IN RE RAMSEY

BAP No. CC-93-1115-JMeK. Bankruptcy No. ND-91-82591-RR. Adv. No. ND-91-06416-RR.

176 B.R. 183 (1994)

In re William RAMSEY, Debtor. William RAMSEY, Appellant, v. VISTA MORTGAGE CORP., Robert Tepper, Ruth Beglau, Lea H. Rizk, Joyce E. Sterrenberg, Trustee for the Sterrenberg Trust, George W. Suhrie, Betty W. Suhrie, and Ress Financial Corp., Appellees.

United States Bankruptcy Appellate Panel of the Ninth Circuit.

Decided December 21, 1994.


Attorney(s) appearing for the Case

Christopher C. Gautschi, Ventura, CA, for appellant.

Dennis H. Doss, Newport Beach, CA, for appellees.

Before JONES, MEYERS and KLEIN, Bankruptcy Judges.


OPINION

JONES, Bankruptcy Judge:

I. FACTS

In September 1989 Debtor William Ramsey ("Ramsey") entered into negotiations to borrow money to refinance his house. A group of investors ("the Investors")2 became the lenders under the note and are the appellees to the instant appeal. Vista Mortgage Corporation ("Vista") arranged the loan as real estate broker, prepared the required federal disclosures and acted as the...

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