XXXX XXXX XXXX My name is XXXX XXXX. I was initially involved in a consumer credit transaction when I obtained my home in XX/XX/XXXX. It appears you may have committed Fraud when the online phone application was completed. You completed the attached Uniform Residential Loan Application by phone on XX/XX/XXXX when you were working at XXXX XXXX XXXX located at XXXX XXXX XXXX in XXXX, MI XXXX. As indicated on the application in the section II titled Property Information and Purpose of Loan it states the purpose of the loan was a Refinance. Under the section titled Property will be : Primary  Residence was selected. Please explain in detail how there could be a Refinance on a home where the estate was held in Fee Simple. Please note that under the section titled : Estate will be held in ; the Fee Simple box is selected PLEASE REVIEW THE FOLLOWING DEFINITIONS OF FEE SIMPLE AS CITED IN THE FREE DICTIONARY BY XXXX ***Fee Simple*** The greatest possible estate in land, wherein the owner has the right to use it, exclusively possess it, commit waste upon it, dispose of it by deed or will, and take its fruits. A fee simple represents absolute ownership of land, and therefore the ownermay do whatever he or she chooses with the land. If an owner of a fee simple dies intestate, the land will descend to theheirs. The term fee used independently is an adequate designation of this type of estate in land. The term simple is added todistinguish clearly this estate from other interests in real property. XXXX XXXX Encyclopedia of American Law, edition 2. Copyright XX/XX/XXXX XXXX XXXX XXXX , XXXX All rights reserved. <P/>***fee simple*** n. absolute title to land, free of any other claims against the title, which one can sell or pass to another by will or inheritance.This is a redundant form of " fee, '' but is used to show the fee ( absolute title ) is not a " conditional fee, '' or " determinable fee, '' or " fee tail. '' Like " fee '' it is often used in deeds transferring title as in " XXXX XXXX grants to XXXX XXXX title in fee simple ... '' or similar words. ( SeXXXX : fee ) Copyright XX/XX/XXXX-XX/XX/XXXX by XXXX XXXX XXXX and XXXX XXXX XXXX. All Right reserved. <P/>***fee simple**** noun absolute interest in realty, estate in fee simple, estate in land, fee simple absolute, holding, legal estate, ownership in property, ownership in real essate, ownership in real property, ownership in realty, ownnrshipinterest, real estate ownership, right in real property, title to property, title to real property, unlimited right to propertyownership, unrestricted right to property ownerrhip, vested interest in land Associated concepts : allodial title, concurrent estate, defeaaible estate, fee simple determinable, fee tail, future estate, leasehold estate, life estate XXXX See also : XXXX XXXX 's Legal Thesaurus, XXXX. Copyright XX/XX/XXXX by XXXX XXXX XXXX. Used with permission of The XXXX XXXX , XXXX. <P/><P/>In the box titled Title will be held in what Name ( s ) XXXX XXXX and XXXX XXXX are typed in the box In the box titled Source of Down Payment, Settlement Changes and/or Subordinate Financing Equity from subject property was typed in. I have also observed that under the section titled INFORMATION FOR GOVERNMENT MONITORING PURPOSES In the Race/National Origin section you have XX/XX/XXXX, Note of XXXX Origin selected for both the Borrower and Co-Borrower. Please note that I am a CONSUMER. I ( XXXX XXXX ) have never stated that I was XX/XX/XXXX, not XXXX Origin and neither did XXXX XXXX Could you state YES or NO on whether there was ANOTHER PERSON who was a BORROWER in this transaction? Did you OMIT or FAIL TO DISCLOSE ANY information to me when you were taking this application over the phone?