United States v. Marvin Jenkins, United States of America v. Ross Prock, United States of America v. Rich White

This case arises from a scheme to obtain by fraudulent means financing insured by the Federal Housing Administration (FHA) under the Title 1 Mobile Home Loan Program. The government alleged that, by altering and inflating manufacturer invoices and by bribing employees of Sherwood & Roberts (S & R), an FHA-insured lender, appellants Marvin Jenkins, Ross Prock and Rick White sought to obtain government-insured financing for mobile homes they were selling through Young American Mobile Home Sales of Las Vegas, Nevada. Appellants were stockholders, officers and employees of Young American.

The bribes, in the form of kickbacks of several hundred dollars for each loan processed, were intended to facilitate easy loan approval by S & R. By altering manufacturer invoices, Young American could secure for its customers insured financing for “extras” not normally permitted under Title 1 guidelines.

Appellants were tried on an indictment that charged thirteen counts of making false statements to obtain loans insured by the FHA, 18 U.S.C. § 1010 (1982), and one count of conspiring to defraud the government by such statements, 18 U.S.C. § 371 (1982). A jury found all three guilty of conspiracy…