Top Ruskin, FL Mortgage Fraud Lawyers Near You
Partner with the 'A' Team: Former Federal Prosecutors, FBI Agents & Army JAGs Defending the Accused in Serious Criminal Matters
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Aggressive Defense & Proven Results MATTER for your freedom! Trust our experienced federal crime defense history to protect your rights & fight for your life.
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We FIGHT To Get Results. Over 40 Years Of Experience Defending Those Accused Of Serious State And Federal Charges
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Federal Defender with 25 years trial experience. Assisting those accused of drug crimes, white collar and any federal criminal defense matters. You speak to me directly!
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We have 35 yrs of aggressive, experienced defense that's needed when stakes are high in federal cases & Penalties are extreme.
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Federal Defender with 25 years trial experience. Assisting those accused of drug crimes, white collar and any federal criminal defense matters. You speak to me directly!
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Defending your rights since 1974. Nationally recognized experts in Federal and White Collar offenses. Highly qualified with the experience necessary to WIN. Call now!
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8601 4th St. N., Suite 104, St. Petersburg, FL 33702
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Tinny Meyer & Piccarreto PA has experience helping clients with their Mortgage Fraud needs in Ruskin, Florida.
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5107 Central Ave, St. Petersburg, FL 33710
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Whittel & Melton, LLC, is a law firm in Ruskin, Florida with experience resolving cases in Mortgage Fraud.
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111 2nd Ave NE, Suite 912, St. Petersburg, FL 33701
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Musca Law has experience helping clients with their Mortgage Fraud needs in Ruskin, Florida.
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1710 N 19th Street, Unit 210, Tampa, FL 33605
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Clients in the Ruskin, Florida area who need legal help with Mortgage Fraud issues can connect with Brunvand Wise, P.A..
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777 S Harbour Island Blvd, Suite 420, Tampa, FL 33602
2917 W Kennedy Blvd Suite 100, Tampa, FL 33609
4301 W. Boy Scout Blvd., Suite 300, Tampa, FL 33607
5453 Central Avenue, St. Petersburg, FL 33710
400 North Ashley Drive, Suite 1900, Tampa, FL 33602
9721 Executive Center Dr N, Suite 120, St. Petersburg, FL 33702
2363 Gulf to Bay Blvd, Suite 100, Clearwater, FL 33765
One Tampa City Center, Suite 3200, 201 North Franklin Street, Tampa, FL 33602
4830 W Kennedy Blvd., Ste. 600, Tampa, FL 33609
201 E Kennedy Blvd, Suite 1100, Tampa, FL 33602
13119 W. Linebaugh Ave, Ste. 102, Tampa, FL 33626
1105 W. Swann Ave, Tampa, FL 33606
101 E Kennedy Blvd, Suite 3920, Tampa, FL 33602
100 South Ashley Drive, Suite 1740, Tampa, FL 33602
5550 West Executive Drive, Suite 240, Box 10, Tampa, FL 33609
401 E Jackson St, Suite 1700, Tampa, FL 33602
3902 Henderson Blvd, Suite 208-136, Tampa, FL 33629
101 East Kennedy Blvd., Suite 4000, Tampa, FL 33602
401 E Jackson St, Suite 3500, Tampa, FL 33602
601 Bayshore Boulevard, Suite 700, Tampa, FL 33606
100 N. Tampa Street, Suite 3500, Tampa, FL 33602
Ruskin Mortgage Fraud Information
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Criminal Mortgage Loan Fraud
Obtaining a mortgage based on false information is a serious crime and falls under federal law, though some states are also enacting state laws against this crime as well. One type of criminal mortgage loan fraud occurs when a person misrepresents or leaves out pertinent information from a mortgage loan application. There are other types of criminal loan mortgage fraud that can lead to jail time and penalties.
How Does Mortgage Fraud Work?
Mortgage fraud is a crime that can be committed by individual borrowers looking to secure a home as well as by financial industry insiders. All fraud is based on misrepresentation of some gravity that has been passed along to a victim — often a bank or credit union, but in some cases a potential home buyer.
The most common form of mortgage fraud, income or asset falsification, takes place when a prospective borrower lies about their financial status (income, debt, previous bankruptcies, etc.) to secure a loan that they would otherwise not be eligible for.
What Are Some Examples of Mortgage Fraud?
In addition to income or asset falsification, there are several other forms of mortgage fraud.
Identity theft can lead to mortgage fraud when a buyer, using stolen identification or related papers (such as a pay stub, etc.), represents themselves as another individual in order to gain approval for a loan that they otherwise may not have qualified for. As two crimes at once, identity theft involving mortgage fraud can lead to serious charges if you are found guilty of the offense.
In terms of mortgage fraud committed by industry professionals, air loans are the most common example. An air loan situation occurs when a group of financial institution insiders collude to produce a fake loan disbursal for a real estate transaction that does not exist. This may involve creating false mailboxes and addresses, doctored or prepared correspondence and other corroborating bits of evidence supplied to a lender in order to secure a loan.
Mortgage fraud is usually broken down into two categories: fraud for profit and fraud for housing.
Who Investigates Mortgage Fraud?
While the FBI typically investigates high-profile mortgage fraud (prioritizing fraud for profit over fraud for housing) via the deployment of financial crimes task forces, other law enforcement agencies may also find themselves involved in investigating white-collar crimes such as mortgage fraud.
What Is the Penalty for Mortgage Fraud?
Mortgage fraud is not specifically an offense at the federal level, but other forms of fraud such as mail fraud, wire fraud and bank fraud allow for a maximum sentence of up to 30 years jail time if you are found guilty of the offense.
Mortgage fraud can also be prosecuted at the state level. Typical punishments range from five to 20 years imprisonment, depending on the sum being fraudulently stolen or misappropriated. In some states, mortgage fraud amounting to less than $100,000 is categorized as a third-degree felony with a maximum sentence of five years imprisonment for those convicted of the crime. If, however, you are convicted of mortgage fraud amounting to over $100,000, you could face a second-degree felony charge with a maximum prison sentence of 15 years.
Monetary fines, damages and restitution are also commonly part of the penalties for committing mortgage loan fraud. In some instances, double or triple damages can be awarded by judges presiding over such cases.
As with all felonies, a conviction in response to charges related to mortgage fraud will likely result in a permanent criminal record if you do not have one already.
Can You Go to Jail for Mortgage Fraud in Florida?
It is likely that you will serve a jail or prison sentence if you are convicted of charges connected to mortgage fraud. Mortgage fraud and related fraud charges are almost always classified as felonies rather than as misdemeanors.
If you are facing charges related to mortgage fraud, it is important to secure the services of a criminal defense attorney familiar with white-collar crime cases. Not only does retaining legal counsel significantly increase your chances of negotiating a favorable plea bargain (and of mounting a successful defense in court, resulting in an acquittal if the case goes to trial) but an experienced attorney can help you to navigate the charges against you, giving you options as to how best to proceed and hopefully avoid incarceration.
Have You Been Charged With Criminal Mortgage Loan Fraud?
Mortgage loan fraud charges come along with some serious consequences including hefty fines and serious jail time. If you are facing such charges, now is the time to contact a criminal mortgage loan fraud attorney so you can receive the legal advice you need.