Defending Against Mortgage Fraud Charges
Facing charges of mortgage fraud can be a daunting experience, filled with uncertainty and worry about your future. As an experienced criminal defense attorney, I understand the complexities involved in mortgage fraud cases and the importance of a strategic defense. My role is to help you navigate these challenges, ensuring you receive a fair trial and protecting your rights.
With my background as a former prosecutor and decades of experience in criminal defense, I bring a unique perspective to your case. I am a certified criminal trial attorney in New Jersey, a recognition granted only to those with significant experience and proficiency in criminal trial practice. I provide fair and effective representation and will zealously defend your rights throughout the legal process.
What Is Mortgage Fraud?
Mortgage fraud involves any false statements, misrepresentations, or deliberate omissions related to a mortgage loan application or transaction. It can occur at various stages of the mortgage process and typically aims to secure property under false pretenses or obtain a loan on more favorable terms than would otherwise have been possible.
Examples of mortgage fraud crimes include:
- Intentional misstatement of a borrower’s income or assets
- Misrepresentation by a loan officer
- Fabrication of financial information or employment verification
- Using a straw buyer to conceal the true identity of the borrower
- Inflating property appraisals to obtain higher loan amounts
Mortgage fraud is a serious felony that can lead to severe consequences, including hefty fines, restitution payments and substantial prison time. The repercussions extend beyond legal penalties, potentially affecting your future employment opportunities, financial stability and personal reputation. Given the high stakes, it is crucial to have a knowledgeable criminal defense attorney who can effectively handle the complexities of your case.
Mortgage fraud cases often involve intricate financial data and complex legal issues. As your attorney, I will thoroughly investigate every aspect of the case, challenge any procedural errors and ensure that your legal rights are vigorously defended. My goal is to minimize the impact of the charges on your life and to work toward a resolution that is in your best interest.
How Is Mortgage Fraud Detected?
Mortgage fraud is typically detected through analysis of irregularities found in documentation or financial transactions associated with mortgage applications. Lenders, financial institutions, and even regulatory bodies use various auditing and review processes to identify discrepancies that may indicate fraudulent activity. Common red flags include inconsistent information across different documents, unusually rapid financial transactions and patterns that deviate from normal practice.
How To Report Mortgage Fraud
If you suspect mortgage fraud, whether you are in New Jersey or elsewhere, it is important to report it to the appropriate authorities. You can contact the Federal Bureau of Investigation (FBI), the U.S. Department of Housing and Urban Development (HUD) or local law enforcement agencies. Providing detailed information and any relevant documents that can aid in the investigation and prosecution of mortgage fraud.
Let Me Fight For You
If you are facing mortgage fraud charges, do not hesitate to seek legal help. Contact me at The Law Office of Blair R. Zwillman by calling 973-577-8389 or by filling out my online contact form to schedule a consultation at my Morristown law office. Together, we can address the challenges you face and work toward securing your future.