Five men pleaded guilty to their roles in the nationwide home loan modification scam that defrauded over 400 homeowners more than $ 3.8 million, according to the office of the Special Inspector General for the Troubled Asset Relief Program. 38-year-old Roscoe Umali, 34-year-old Jefferson Maniscan, 47-year-old Raymund Dacanay, 33-year-old Isaac Perez and 36-year-old Joshua Johnson, all targeted struggling homeowners and made a series of misrepresentations to get them fork over thousands of dollars in exchange for supposed home loan modification assistance.

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