I spoke with Raymond McKayle, as you suggested regarding the above cash out refinance and he indicated that Mr. Gayle has been residing at the subject property for last two years.... All the documents provided point at Mr. Gayle residing on Staten Island, NY - I mentioned that to the broker, and he will have the borrower change his address and change the name on two utility bills from the mother's name to the borrower's - (I told him that the cell phone statement was not acceptable), he will also have the borrower change his address on the bank statement.. In I addition to the utility bills, I asked for 12 months canceled checks to show borrower has been making the mortgage payments, and he said that the mother has been making the payments,