This story was originally published by ProPublica. Republished under a CC BY-NC-ND 3.0 license.

For months, the Trump administration has been accusing its political enemies of mortgage fraud for claiming more than one primary residence.

President Donald Trump branded one foe who did so “deceitful and potentially criminal.” He called another “CROOKED” on Truth Social and pushed the attorney general to take action.

But years earlier, Trump did the very thing he’s accusing his enemies of, records show.

In 1993, Trump signed a mortgage for a “Bermuda style” home in Palm Beach, Florida, pledging that it would be his principal residence. Just seven weeks later, he got another mortgage for a seven-bedroom, marble-floored neighboring property, attesting that it too would be his principal residence.

In reality, Trump, then a New Yorker, does not appear to have ever lived in either home, let alone used them as a principal residence. Instead, the two houses, which are next to his historic Mar-a-Lago estate, were used as investment properties and rented out, according to contemporaneous news accounts and an interview with his longtime real estate agent — exactly the sort of scenario his administration has pointed to as evidence of fraud. 

At the time of the purchases, Trump’s local real estate agent told the Miami Herald that the businessman had “hired an expensive New York design firm” to “dress them up to the nines and lease them out annually.” In an interview, Shirley Wyner, the late real estate agent’s wife and business partner who was herself later the rental agent for the two properties, told ProPublica: “They were rentals from the beginning.” Wyner, who has worked with the Trump family for years, added: “President Trump never lived there.”

Mortgage law experts who reviewed the records for ProPublica were struck by the irony of Trump’s dual mortgages. They said claiming primary residences on different mortgages at the same time, as Trump did, is often legal and rarely prosecuted. But Trump’s two loans, they said, exceed the low bar the Trump administration itself has set for mortgage fraud.

“Given Trump’s position on situations like this, he’s going to either need to fire himself or refer himself to the Department of Justice,” said Kathleen Engel, a Suffolk University law professor and leading expert on mortgage finance. “Trump has deemed that this type of misrepresentation is sufficient to preclude someone from serving the country.”

Mortgages for a person’s main home tend to receive more favorable terms, like lower interest rates, than mortgages for a second home or an investment rental property. Legal experts said that having more than one primary-residence mortgage can sometimes be legitimate, like when someone has to move for a new job, and other times can be caused by clerical error. Determining ill intent on the part of the borrower is key to proving fraud, and the experts said lenders have significant discretion in what loans they offer clients. (In this case, Trump used the same lender to buy the two Florida homes.) 

But in recent months, the Trump administration has asserted that merely having two primary-residence mortgages is evidence of criminality. 

Bill Pulte, the Federal Housing Finance Agency director who has led the charge, said earlier this year: “If somebody is claiming two primary residences, that is not appropriate, and we will refer it for criminal investigation.”

Trump hung up on a ProPublica reporter after being asked whether his Florida mortgages were similar to those of others he had accused of fraud.

In response to questions, a White House spokesperson told ProPublica: “President Trump’s two mortgages you are referencing are from the same lender. There was no defraudation. It is illogical to believe that the same lender would agree to defraud itself.”

The spokesperson added, “this is yet another desperate attempt by the Left wing media to disparage President Trump with false allegations,” and said, “President Trump has never, or will ever, break the law.”

The White House did not respond to questions about any other documents related to the transactions, such as loan applications, that could shed light on what Trump told the lender or if the lender made any exceptions for him.

At the time Trump bought the two Florida properties, he was dealing with the wreckage of high-profile failures at his casinos and hotels in the early 1990s. (He famously recounted seeing a panhandler on Fifth Avenue around this time and telling his companion: “You know, right now that man is worth $900 million more than I am.”) In December 1993, he married the model Marla Maples in an opulent ceremony at The Plaza Hotel. And in Florida, he was pushing local authorities to let him turn Mar-a-Lago, then a residence, into a private club. 

Trump bought the two homes, which both sit on Woodbridge Road directly north of Mar-a-Lago, and got mortgages in quick succession in December 1993 and January 1994. The lender on both mortgages, one for $525,000 and one for $1,200,000, was Merrill Lynch. 

Each of the mortgage documents signed by Trump contain the standard occupancy requirement — that he must make the property his principal residence within 60 days and live there for at least a year, unless the lender agreed otherwise or there were extenuating circumstances.

But ProPublica could not find evidence Trump ever lived in either of the properties. Legal documents and federal election records from the period give his address as Trump Tower in Manhattan. (Trump would officially change his permanent residence to Florida only decades later, in 2019.) A Vanity Fair profile published in March 1994 describes Trump spending time in Manhattan and at Mar-a-Lago itself.

Trump’s real estate agent, who told the local press that the plan from the beginning was to rent out the two satellite homes, was quoted as saying, “Mr. Trump, in effect, is in a position to approve who his neighbors are.”

In the ensuing years, listings popped up in local newspapers advertising each of the homes for rent. At one point in 1997, the larger of the two homes, a 7-bedroom, 7-bathroom Mediterranean Revival mansion, was listed for $3,000 per day.

Even if Trump did violate the law with his two primary-residence mortgages in Florida, the loans have since been paid off and the mid-1990s is well outside the statute of limitations for mortgage fraud.

A spokesperson for Bank of America, which now owns Merrill Lynch, did not answer questions about the Trump mortgages.

“It’s highly unlikely we would have original documents for a 32-year-old transaction, but generally in private client mortgages the terms of the transactions are based on the overall relationship,” the spokesperson said in a statement, “and the mortgages are not backed by or sold to any government sponsored entity.”

Trump’s two mortgages in Palm Beach bear similarities to the loans taken out by political rivals whom his administration has accused of fraud. 

In October, federal prosecutors charged New York Attorney General Letitia James over her mortgage. James has been one of Trump’s top targets since she brought a fraud lawsuit against the president and his company in 2022. 

A central claim in the case the Trump Justice Department brought against her is that she purchased a house in Virginia, pledging to her lender that it would serve as her second home, then proceeded to use it as an investment property and rent it out. “This misrepresentation allowed James to obtain favorable loan terms not available for investment properties,” according to the indictment. 

Trump’s Florida mortgage agreements appear to have made a more significant misrepresentation, as he claimed those homes would be his primary residence, not his secondary home as James did, before proceeding to rent them out. 

James has denied the allegations against her, and the case was dismissed last month over procedural issues, though the Justice Department has been trying to reindict her. 

The circumstances around Trump’s mortgages are also similar to the case his administration has made against Lisa Cook, a member of the Federal Reserve Board of Governors. 

Trump declared he was firing Cook earlier this year over her mortgages, as he has sought to bend the traditionally independent agency to his will and force it to lower interest rates. Cook, who denied wrongdoing, has sued to block the termination and continues to serve on the Fed board as that legal fight continues. 

In a letter to Cook, Trump specifically noted that she signed two primary residence mortgages within weeks of each other — just as records show he did in Florida. 

“You signed one document attesting that a property in Michigan would be your primary residence for the next year. Two weeks later, you signed another document for a property in Georgia stating that it would be your primary residence for the next year,” Trump wrote. “It is inconceivable that you were not aware of your first commitment when making the second.” 

He called the loans potentially criminal and wrote, “at a minimum, the conduct at issue exhibits the sort of gross negligence in financial transactions that calls into question your competence and trustworthiness.”

The Trump administration has made similar fraud allegations against other political enemies, including Democrats Sen. Adam Schiff and Rep. Eric Swalwell, both of whom have denied wrongdoing.

In September, ProPublica reported that three of Trump’s Cabinet members have called multiple homes their primary residences in mortgage agreements. Bloomberg also reported that Secretary of the Treasury Scott Bessent did something similar. (The Cabinet members have all denied wrongdoing.)

Pulte, the Federal Housing Finance Agency head, has denied his investigations are politically motivated. “If it’s a Republican who’s committing mortgage fraud, we’re going to look at it,” he has said. “If it’s a Democrat, we’re going to look at it.”

Thus far, Pulte has not made any publicly known criminal referrals against Republicans. He did not respond to questions from ProPublica about Trump’s Florida mortgages.

This story was originally published by ProPublica. Republished under a CC BY-NC-ND 3.0 license.

Online influencer Andrew Tate, a self-described misogynist who has millions of young male followers, was facing allegations of sex trafficking women in three countries when he and his brother left their home in Romania to visit the United States.

“The Tates will be free, Trump is the president. The good old days are back,” Tate posted on X before the trip in February — one of many times he has sung the president’s praises to his fans.

But when the Tate brothers arrived by private plane in Fort Lauderdale, Florida, they immediately found themselves in the crosshairs of law enforcement once more, as Customs and Border Protection officials seized their electronic devices.

This time, they had a powerful ally come to their aid. Behind the scenes, the White House intervened on their behalf.

Interviews and records reviewed by ProPublica show a White House official told senior Department of Homeland Security officials to return the devices to the brothers several days after they were seized. The official who delivered the message, Paul Ingrassia, is a lawyer who previously represented the Tate brothers before joining the White House, where he was working as its DHS liaison.

In his written request, a copy of which was reviewed by ProPublica, Ingrassia chided authorities for taking the action, saying the seizure of the Tates’ devices was not a good use of time or resources. The request to return the electronics to the Tates, he emphasized, was coming from the White House.

The incident is the latest in a string of law enforcement matters where the Trump White House has inserted itself to help friends and target foes. Since entering office for a second term, Trump has urged the Justice Department to go after elected officials who investigated him and his businesses, and he pardoned a string of political allies. Andrew Tate is one of the most prominent members of the so-called manosphere, a collection of influencers, podcasters and content creators who helped deliver young male voters to Trump. And news of the White House intervention on behalf of the accused sex traffickers comes as Trump is under fire over his ties to notorious child sex offender Jeffrey Epstein and his administration’s recent efforts to stop the public release of the so-called Epstein files.

Ingrassia’s intervention on behalf of Tate and his brother, Tristan, caused alarm among DHS officials that they could be interfering with a federal investigation if they followed through with the instruction, according to interviews and screenshots of contemporaneous communications between officials.

One official who was involved and spoke on the condition of anonymity to avoid facing retribution said they were disgusted by the request’s “brazenness and the high-handed expectation of complicity.”

“It was so offensive to what we’re all here to do, to uphold the law and protect the American people,” the person said. “We don’t want to be seen as handing out favors.”

It’s unclear why law enforcement wanted to examine the devices, what their analysis found or whether Ingrassia’s intervention hindered any investigation. The White House and DHS declined to answer questions about the incident.

But law enforcement experts said it is highly unusual for the White House to get involved in particular border seizures or to demand authorities give up custody of potential evidence in an investigation.

“I’ve never heard of anything like that in my 30 years working,” said John F. Tobon, a retired assistant director for Homeland Security Investigations, which typically analyzes the contents of electronic devices after they’re seized by Customs and Border Protection. “For anyone to say this request is from the White House, it feels like an intimidation tactic.”

Tobon said that even if authorities resisted the request from Ingrassia, knowledge that the White House opposed their actions could cause them to be less aggressive than they would normally be: “Anytime somebody feels intimidated or as if they’re not free to follow procedure, that’s going to stay in the back of their mind because of the consequences. In this administration the consequences are different, people are getting fired.”

Samuel Buell, a Duke University law school professor and former federal prosecutor, called the pressure on behalf of the Tates “another data point” in the White House politicizing law enforcement.

“This is not something that would have been viewed as appropriate or acceptable prior to 2025,” Buell said. “There’s a pattern here of severe departure from preexisting norms … that are being tossed aside left and right.”

The Tate brothers’ lawyer, Joseph McBride, said he didn’t know what happened to the devices but that his clients have still not had them returned. He said it’s unclear whether any investigation into their contents is continuing.

His clients, he said, are innocent and there were no illicit materials on their electronics. “There have been multiple investigations against them and nothing has come of it,” McBride said.

Ingrassia worked at McBride’s firm before joining the White House, and McBride acknowledged speaking “to Paul from time to time” but couldn’t recall discussing the seized devices with him. Ingrassia, he said, has never given the Tates special treatment since joining the Trump administration.

The White House declined to answer questions about whether Ingrassia was acting on his own or representing the White House’s wishes.

In a brief interview with ProPublica, Ingrassia denied trying to help the Tates, before hanging up. “There was no intervention. Nothing happened,” he said. “There was nothing.”

Ingrassia’s lawyer, Edward Paltzik, said in a text message: “Mr. Ingrassia never ordered that the Tate Brothers’ devices be returned to them, nor did he say — and nor would he have ever said — that such a directive came from the White House. This story is fiction, simply not true.”

When questioned about whether Ingrassia had asked authorities to return the devices, even if he did not order them to, Paltzik declined to comment, explaining that “the word ‘ask’ is inappropriate because it is meaningless in this context. He either ordered something or he didn’t. And as I said, he did NOT order anything.”

A DHS spokesperson did not respond to specific questions about the intervention or any impact it might have had on an investigation, only saying in a statement that Customs and Border Protection “performed a 100% baggage examination and detained all electronic media devices when the Tate Brothers entered the country. Electronic media devices were detained and turned over to Homeland Security Investigators for inspectional purposes.”

Ingrassia’s work at McBride’s small New York law firm included helping to represent the Tate brothers. He has praised Andrew Tate’s “physical prowess” on social media along with his “willpower and spirit,” calling him “the embodiment of the ancient ideal of excellence.”

Ethics experts said when government officials take actions to benefit former clients, it undermines public trust.

“The rule of law cannot be carried out if it depends on cronyism,” said Virginia Canter, a former government ethics lawyer who served in the administrations of both parties. “To have a member of the White House interfere when they’ve had a prior client relationship and some sort of personal relationship, that gives rise to questions of impartiality.”

Trump had nominated Ingrassia to lead the Office of Special Counsel, but the 30-year-old lawyer’s chances for Senate confirmation imploded after Politico reported that he had sent a string of racist text messages to fellow Republicans and described himself as having “a Nazi streak.” Paltzik, his lawyer, raised doubts about the authenticity of the texts but said “even if the texts are authentic, they clearly read as self-deprecating and satirical humor.”

In a post on X announcing he was withdrawing from his Senate confirmation hearing because not enough Republican lawmakers were supporting him, Ingrassia said he would “continue to serve President Trump and this administration to Make America Great Again.”

Last month, Ingrassia announced he was moving to a new role within the administration, after Trump called him into his office and asked him to serve as deputy general counsel at the General Services Administration.

It’s unclear what prompted authorities to seize the Tates’ property, but the bar for searching electronic devices is significantly lower for those entering the U.S. compared with those already in the country, even if they are citizens.

After the seizure, the contents were examined by federal agents with Homeland Security Investigations, according to the official involved. A Homeland Security official, who asked for anonymity because they didn’t have permission to speak publicly, confirmed that HSI agents scrutinized the contents.

The Tates left the United States in late March.

No criminal charges have been filed against the brothers in the United States, though a lawyer representing four anonymous defendants sued by them in Florida filed court papers this year suggesting that federal prosecutors in the Southern District of New York were investigating the pair. No other details have become public, and a spokesperson for the prosecutors’ office declined to comment.

In an interview with conservative podcaster Candace Owens soon after landing in Florida, Andrew Tate revealed his devices had been seized, saying they were taken after he refused to give customs officers his passwords.

Tate, who was born in the U.S. but spent much of his childhood in Britain before moving as an adult to Romania, complained that his rights were violated, calling himself “one of the most innocent people on the planet.”

And he said law enforcement officials wouldn’t find anything on his devices: “You think I sleep with a phone full of evidence? You think I don’t wipe my phone every night? You think I’m dumb? Come get me.”

In that interview, Tate made no mention of a White House official intervening on his behalf and seemingly misidentified state authorities in Florida as responsible for taking his devices.

Shortly after the Tates landed on Feb. 27, Gov. Ron DeSantis and state Attorney General James Uthmeier announced that Florida authorities had launched an investigation into the brothers. Uthmeier said his office had “secured and executed subpoenas and warrants” and called the brothers’ behavior “atrocious.”

“These guys have themselves publicly admitted to participating in what very much appears to be soliciting, trafficking, preying upon women around the world,” he said at the time. “We’re not going to accept it.”

The status of the Florida investigation is unclear. A spokesperson for the Florida attorney general declined to comment for this article.

Allegations of sexual abuse and violence have swirled around Andrew Tate for almost as long as he’s been in the public eye. In 2016, Tate was booted off the cast of the British version of the “Big Brother” reality series around the time a video emerged of him whipping a woman with a belt. Tate said he and the woman were joking.

Tate’s profile only rose afterward, and he began amassing a following as a self-help guru for young men. He quickly aligned himself with Trump’s then-young MAGA movement.

“The tate family support trump FULLY. MAGA!” he posted on social media after meeting with Donald Trump Jr. at Trump Tower in 2017.

Tate moved to Romania a year after his brief foray in reality TV, in part, he said, because he believed authorities there investigate sex crimes less aggressively.

“I’m not a … rapist but I like the idea of being able to do what I want,” he said.

But in 2023, prosecutors in Romania accused the Tates of operating a criminal group that trafficked women, including some who alleged the brothers led them to believe they were interested in relationships but instead forced them into filming online pornographic videos. Prosecutors also said they were investigating allegations that the Tates trafficked minors. Andrew Tate was charged with rape. The Tates have denied the allegations, and the initial charges against them were sent back to prosecutors by a court because of procedural issues.

The Tates face similar allegations in Britain. Authorities there authorized a raft of charges against the brothers, including rape and human trafficking, based on allegations from three women. In 2024, arrest warrants were issued for the brothers, who have denied wrongdoing, but authorities said they would not be extradited to the United Kingdom until criminal proceedings in Romania were completed.

A woman has also sued the Tates in Florida, accusing them of luring her to Romania to coerce her into sex work. The Tates have denied the allegations, and last month a judge dismissed most of her claims but allowed for her to refile.

This year, Tate derided the allegations against him and compared himself to Trump on X. “Romania? No case UK? No case USA? No case,” he posted on X. “Lawfare? – Im one of the most mistreated men in history beside president Trump himself.”

The intervention on behalf of the Tates was not the first time those around Trump took an interest in legal issues involving the brothers.

In February, Romania’s foreign minister said that presidential envoy Richard Grenell told him at an international security conference in Germany that he remained interested in the fate of the Tates. “I did not perceive this statement as pressure,” the foreign minister, Emil Hurezeanu, said, “just a repeat of a known stance.” Grenell told the Financial Times that he had “no substantive conversation” with Hurezeanu but supported “the Tate brothers as evident by my publicly available tweets.”

This story was originally published by ProPublica. Republished under a CC BY-NC-ND 3.0 license.

The Trump administration has vowed to go after anyone who got lower mortgage rates by claiming more than one primary residence on their loan papers.

President Donald Trump has used it as a justification to target political foes, including a governor on the Federal Reserve Board, a Democratic U.S. senator, and a state attorney general.

Real estate experts say claiming primary residences on different mortgages at the same time is often legal and rarely prosecuted.

But if administration officials continue the campaign, mortgage records show there’s another place they could look: Trump’s own Cabinet.

Underscoring how common the practice is, ProPublica found that at least three of Trump’s Cabinet members call multiple homes their primary residences on mortgages. We discovered the loans while examining financial disclosure forms, county real estate records and publicly available mortgage data provided by Hunterbrook Media.

Labor Secretary Lori Chavez-DeRemer entered into two primary-residence mortgages in quick succession, including for a second home near a country club in Arizona, where she’s known to vacation. Transportation Secretary Sean Duffy has primary-residence mortgages in New Jersey and Washington, D.C. Lee Zeldin, the Environmental Protection Agency administrator, has one primary-residence mortgage in Long Island and another in Washington, D.C., according to loan records.

In a flurry of interviews and rapid-fire posts on X, Bill Pulte, the Federal Housing Finance Agency director, has led the charge in accusing Trump opponents of mortgage fraud. “If somebody is claiming two primary residences, that is not appropriate, and we will refer it for criminal investigation,” Pulte said last month.

A political donor to the president and heir to a housing company fortune, Pulte’s posts online tease big developments and criminal referrals, drawing reposts from Trump himself and promises of swift consequences. “Fraud will not be tolerated in President Trump’s housing market,” Pulte has warned.

Real estate experts told ProPublica that, in its bid to wrest control of the historically independent Fed and go after political enemies, the Trump administration has mischaracterized mortgage rules. Its justification for launching criminal investigations, they said, could also apply to the Trump Cabinet members.

All three Cabinet members denied wrongdoing. In a statement, a White House spokesperson said: “This is just another hit piece from a left-wing dark money group that constantly attempts to smear President Trump’s incredible Cabinet members. Unlike [Fed Gov.] Lisa ‘Corrupt’ Cook who blatantly and intentionally committed mortgage fraud, Secretary DeRemer, Secretary Duffy, and Administrator Zeldin own multiple residences, and they have followed the law and they are fully compliant with all ethical obligations.”

Mortgages for a person’s main home tend to receive more favorable terms than for a second home or an investment property. That includes better interest rates and the ability to borrow more money.

The idea is that borrowers are more likely to pay back — and less likely to default on — a loan attached to the home they actually live in. That makes those loans less risky for lenders. Interest rates are typically a quarter- to a half-point lower for primary mortgages, according to Pulte. On the low end, that could save around $75 each month over the life of a 30-year, 5% interest, half-million-dollar loan — or a total of around $25,000.

Standard mortgage documents commonly include an occupancy clause that requires the borrower to use the property as their principal residence for at least a year. They also include a section where borrowers can check a box when the mortgage is for a second home.

Misrepresenting occupancy status is not rare, according to a widely cited 2023 study from the Federal Reserve Bank of Philadelphia. In interviews, real estate lawyers said that mortgage lenders are typically well aware of their clients’ other loans and sometimes even encourage the primary-residence language for second homes.

They also pointed to a mundane reason that innocent mistakes are common: Homebuyers simply sign stacks of forms without reading them.

“Few consumers understand this issue, and if there is someone at fault here, it is likely the loan officer who likely advised them to sign up for this loan that obviously wasn’t for their primary residence,” said real estate lawyer Doug Miller. “Loan officers who are competing for business will often quote lower rates in order to get a customer’s business.”

Mortgage fraud is rarely prosecuted, according to real estate lawyers and federal sentencing data. Pulte has pointed to a case from 2016 in which a California woman was found guilty of obtaining multiple loans for condos that she falsely stated would be her primary residence. But that case had an added layer of fraud: The woman never intended to live in the homes. She was secretly being paid because she had good credit to act as a front for the true buyer of the properties, to whom they were later transferred. She later defaulted on the loans, causing more than half a million dollars in losses for the lenders.

Lawyers told ProPublica that determining ill intent would be key to prosecute. “Fraud requires the borrower to be aware that the borrower was making a false representation,” said Jon Goodman, an attorney focused on real estate at Frascona, Joiner, Goodman and Greenstein.

But Pulte has framed the issue in black-and-white terms: “Your second home is not your primary home,” he warned in one recent post on X.

By that standard, Trump’s labor secretary, Chavez-DeRemer, could be in the wrong.

In her financial disclosure form, she listed two mortgages on personal residences, both obtained in 2021. Mortgage records show her home is in Happy Valley, a city near Portland where Chavez-DeRemer served as mayor before being elected to represent the area in the U.S. House.

She and her husband, Shawn DeRemer, who leads an anesthesia company in Portland, refinanced their longtime Oregon home in January 2021. Two months later, the couple bought a newly built house near a golf course in Fountain Hills, Arizona.

The pair had previously enjoyed vacationing in Arizona, according to news reports and social media posts. (In one incident that made the news, Chavez-DeRemer was briefly hospitalized after a golf cart accident on her way back from watching a Sonoran Desert sunset.)

The mortgage agreement for the Arizona property required them to occupy the home as their “principal residence” for at least a year, barring “extenuating circumstances” or the lender allowing them to violate the stipulation.

A spokesperson for Chavez-DeRemer said that the couple bought the Arizona home with the intent to retire there, but then Chavez-DeRemer decided to run for Congress representing her Oregon district and did not move.

“This is nothing more than a left-wing rag inventing a story just to attack the Trump Administration. It’s common for families to refinance then buy a home with future plans in mind — trying to spin that as some type of scandal is pure nonsense,” said spokesperson Courtney Parella.

In response to questions from ProPublica, a White House official said that although DeRemer opted to stay in Oregon, her husband “continued to move forward with the process of becoming” an Arizona resident. Political donation records list his home in Oregon as recently as late 2023.

Duffy, Trump’s transportation secretary, and his wife also have two primary-residence mortgages, obtained a few years apart.

In August 2021, the Duffys, who have nine children, purchased a large $2 million home in Far Hills, New Jersey, about an hour’s drive from Manhattan, where Rachel Campos-Duffy works as a Fox News host.

They got a $1.6 million mortgage to purchase the property, and documents show it was a “principal residence” loan.

In February, after Duffy took the job in Trump’s cabinet, the couple bought another home, in Washington, D.C. Again, they got a principal-residence mortgage, this time for $1.76 million. Both Duffy and his wife are listed as borrowers on both mortgages, which came from the same bank.

It’s not clear where Sean Duffy lives most of the time, and a Department of Transportation spokesperson declined to answer questions about where Duffy and his wife each make their primary home. In late May, several months after they purchased the Washington home, “Fox & Friends Weekend” ran a segment in which Rachel Campos-Duffy cooked a “Make America Healthy Again” breakfast for host Steve Doocy. Sean Duffy and some of the couple’s children were also in the segment, and it was filmed in the New Jersey home.

Duffy’s spokesperson said in a statement that after being confirmed, “Sean purchased a home in Washington D.C. where he works full-time. The home in DC is not a rental, investment or vacation property. The same bank holds both mortgages and was fully informed of Secretary Duffy’s new employment location and need for a DC residence.”

A White House spokesperson said, “The bank, not the Secretary, determined and classified both mortgages as primary residences.”

Like the Duffys, Lee Zeldin, the EPA administrator, and his wife also have two concurrent primary-residence mortgages.

One, obtained in 2007, is on a home in Shirley, New York, on Long Island, which Zeldin represented in Congress for several years. Last year, Zeldin and his wife obtained a second mortgage, for $712,500, on a property in Washington, D.C., a short walk from the EPA’s headquarters. Both are primary-residence mortgages.

An EPA spokesperson said in a statement that Zeldin’s primary residence was previously on Long Island but is now in Washington. The spokesperson didn’t respond to questions about where his wife lives. “Administrator Zeldin followed ALL steps to complete the move in accordance with all laws, rules, and contracts, notifying his mortgage company, insurance company, and local government,” the spokesperson said. “EVERY ‘I’ was dotted and ‘t’ was crossed 1000% by the book without exception.”

The dual mortgages identified by ProPublica among Trump’s cabinet secretaries resemble the loans obtained by U.S. Sen. Adam Schiff, whom Trump accused of mortgage fraud.

In May, Pulte referred Schiff to the Justice Department for taking out a primary-residence mortgage in Maryland, for a home he purchased in 2003 after being elected to the House, while also claiming his primary home was in Burbank, California, in the district he represented. Schiff and his wife refinanced the Maryland home several times as a primary residence, Pulte noted, until a 2020 refinance in which they reclassified it as a secondary home.

“Schiff appears to have falsified records in order to receive favorable loan terms,” Pulte concluded in a letter to Attorney General Pam Bondi.

Representatives for Schiff called the allegations “transparently false” and said his lenders had “full knowledge of the senator’s year-round bicoastal work obligations” and “his use of two homes for that reason.” Schiff, according to his office, navigated the two mortgages in consultation with a House lawyer.

Pulte made similar allegations in a criminal referral about New York Attorney General Letitia James, alleging she may have committed fraud by getting a primary-residence mortgage for a home in Virginia, even though her position required her to live in New York. Her lawyer has said James helped a family member buy the property and notified the mortgage broker at the time that it would not be her primary residence. James became one of Trump’s top political enemies after she brought a fraud lawsuit against the president and his company in 2022. Representatives for James have called the fraud claims made against her politically motivated and false. (Pulte did not respond to a request for comment from ProPublica.)

Pulte’s most consequential allegations thus far were made against Cook, a Federal Reserve governor. Trump has been going after Fed Chair Jerome Powell for months for not lowering interest rates, even raising the specter that he would take the unprecedented step of attempting to fire the chair. Pulte’s criminal referral against Cook presented Trump with another avenue for bending the traditionally independent Fed to his will, securing a majority of the Fed’s board by firing Cook, a move that Cook has sued to block.

Pulte pointed to mortgage records that show that within just a couple of weeks, Cook signed primary-residence mortgages for homes in Michigan and Georgia. Legal experts said the close proximity was a red flag but that much was still unknown, including Cook’s intent and what her lenders were told. Pulte also flagged a third property, in Massachusetts, that Cook represented as a second home in mortgage documents but as an investment property in subsequent financial disclosures. Investment properties can be hit with higher mortgage rates than second homes.

“3 strikes and you’re out,” he posted on X.

Cook’s lawyers have denied that she committed mortgage fraud but have not provided a detailed explanation of the context for the various mortgages. They argued in court this week that her loans cannot be legally used as grounds to terminate her.

The Justice Department has begun investigating all three Trump foes singled out in Pulte’s referrals, according to news reports. The department has issued subpoenas in Cook’s case, The Wall Street Journal reported Thursday.

ProPublica’s review of mortgage agreements by Trump cabinet officials shows that some made clear to lenders they were purchasing second homes.

When Health and Human Services Secretary Robert F. Kennedy Jr., for example, got a mortgage for his home near the Kennedy Compound in Hyannis Port, Massachusetts, the agreement included a rider making it clear he would be using it as a second home.