P.

BACKGROUND

The Palmer Property and Related Real Estate Transactions In 2004, Sharon Jachec worked as a real estate agent for Toll Brothers, the builder of a residential development in Moorpark, to discuss the purchase of a home in the development. Real estate agent Cheri Tucker and appellant met with Jachec in September 2004. Appellant selected a lot and floor plan, gave Jachec a deposit, and completed a questionnaire, using the name Antonio Padilla. On October 26, 2004, appellant, using the name Padilla, signed an agreement to buy a residence at 12216 Palmer Drive in Moorpark (the Palmer property) for $1,775,275. The agreement required appellant to pay $409,840 to complete the sale, including earlier deposits that totaled $40,000. In October 2005, with the assistance of Tucker Mortgage (a company owned by Cheri, and her husband, Terry Tucker), appellant, as Padilla, applied to borrow $1,366,168 from Washington Mutual (WAMU)3 to purchase the Palmer property. Earlier that year, in June or July, appellant had approached Alejandro Aguilera Herrera, a plumber, urging him to invest in the Palmer property. Herrera knew appellant as Enrique Sandoval. He met appellant through Alfonso…