Francisco Javier Gonzalez, a/k/a Javier Gonzalez, 44, of Duncanville, Texas, was arrested Monday and indicted on 21 federal counts including mail fraud, wire fraud, bank fraud, and aggravated identity theft — the fallout from a predatory scheme that preyed on desperate homeowners seeking to save their homes.
Gonzalez, vice president and director of the Dallas County Community Action Committee, Inc. (DCCAC), allegedly used his position to steal mortgage payments, falsify loan modification documents, and pocket large lump-sum fees from victims facing foreclosure. The indictment, returned last week by a Dallas grand jury and unsealed Monday, details a calculated fraud that left families homeless and cost HUD nearly $660,000 — $659,859.00 to be exact.
The DCCAC, a HUD-accredited nonprofit created in 1965 to fight poverty, operated on East Jefferson Boulevard in Dallas’ Oak Cliff neighborhood until losing accreditation in February 2016. Gonzalez not only held leadership there but leased office space for his own entity, Residential Counseling FJ LLC, blurring lines between public service and private profit.
According to the indictment, Gonzalez targeted homeowners in crisis — many who had reached out to DCCAC for help — and combed through the Foreclosure Listing Service, also known as the Roddy List, to find more victims. He met with them in offices and homes, promising to slash mortgage payments and stop foreclosures through loan modifications that never materialized.
He submitted falsified Making Home Affordable applications, fake pay stubs, and fraudulent Hardship Affidavits to banks, which routinely rejected the incomplete paperwork. Worse, Gonzalez allegedly told victims to stop paying their lenders and instead send payments to him — thousands of dollars he never forwarded, using the funds for personal expenses while homes went into foreclosure.
Gonzalez made his initial court appearance yesterday before U.S. Magistrate Judge Paul D. Stickney, who ordered him detained pending trial. The charges include five counts of mail fraud, six of wire fraud, eight of bank fraud, and two counts of aggravated identity theft. U.S. Attorney John Parker of the Northern District of Texas confirmed the case, which was investigated by HUD, FHFA, and USPIS agents, is now moving toward prosecution.
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Key Facts
- State: Texas
- Agency: DOJ USAO
- Category: Fraud & Financial Crimes
- Source: Official Source ↗
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