If they are not licensed, it sounds like they might be guilty of criminal fraud, in which case, they might have skipped town with your money, not just have done a bad job.

Hi @Jason Smith,As an agent you will need to begin building your identity as a trusted advisor in home sales and purchases.

I called them they confirm their identity and then they tell me they do not own the home.

The few individuals who have been successful completing a transaction with none of their own capital invested usually fall under one of the following scenarios:1- They structured the transaction "so it appeared" as if they did make an investment of capital "mortgage fraud"2- They either assumed or purchased subject to an existing mortgage, with the seller taking back an owner financed second lien for his equity3- They have fantastic credit/track record/relationship with an existing lender and were able to convince that lender to fund without a capital contribution from them4- They syndicated the property to passive investors and received a "promote" interest or putting the deal together5- They used other real estate they owned as additional collateralBy far the most productive path to follow to obtain property ownership with "nothing down" is a property with the following characteristics1- highly motivated seller2- property is not in demand because of one or more of the following  A- low cash low  B - undesirable location  C- in disrepair3- An existing mortgage for a high percentage of the property's valueNote: once the property acquired you still have need for liquid funds for working capital, repairs, maintenance, vacancy contingencies, etc.   

Fits perfectly as i went through this nearly identical scenario.

I have two properties that have identical numbers but one has a pool and one does not.

What surprise me is that she gives me the number to her broker and her broker said it is not legal/loan fraud too.

Otherwise, it's mortgage fraud. 

You're probably not intending to be fraudulent, however as the Community Manager here, I feel compelled to inform you that lying on a mortgage application, stating that you intend to use the property in one way when you actually intend to use it in an altogether different way, is mortgage fraud which is a felony punishable by up to $1 million in fines and significant prison time.We recently released an episode of the BiggerPockets Money Podcast with @Jon Lallande, where he gave mortgage tips and we touched on mortgage fraud near the end.

This pic isn't mine but the condition/style look essentially identical.