Investigations since May 2006 have yielded several predatory lending schemes orchestrated by DHI Mortgage and parent company D R Horton. Hundreds of defrauded consumers have already been located and their information forwarded to state and federal enforcement agencies. Very briefly, some of the frauds are:
1. Acceptance of substantial money deposits, fraudulent claims of consumer default, money deposits forfeited and contracts cancelled.
2. Locking in an interest rate, unlocking it and then raising the interest rate at signing.
3. Substantially underestimating closing costs, sometimes applying their promised "incentives" towards those costs, then nearly always charging substantial end fees.
4. Requiring application through DHI, and when you notify them that you prefer an outside lender, they accelerate closing, make it impossible for your lender to perform, and then pressure you to close with DHI on their timetable or forfeit all deposits and cancel the contract.
5. Delaying closing, and charging the consumer interest as a late closing penalty.
6. Inflated and deceptive origination fees.

7. Not including required HUD closing documentation in consumers' files which would tip them off to misapplied 'credits' or unapplied 'incentives.' 

8. Promising that credit challenged consumers will get approved for a loan, cashing in their deposits, and then informing them that they cant get the loan but have instead forfeited their money.

9. Promising credit challenged consumers that they will get approved for a loan, which they do through a "buyer's club" which miraculously increases FICO scores, for homes which they cant afford and will ultimately default on.

10. Including the costs of illusory 'incentives' into the base price of the home so that the consumer doesn't actually get any benefit from using DHI Mortgage.  In fact, DHI rates are at most times substantially higher than other lenders, which is a detriment to the buyer.

Of course, out of state, or limited english proficiency consumers seem to be preferred for this kind of treatment.

26 State Attorneys General, HUD, DOJ, FTC, Board of Governors, SEC, Congress and other government entities have been informed and several have initiated investigations. The Supreme Court has already ruled that many of Horton's corporate policies have been outlawed for at least fifty years in some cases.