me so much information because I was out of the loop. He never once tried to take you for your money, he did all that he could to. help me and I can't thank him enough.
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I have used John on two occasions and found him to have full knowledge of Texas law, diligent, creative in plan, and aggressive in defense. He is the best criminal defense attorney … More in the State of Texas. No reason to look elsewhere.
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Mr. Floyd is both ethical and loyal to his clients; two qualities that are hard to find specially in lawyers. I'd definitely recommend him to anyone.Positive
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Spoke with John Floyd about a 45 year old criminal case I was involved in. I had very little information about the case and John helped me search what records were available and gave … More me guidance to find more information. He was very professional and took his time helping me. I may need to hire a lawyer on this case and Mr. Floyd will be the man.Thanks John.
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The attorneys at John T. Floyd Law Firm work diligently to achieve the best possible results for their clients. They are caring and knowledgeable professionals. Their expertise in the … More law and their experience as trial attorneys makes them the right choice as a defense attorney. I recommend this law firm highly.
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I had the opportunity to read an article that Mr. Floyd wrote and it was very interesting. I called him about the article and advice concerning a similar situation. He not only gave … More me excellent advice, he pointed out not just what I wanted to hear but what I needed to hear concerning my situation. The Good, The Bad and The ugly in a manner or speaking. He spoke with an open and honest heart with information to help me and not just to get a client.
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I have been calling to get some legal advice pertaining to gun rights. A few legal offices would not even take my call because quote " your not a client and Im losing money. … More I I called John T. Floyd Law Firm and they were not only able to answer my question, but gave great detail information, and further elaborated on their answer. I hope I do not have to use them in the future, but if I do need to, they will be my first call.
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Mr. John was very helpful and truly was the reason why my case was dismissed. Thank you so much Mr. John I truly recommend everyone in need to work with him.
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Great lawyer! Needed some advice and gave me a Consultation, and advice for steps to take, without any hassle l, Was a honest guy and actually wanted to help me and not just take my … More money! Highly recommend!!Positive
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Very professional and straight forward. He's not going to waste your time or money. Very knowledgeable in a large range of possible matters one could face living in these days … More and times. If ever you need legal assistance, this is who I would suggest. Awesome!Positive
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From beginning to end this firm handled my case like the top tier professionals they are. I would not trust ANYONE else with my legal needs after having less than stellar experiences … More with other teams. Thank you Floyd!!!
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Attorney Floyd replied very timely to my inquiry and he provided practical advice. I will not hesitate to contact him in the future if I need additional legal counsel.
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If you are in trouble and need a lawyer, contact the John T. Floyd law firm. Some of the best lawyers in Texas work there! Understanding and helpful lawyers and staff that will do all … More they can to help you 😊
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His service to the community and diligence to helping his clients speaks for its self! Not to mention the many articles, papers and TV appearances that speak to his intellect
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I thank you for your efforts to help Felons regain their Civil rights, and for the information on possession , I am A convicted Felon, no violent history. I am an expert shot, I am … More 76 yoa, and very concerned about the present lake of Security in our State and Country. God Bless and Prosper you in your efforts, Your friend, Sonny Bivens
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He gave me one of the most honest answers I have received in a very long time about any issue I was having with anything. Legal or not legal. I highly recommend giving him a call and … More will be referring him to friends and family if they have any issues in the future.Positive
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Highly recommend, down to earth lawyer. Talked to me about my legal issues without being super money hungry and genuinely wanted to help me with my legal problems. 5 stars ⭐️.
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John has given Excellent service and have been very friendly and extremely helpful to us. I highly recommend this law firm
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I called about some legal questions I needed to get clarified and John was able to give me clarification and sound advice. I will definitely contact John for all future legal questions … More and issues.Thank you John!Positive
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He took time out of his day to answer my legal questions and didn’t even charge me. I would definitely recommend him to you.
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I really appreciated both Chris and John helping with my legal questions and concerns. Both are good guys and I would not hesitate to recommend them.
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This law firm is diligent, responsive and succeeded in getting my case dismissed. 10/10 would recommend.
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Gave free consultation on getting gun rights back. He truly cares about gun rights and getting you the help you deserve. 100% worth a callPositive
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Knows his stuff and well respected with DA and judges. I have referred him a couple times and every client has been satisfied
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John is beyond knowledgeable! If I decide to pursue my case any further I would only have him represent me.
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Very professional, great quality work, and very friendly and helpful. Overall, their service is phenomenal. I recommend Mr. Floyd to anyone.
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Mr. Floyd took the time to explain his experience with the law to me in layman's terms. Definitely give him a call.Positive
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Very knowledgeable and professional. I called and left a message Friday morning and before end of business that day I received a call back.Positive
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Very helpful highly recommended for any Question / case will definitely keep he's name and number for any other legal advice
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What a great attorney, this guy really took time out of his day to answer my questions and explain my case to me. Very grateful, thank you so muchPositive
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He was honest , knowledgeable , and professional about what we talked about. Most lawyers are just about the money , but not john.Positive
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He was very truthful and honest with us very great man I would recommend him and we would use him again
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Excellent service and a lawyer that doesn't lie. He does what he says. JW recommends him.
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I really felt like the team cared about my case and am super satisfied with the outcome. Would not recommend anyone else!
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Very professional honest and works hard currently working my husband’s appeal I pray he does his best workPositive
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I contacted John T. Floyd Law firm and I was very satisfied with service extremely helpful and friendly thank you Mr. FloydPositive
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super knowledgeable, good attitude, would definitely recommend him
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This law frim was informative,great response time ,and the attorney called back not some secretary or legal assistant thank u guys for all your help wish it was more like youPositive … More
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Absolutely a very professional lawyer. Very well read in the current law and more than willing to help if needed.
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I would highly recommend Mr Floyd. He was very helpful and knowledge with a legal question I had.Positive
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These guys do amazing work and have phenomenal service! Hands down best in the Houston area!!
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One of the best services Ive used in awhile. Thank you for all the help and answers. You got my life back. Thank youPositive
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Im impressed. This guy was polite and professional and most important...he listened.
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Mr. John he’s a professional he knows what he’s doing and he’s patient they recommend Him stronglyPositive
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Great service, very knowledgable and happy to help with any questions I had
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John and Chris are true professionals! Love those guys like family!
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Mr. Floyd and his team are very knowledgeable, informative, and helpful.
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He explained my case better then any other lawyerPositive
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Very helpful, knowledgeable and honest.
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Quick to action and helpful and knowledgeable with entertainment industry based issues!
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Responded on a holiday week. Very knowledgeable and reassuring.
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A team you can depend on to stand up and fight for you to prove the truth the whole truth!
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Good experience and very good lawyer
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Extremely helpful!!! Helping me understand the law.
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Very informative
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Very professional
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John T. Floyd is Board Certified in Criminal Law By the Texas Board of Legal Specialization
Recent Blog Posts
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A federal supervised release violation can send you back to prison for years on top of the sentence…
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