Cook County Judge Censured for false mortgage application

The Illinois Courts Commission has censured Cook County Judge Beatriz Santiago for making false statement on a mortgage application.  The full text of the order can be found here: https://www.scribd.com/document/321625953/Santiago-order

The gist of the complaint was that Santiago has owned a home since 2005.  In 2012, she decided to run for a the Sixth Judicial Subcircuit, even though her home was outside the subcircuit.  She claimed to have solved the residency issue by moving in with her parents, who do live in the subcircuit.  She did not sell the house.  There was a residency challenge to her candidacy, which she defeated, and then she went on to win her election.

After being sworn in, she then sought to re-finance her house.  As part of this process, she affirmed several times that the house was her principal place of residence.  This helped her obtain FHA loan approval for the refinance.  It also was revealed by a WGN investigation that the Judge had claimed a homeowner’s tax exemption on the property in 2012, which she later paid back.

In her defense, she claimed that she did not read the paperwork closely, and had quickly signed it during a lunch break.  She was a former public defender not familiar with real estate law.  She claimed that she in fact lives with her parents in the subcircuit, does not live at the house, and that it is currently being used by members of her family.  Several attorneys attested to her good character and reputation for honesty.

The Judge was charged with failing to maintain high standards of conduct and failing to respect and comply with the law.  As a sanction, she was censured.

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