Facing Evil Podcast

In this prequel to Season One, Scott Brown takes a look back to the days when he became a police officer but before the traumatic experience with Luis Bracamontes. As he put it, there were early events that prepared him and his wife, Liz, for the tragedy on October 24, 2014.

CONTENT ADVISORY: This podcast contains intense recreations of violent criminal behavior that may trigger those who have had previous trauma and disturb those that have not. Strong and offensive language is used throughout the podcast as well. Listener discretion is advised.

We encourage listeners to also read the book, Facing Evil: A Cop’s Story of Murder, Mayhem, and the Aftermath, which can be found on Amazon.

To learn more about our sponsor, the National Police Federal Credit Union, please go to https://nationalpolicefcu.com/

The penalty phase of the trial begins. Deputy Scott Brown recounts his memories of this experience from the Spring of 2018. Placer County Deputy District Attorney, Dave Tellman, provides insight into the difficult and emotional proceedings.

CONTENT ADVISORY: This podcast contains intense recreations of violent criminal behavior that may trigger those who have had previous trauma and disturb those that have not. Strong and offensive language is used throughout the podcast as well. Listener discretion is advised.

We encourage listeners to also read the book, Facing Evil: A Cop’s Story of Murder, Mayhem, and the Aftermath, which can be found on Amazon.

To learn more about our sponsor, the National Police Federal Credit Union, please go to https://nationalpolicefcu.com/

The trial of Luis Bracamontes continues, along with that of his wife – Janelle Monroy. Many broken families, including the Olivers, the Davis’s, and the Browns, begin to move past the evil with faith and good.

CONTENT ADVISORY: This podcast contains intense recreations of violent criminal behavior that may trigger those who have had previous trauma and disturb those that have not. Strong and offensive language is used throughout the podcast as well. Listener discretion is advised.

We encourage listeners to also read the book, Facing Evil: A Cop’s Story of Murder, Mayhem, and the Aftermath, which can be found on Amazon.

To learn more about our sponsor, the National Police Federal Credit Union, please go to https://nationalpolicefcu.com/

The trial of Luis Bracamontes begins in January 2018. While these court proceedings may be expected to be straightforward, they are anything but, especially with the defendant’s continual vile and evil outbursts.

CONTENT ADVISORY: This podcast contains intense recreations of violent criminal behavior that may trigger those who have had previous trauma and disturb those that have not. Strong and offensive language is used throughout the podcast as well. Listener discretion is advised.

We encourage listeners to also read the book, Facing Evil: A Cop’s Story of Murder, Mayhem, and the Aftermath, which can be found on Amazon.

To learn more about our sponsor, the National Police Federal Credit Union, please go to https://nationalpolicefcu.com/

The months following the line-of-duty deaths of Danny Oliver and Michael Davis, Jr. brought many memorial ceremonies honoring the two fallen officers. Their murders are also brought to national attention as the news of Bracamontes having been officially deported to Mexico three times – twice on drug-related charges – but managed to return to the United States to continue his criminal and evil ways becomes clear.

CONTENT ADVISORY: This podcast contains intense recreations of violent criminal behavior that may trigger those who have had previous trauma and disturb those that have not. Strong and offensive language is used throughout the podcast as well. Listener discretion is advised.

We encourage listeners to also read the book, Facing Evil: A Cop’s Story of Murder, Mayhem, and the Aftermath, which can be found on Amazon.

To learn more about our sponsor, the National Police Federal Credit Union, please go to https://nationalpolicefcu.com/

Most people haven’t experienced going back to work after a friend has been killed on the job. Deputy Scott Brown does and reminisces back to February 2015.

Meanwhile, Bracamontes bragged about his connection to a Mexican drug cartel. Threats of a breakout from jail, as well as more cop killings, are spoken brazenly out of evil and hate.

CONTENT ADVISORY: This podcast contains intense recreations of violent criminal behavior that may trigger those who have had previous trauma and disturb those that have not. Strong and offensive language is used throughout the podcast as well. Listener discretion is advised.

We encourage listeners to also read the book, Facing Evil: A Cop’s Story of Murder, Mayhem, and the Aftermath, which can be found on Amazon.

To learn more about our sponsor, the National Police Federal Credit Union, please go to https://nationalpolicefcu.com/

Episode 062 of Mortgage Beat

Do you know which police department hired the first female police officers? It happened in one of Police Mortgage's primary markets.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.comor call 312-499-8878.

NMLS #268165

Police Mortgage –For First Responders Who Are Second To None.

Deputy Scott Brown details the emotional and psychological struggles that both he and others experienced in the months after the killings on October 24, 2014. In particular, he recounts the challenges of Mike “Moose” Simmons, Placer County Homicide Detective and partner of the late Michael Davis Jr., in returning to work.

CONTENT ADVISORY: This podcast contains intense recreations of violent criminal behavior that may trigger those who have had previous trauma and disturb those that have not. Strong and offensive language is used throughout the podcast as well. Listener discretion is advised.

We encourage listeners to also read the book, Facing Evil: A Cop’s Story of Murder, Mayhem, and the Aftermath, which can be found on Amazon.

To learn more about our sponsor, the National Police Federal Credit Union, please go to https://nationalpolicefcu.com/

Losing a police officer in the line of duty is tragic. Losing two law-enforcement professionals during the same incident is dreadful. Deputy Scott Brown details the emotions and challenges of dealing with tremendous loss.

CONTENT ADVISORY: This podcast contains intense recreations of violent criminal behavior that may trigger those who have had previous trauma and disturb those that have not. Strong and offensive language is used throughout the podcast as well. Listener discretion is advised.

We encourage listeners to also read the book, Facing Evil: A Cop’s Story of Murder, Mayhem, and the Aftermath, which can be found on Amazon.

To learn more about our sponsor, the National Police Federal Credit Union, please go to https://nationalpolicefcu.com/

Season Two begins the morning of October 25, 2014, the day after the chaos and the murders of Sacramento County Deputy Danny Oliver and Placer County Investigator Michael Davis, Jr. by Luis Bracamontes. Although the killer was captured the struggle had only begun.

This episode includes a portion of the interview with Deputy Scott Brown’s son, Connor Brown. He looks back about ten years to the incident and gives insight into the dynamic of a police family when tragedy strikes.

CONTENT ADVISORY: This podcast contains intense recreations of violent criminal behavior that may trigger those who have had previous trauma and disturb those that have not. Strong and offensive language is used throughout the podcast as well. Listener discretion is advised.

We encourage listeners to also read the book, Facing Evil: A Cop’s Story of Murder, Mayhem, and the Aftermath, which can be found on Amazon.

To learn more about our sponsor, the National Police Federal Credit Union, please go to https://nationalpolicefcu.com/

Episode 061 of Mortgage Beat

In a side discussion during recording, John Aretos discusses his pride in the Chicago Police Department and the privilege Police Mortgage has to serve many of those officers.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.comor call 312-499-8878.

NMLS #268165

Police Mortgage –

For First Responders Who Are Second To None.

Episode 060 of Mortgage Beat

One of the first states where Police Mortgage made its expansion was Arizona. John Aretos talks about this unique market.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.comor call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 059 of Mortgage Beat

Continuing our look at the major markets of Police Mortgage, John Aretos discusses their branch in Kirkwood, MO and the uniqueness of the St. Louis area.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.comor call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 058 of Mortgage Beat

John Aretos continues his conversation on the major markets of Police Mortgage moving on to a discussion on the great state of Texas.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.comor call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 057 of Mortgage Beat

In an off-the-cuff discussion with the producer, John Aretos talks about what he likes about the state of Ohio - one of the major markets of Police Mortgage.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.comor call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 056 of Mortgage Beat

If you find your forever home it may be a good idea to pounce on it.  John Aretos explains.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.comor call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 055 of Mortgage Beat

Creating generational wealth almost always starts with buying a home. John Aretos tells you why.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.comor call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 054 of Mortgage Beat

What is the best time to buy a property in 2025? Well, like most things in life, it depends.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.comor call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 053 of Mortgage Beat

What should you expect with mortgage rates this year? John Aretos gives his expert opinion.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.comor call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 052 of Mortgage Beat

Vivian Abraham explains why Police Mortgage is proud to be a haven for law enforcement professionals and their families when it comes to their finances.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.com or call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 051 of Mortgage Beat

Buying a property is generally considered an investment. Can buying a home also serve as a savings plan? Vivian Abraham explains.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.com or call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 050 of Mortgage Beat

Every company states they are different from their competitors. Vivian Abraham explains why Police Mortgage is different from other lenders, especially for first responders.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.com or call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 049 of Mortgage Beat

Vivian Abraham explains why there is almost always a way out of debt.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.com or call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

The conclusion of Season One is a look at the aftershocks and ripple effects from the tragic events of October 24, 2014. This episode includes interviews from police officers and family members whose lives were changed forever. 

CONTENT ADVISORY: This podcast contains intense recreations of violent criminal behavior that may trigger those who have had previous trauma and disturb those that have not. Strong and offensive language is used throughout the podcast as well. Listener discretion is advised.

We encourage listeners to also read the book, Facing Evil: A Cop’s Story of Murder, Mayhem, and the Aftermath, which can be found on Amazon.

To learn more about our sponsor, the National Police Credit Union, please go to https://nationalpolicecu.com/

Episode 048 of Mortgage Beat

Buying a home can be stressful. Your loan officer shouldn't add to that stress. Dylan Walsh explains the "no-surprises" approach offered by Police Mortgage.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.com or call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

The evening of October 24, 2014, marked the beginning of a long journey through loss and grief. Police officers and family members gather to support and console each other.  

Bracamontes’ time as a free man finally comes to an end. Shortly after hiding and taking shelter inside a yellow house in Auburn, CA police surrounded the area. 

As the day of October 24, 2014, wore on, people all over the region were affected by the carnage and violence the two thugs had caused.

This episode is dedicated to the lives of the two brave men that were killed on October 24, 2014. 

The devastation continued as Deputy Oliver’s murderer chose to carjack a new vehicle in the course of his getaway attempt.

Episode 047 of Mortgage Beat

Dylan Walsh shares the differentiators that make Police Mortgage something special for first responders.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.com or call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

In 2014, the Motel 6 in the Arden Area of Sacramento was known for criminal behavior including prostitution and drug dealing.

Episode 046 of Mortgage Beat

Vivian Abraham shares nuances about her regional focus and one of the primary markets of Police Mortgage, the state of Indiana.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.com or call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Scott Brown does a free form read from Chapter One of the book that focuses on time well before that dreadful day.

Episode 045 of Mortgage Beat

What exactly is “financial wellness?” Vivian Abraham explains what it should mean for first responders and their families.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.com or call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 044 of Mortgage Beat

Police Mortgage CEO, John Aretos, discusses the real estate market, qualification, and refinancing in light of the recent rate cut by the Federal Reserve.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.com or call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 043 of Mortgage Beat

Police Mortgage CEO, John Aretos, speaks about the latest action by the Federal Reserve and what that may mean for lower mortgage interest rates the remainder of 2024 and the first quarter of 2025.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.com or call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Based upon the book written by Deputy Scott Brown and Victoria Newman, Facing Evil : A Cop’s Story of Murder, Mayhem, and the Aftermath. Season One concentrates primarily on both the murder and the mayhem that took place in both Sacramento and Placer County California on October 24th, 2014. 

October 22, 2014, Luis Bracamontes and his wife, Janelle Monroy, were heading for San Francisco, CA from Carson City, NV.

Episode 042 of Mortgage Beat

Having a conversation with a loan officer if you are thinking of buying a home, even if that potential purchase is several months away, can be quite valuable. Dylan Walsh explains why.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.com or call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 041 of Mortgage Beat

Dylan Walsh suggests getting ahead of probable rate cuts by obtaining a pre-approval from your loan officer before the competition for home buying increases.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.com or call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 040 of Mortgage Beat

Dylan Walsh and John Aretos discuss the complexities of borrowing for a new construction.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.com or call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 039 of Mortgage Beat

Vivian Abraham and Dylan Walsh join CEO John Aretos to discuss the prudence of buying the most house you could possibly afford. Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.com or call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 038 of Mortgage Beat

Vivian Abraham and John Aretos discuss factors concerning school districts when it comes to property taxes and property values.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.com or call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 037 of Mortgage Beat

Dylan Walsh and John Aretos discuss considerations of buying a property and the pre-approval process when a home owners' association is a part of the equation.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.com or call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 036 of Mortgage Beat

Sometimes you just want to have a conversation. Police Mortgage loves having discussions with first responders concerning their home-buying needs. CEO John Aretos explains why.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.com or call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 035 of Mortgage Beat

CEO John Aretos talks about the pros on cons of the "For Sale By Owner" strategy.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.com or call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 034 of Mortgage Beat

Taking money out of your home to make upgrades may be prudent under certain circumstances. CEO John Aretos explains when it makes sense.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.com or call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 033 of Mortgage Beat

There are two components of the final walk-through when buying a property. CEO John Aretos details both and talks about why the amount of earnest money plays a factor.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.com or call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 032 of Mortgage Beat

Vivian Abraham and Dylan Walsh join CEO John Aretos to point out the fees some lenders charge for a pre-approval.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect.

To learn more or to apply for a home loan go to policemortgage.com or call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.