Virginia Property and Residency Games
Then there’s the 2023 Virginia property James bought with her niece. In her filings, James declared it as her “primary residence”—a key legal term used to obtain lower interest rates and meet federal loan requirements. The problem? At the time, she was actively serving as Attorney General of New York and publicly living in the state.
Lowell now claims it was her niece’s residence and that James “mistakenly” included language to the contrary in some paperwork. But how many “mistakes” can someone in James’ position claim before it stops looking like sloppiness—and starts looking like a pattern of deception?
Manipulating Unit Counts?
USA Herald has reviewed records on James’ Brooklyn property, purchased in 2001. Public filings and a certificate of occupancy from that time listed the building as having five units. Yet James represented the property as a four-unit residence—possibly to qualify for a lower-interest mortgage and avoid multifamily housing compliance.
Her team now argues that the basement wasn’t a “real” unit and insists it’s been treated as a four-family dwelling since her purchase. But conflicting records, building permits, and insurance riders over the years tell a more complicated story.
This isn’t just a clerical error—it’s a pattern.
