In the following press release R. Alexander Acosta, United States Attorney for the Southern District of Florida, Jonathan I. Solomon, Special Agent in Charge, Federal Bureau of Investigation, Michael Fithen, Special Agent In Charge, U. S. Secret Service, and Roland H. Maye, Resident Agent In Charge, Office of the Inspector General, Social Security Administration, announced that defendant Marlene Dinnall a/k/a Marlene Henry, Marlene Angela Hall, and Marlene Morris, 48, of Miramar, Florida was sentenced on Friday, May 2, 2008, to 51 months’ imprisonment by United States District Court Judge James I. Cohn. Dinnall was sentenced for her participation on a mortgage and mail and wire fraud scheme that resulted in approximately $1.8 million in fraudulently obtained mortgage loans. At sentencing, the defendant was also ordered to pay restitution to National City Mortgage Company, a lender that suffered actual loss in this case.

According to the court records, Dinnall was a mortgage loan originator with an office in Miami, Florida. She enriched herself by obtaining mortgages from lenders using straw purchasers and submitting false documents, including false loan applications, false employment verification forms, false salary statements, false IRS W-2s, and false bank account statements reflecting high account balances. The defendant also used and caused others to use stolen social security numbers as their personal identification at closings, and participated in the sale of fraudulent identification documents and social security numbers and cards. The defendant also provided false financial documents to an individual, who intended to use the documents to obtain an $800,000 line of credit from a federally insured financial institution.

Mr. Acosta commended the investigative efforts of the Federal Bureau of Investigation, the U.S. Secret Service, and the Office of the Inspector General, Social Security Administration. This case is being prosecuted by Assistant United States Attorney Laurie E. Rucoba.

A copy of this press release may be found on the website of the United States Attorney’s Office for the Southern District of Florida at http://www.usdoj.gov/usao/fls. Related court documents and information may be found on the website of the District Court for the Southern District of Florida at http://www.flsd.uscourts.gov or on http://pacer.flsd.uscourts.gov.

Technical comments about this website can be e-mailed to the Webmaster. PLEASE NOTE: The United States Attorney’s Office does not respond to non-technical inquiries made to this website. If you wish to make a request for information, you may contact our office at 305-961-9001, or you may send a written inquiry to the United States Attorney’s Office, Southern District of Florida, 99 NE 4th Street, Miami, Fl. 33132.

In the following press release Florida Attorney General Bill McCollum today announced that two Hillsborough County men have been convicted of conspiracy to commit racketeering for their involvement in a mortgage fraud scheme. David E. Tuggle, Jr. and Eric S. Steinhauser pleaded guilty today in Polk County and could face up to five years in prison when sentenced in September. As part of the plea agreement, neither man may be employed in the mortgage, title, or real estate industries. The men were prosecuted by the Attorney General’s Office of Statewide Prosecution.

Tuggle, 31, and Steinhauser, 29, were part of a criminal enterprise which submitted fraudulent mortgage loan documents to Argent Mortgage Company through Brandon-based Sunstate Mortgage Company. From 2003 through 2005, Tuggle and Steinhauser submitted more than 300 mortgage loan applications to Argent Mortgage. Of those 300 applications, more than 280 were funded and collectively valued at more than $34 million. Investigators believe the men paid one of their co-conspirators, a former Argent vice president, more than $100,000 for insuring the approval of these fraudulent loans.

Tuggle and Steinhauser are cooperating with authorities in both the pending case against their co-defendants and in a previously filed case. The investigation was a joint effort by the Florida Department of Law Enforcement, the Hillsborough County Consumer Protection Agency, and the Office of Statewide Prosecution. Argent has cooperated fully with the investigation.

In the following press release United States Attorney Robert E. O’Neill announced that LUIS URIBE, a 28 year old resident of Tampa, pleaded guilty to one count of wire fraud and one count of aggravated identity theft. The maximum penalty URIBE faces is thirty years’ imprisonment and a $1million fine.

According to the plea agreement, from July 2006 through September 2007, URIBE committed wire fraud and aggravated identity theft. URIBE was a licensed mortgage broker in Florida and was able to originate mortgage loans. URIBE and others fraudulently submitted mortgage applications under false pretenses, obtaining and disbursing the proceeds of those loans, including directing portions of the proceeds to bank accounts in their control.

URIBE was one of the principals behind Bay General Contracting Services, LLC (herein after “Bay General”). Bay General was not a licensed contracting service in the State of Florida. On at least twenty separate real estate closings, monies were fraudulently disbursed to Bay General. Numerous Notices of Commencement were filed with the Clerks of Hillsborough, Pinellas, Pasco, and Citrus counties but no construction work was actually done. Despite the monies transferred and Notices of Commencement, Bay General did not have a single employee nor was there a single instance in which Bay General or anyone employed by Bay General actually performed any of the work related to the Notices. In reality, URIBE and others used Bay General to serve as a vehicle to improperly inflate the value of the properties in question, to strip actual and fraudulently created equity out of properties, and to serve as a vehicle for syphoning the proceeds from fraudulently obtained loans.

As a result of the scheme to defraud, URIBE and others caused lenders to fund more than thirty-two (32) loans for a total of more than $6 million in fraudulently obtained loans issued upon the false representations made by URIBE and others in the various loan applications and documents as well as in the providing of the false documents themselves.

The case was investigated by the Tampa Police Department and the Federal Bureau of Investigation. The case was prosecuted by Assistant United States Attorney Thomas N. Palermo.

Update on Monday, April 28, 2008 at 08:01PM by The Editor - Ian Shuter

Tampa, Florida - U.S. District Judge Richard A. Lazzara, today sentenced Andrea Batronie, age 31, of Land O’ Lakes, to two and a half years’ imprisonment to be followed by three years of supervised release for conspiring to commit mail, bank and wire fraud (herein after “mortgage fraud”). As identified in open court, Batronie conspired with defendant Luis Uribe, who pled guilty on March 27, 2008, to wire fraud and aggravated identity theft. Batronie was found guilty on October 26, 2007.

Full press release 

In the following press release Miami-Dade County Mayor Carlos Alvarez announced that his Mortgage Fraud Task Force is making progress at combating mortgage fraud crime with a second round of arrests.  During the December 5 press conference, Mayor Alvarez also gave updates on the proposal of new mortgage fraud state legislation; new processes for filing complaints and court documents; a real estate industry code of conduct model; and a Mortgage Fraud Speaker’s Bureau.

“Today, I am proud to announce that seven new arrests have been made in the crack down of Mortgage Fraud crime that is so prevalent in South Florida,” said Mayor Alvarez. “Our Task Force continues to make great progress in a number of areas to prevent mortgage fraud.”

The Mayor presented three cases. The first case was a scheme involving a Rafael Diaz who defrauded the lender by enlisting the help of a straw buyer, loan processor and others for the fraudulent purchase of  a property located in Tavernier, Florida. The property was closing for $800,000 with fraudulent documents listing it for $1.8 million. Neither the seller nor the lender were aware of the extra million Diaz and his team were trying to steal.

The second case involves repeat offender Mariana Navarrete. She sold an unsuspecting buyer a residence - twice.  “Twice” because two mortgages were obtained by the victim in the amount of $415,000 each.  Then later, a fraudulent Quit Claim Deed was filed taking ownership of the property from the victim, even though he is still responsible for the mortgage. The grantee on the Quit Claim Deed is a company associated with Navarrete.

The last case involves Richard Jacob Gutierrez who obtained a $260,000 mortgage from a private lender on a home that didn’t even exist.  Mr. Gutierrez proclaimed to be the owner of the property used as collateral for the loan.  The investigation revealed that the loan was fraudulently obtained as the property did not physically exist.

Mortgage Fraud Task Force Chair and Miami-Dade Police Department Chief Counsel Glenn Theobald said, “Prosecuting the parties involved in these schemes is more effective and efficient now with the passage of the new mortgage fraud law that went into effect on October 1.”

The Mortgage Fraud Task Force, whose members were instrumental in passing the first legislation, continues to work on new state legislation with members such as Senator Gwen Margolis and State Representative Carlos Lopez-Cantera.  Proposed legislation that provides stricter penalties for mortgage fraud perpetrators and the ability for just valuation in appraisals, which removes inflated property values in select areas, is on its way to Tallahassee.

Other significant strides being made by the Task Force’s includes the first Code of Conduct Model for real estate professionals and others involved in real estate transactions – from realtors to lenders to banks and surveyors.

“The industry now has higher standards,” said Mayor Alvarez about the model, which serves a manual for ethical transactions.  “Task Force members are working toward the adoption of this model throughout the entire industry.”

“In the County, we are also holding ourselves to a higher standard with additional resources going to the Economic Crimes Bureau and new processes being implemented by the Clerk of the Courts Office,” added Mayor Alvarez.

Every complaint is being taken very seriously by our Economic Crimes Bureau. Anyone who suspects deceitful mortgage practices is encouraged to file a Complaint Form online form at www.miamidade.gov/mayor or contact Miami-Dade County’s Economic Crime Bureau at (305) 994-1000.

Resources:
Press release

In the following press release The Securities and Exchange Commission (SEC) announced that on September 25, 2007, the Honorable John Antoon II, United States District Judge for the Middle District of Florida, granted the Commission’s motion for summary judgment against Patrick Kirkland, the primary architect of a fraudulent securities scheme involving the sale of real estate investments known as triplexes. The court permanently enjoined Kirkland from further violations of Sections 5(a), 5(c) and 17(a) of the Securities Act of 1933 and Section 10(b) of the Securities Exchange Act of 1934 and Rule 10b-5, thereunder. The order also granted the Commission’s claim for disgorgement with prejudgment interest against Kirkland and will hold a hearing to determine the amount Kirkland must disgorge. In addition, the Court reserved ruling on a specific civil penalty amount Kirkland must pay, pending the Commission’s motion.

The Commission’s complaint in this matter, filed on February 16, 2006, alleged that from April 1999 until the date of the complaint, Kirkland and the other Defendants raised at least $59 million by offering and selling unregistered securities in the form of investments in real estate developments located in Florida, Georgia, and Texas. According to the complaint, the Defendants were selling investments called triplexes, which were apartments designed for shared senior rental living. The complaint further alleged that Defendants promised investors exorbitant profits of 23% to 55%, and through sales agents, falsely assured prospective investors that over 200 calls a day were coming in from seniors interested in leasing the properties, and that there was a waiting list. In fact, according to the complaint, the completed developments had rental rates of 34% or less, and investors who purchased triplexes lost money.

In his summary judgment order, the Court found the Commission had proved the violations alleged in the complaint, and that Kirkland violated the registration and anti-fraud provisions of the federal securities laws in selling the triplexes. The Court ruled that Kirkland’s representations to investors had no basis in fact, were often flatly false and his actions were deliberate and knowing. The Court also concluded, Kirkland’s conduct revealed a lengthy pattern of wrongful behavior, which included, among other things, falsifying leases, inflating appraisal values, promising rates of returns without a reasonable basis, and failing to mention investors’ class action and individual lawsuits, two desist-and-refrain orders and a temporary restraining order issued by the State of California.

For further information, see Litigation Release No. 19570 (February 17, 2006)

Resources
Press Release

In the following press release The Texas Attorney General, Greg Abbott announced that the 408th District Court has issued a temporary injunction against a Florida-based “foreclosure rescue” scheme. Under the court order sought by Texas Attorney General Greg Abbott, Foreclosure Assistance Solutions, LLC of Florida, and its principal operators, Herb Zerden and Adolfo Quintero, as well as J.W.W. Services, Inc. of California and owner John Woodruff, are prohibited from targeting and deceiving Texans who fall behind on their mortgage payments.

Last September, the Attorney General obtained an emergency restraining order and froze assets belonging to Foreclosure Assistance Solutions and its various operators. The temporary injunction issued this week extends the initial order, securing approximately $750,000 in fees that the defendants charged more than 700 Texans who paid for its services. The monies will remain frozen pending further orders from the court.

“This court ruling prohibits these unscrupulous ‘services’ from unlawfully preying on struggling homeowners,” Attorney General Abbott said. “Texans who fall behind on their mortgage payments should be very wary of anyone promising to save their homes for a large fee. We will remain vigilant and will take aggressive enforcement action to protect Texas consumers.”

According to the Attorney General’s enforcement action, the defendants mailed cards and letters to homeowners who were facing foreclosure because of delinquent mortgage payments. The defendants’ promotional materials boasted established relationships with mortgage companies and banks nationwide. These purported relationships, Foreclosure Assistance Solutions claimed, would enable it to persuade lenders to refrain from foreclosing on its customers.

Homeowners who responded to Foreclosure Assistance Solutions were pressured to immediately sign a $1,200 contract. Once Foreclosure Assistance Solutions received its fee, company representatives rarely interacted with clients. When homeowners repeatedly called the company seeking information or action, they were ignored. Because the terms of the company’s customer contract strictly prohibited homeowners from directly contacting their mortgage companies, Foreclose Assistance Solutions’ inaction worsened the situation for many homeowners.

The temporary injunction prohibits the defendants from continuing to target and mislead troubled Texas homeowners.

The court’s order also requires that Foreclosure Assistance Solutions disclose important account information to its Texas customers. Specifically, the defendants must provide each of its customers with a written statement describing every contact the company’s representatives had with the customer’s mortgage company. The disclosure statement must include the specific dates of contact, the mortgage company representative with whom they spoke, and the results of the contact. If Foreclosure Assistance Solutions representatives learn they cannot prevent a home from going into foreclosure, the company is obligated to notify the home owner within 48 hours. Foreclosure Assistance Solutions must also provide refunds to any of its existing customers it is unable to help.

The Attorney General reminded the company’s customers that they should not wait for Foreclosure Assistance Solutions to contact them about the status of their mortgage. Homeowners need to call their lenders immediately and ask what preventative measures, if any, the defendants have taken on their behalf.

The pending legal action seeks court-ordered restitution for homeowners who were harmed by the defendant as well as civil penalties of up to $20,000 per violation of the Texas Deceptive Trade Practices Act. Additionally, the Attorney General has requested up to $5,000 per violation for failure to register as a business that conducts telephone solicitations.

The Office of the Attorney General is engaged in a variety of efforts to protect Texas homeowners. Last month, Attorney General Abbott launched the Texas Residential Mortgage Fraud Task Force, a partnership that involves key state regulatory agencies to take a proactive stance towards tracking and prosecuting mortgage fraud.

This month, Attorney General Abbott urged three of the largest mortgage lenders and servicing companies doing business in Texas to take steps to address the high rate of foreclosures in the state. In meetings with EMC Mortgage, Countrywide Mortgage and Litton Loan Servicing, he outlined five measures that the companies should implement to restore borrowers’ financial stability, including stepping-up efforts to convert adjustable rate mortgages to fixed-interest loans; subjecting more delinquent loans to mitigation first rather than immediately submitting them to an antagonistic collections process; improving communication and outreach with consumers; waiving penalties and fees while companies work with troubled homeowners; and promptly addressing complaints filed against them with the Office of the Attorney General.

Earlier this year, Attorney General Abbott secured $21 million in restitution for Texas homeowners who were harmed by lending giant Ameriquest Mortgage Co. That case resolved allegations that the company and its affiliates did not clearly disclose certain terms to homeowners, including unpredictable adjustable rates.

Homeowners who believe they have been harmed by this or similar fraudulent businesses may call the Office of the Attorney General’s toll-free complaint line at (800) 252-8011 or file a complaint online at www.oag.state.tx.us .

Resources:
Press Release
Attorney General’s lawsuit against Foreclosure Assistance Solutions
Temporary restraining order against Foreclosure Assistance Solutions
Temporary injunction against Foreclosure Assistance Solutions
Brochure: Avoid Home Buying Scams
Video of Foreclosure Assistance Solutions website
Sample Mailer

In the following press release Miami-Dade County Mayor Carlos Alvarez announced the first round of arrests warrants for criminals dealing in mortgage fraud schemes brought in 11 people this week with two suspects still at large. At a press conference this morning Mayor Alvarez presented the cases where these individuals are suspected of committing mortgage fraud.

“Mortgage Fraud affects all of us as artificially inflated home values increase taxes making it unaffordable to live here,” said Mayor Alvarez. “On the flip side, when banks begin to foreclose on fraudulent mortgages and sell these properties far below their original value, the County’s tax base lowers. This may affect the level of services we are able to offer.”

To combat the problem, Mayor Alvarez created a Mortgage Fraud Task Force. The Task Force pools together various agencies and resources for a joint effort against mortgage fraud. This includes the Miami-Dade Police Department, Miami-Dade County State Attorney’s Office, Florida Attorney General’s Office, Florida Department of Law Enforcement, State of Florida Department of Financial Services, FBI, U.S. Attorney’s Office, Office of the Treasury and others.

Mortgage fraud is a substantial problem in our County with more than 200 reported incidents of mortgage fraud and an estimated $50 million in losses to lenders and other victims. The recent Florida State Statute 817.545 went into effect on October 1, 2007, making it easier to crack down on mortgage fraud, making all parties involved in Mortgage Fraud subject to prosecution.

Mortgage Fraud Task Force Chair and Miami-Dade Police Department Chief Counsel Glenn Theobald said, “Committing mortgage fraud crimes in Miami-Dade just got a lot harder as we have law enforcement officials, prosecutors, lending experts and others bringing all resources to the table to ensure this mortgage fraud crime does not pay.”

“Protecting our citizens from mortgage fraud is a priority for the Florida Attorney General’s Office and the cooperative efforts of local, state and federal law enforcement and prosecution will be an important step towards shutting down these criminal operations,” added Florida Attorney General Bill McCollum.

Officials say in the coming months more fraudulent mortgage brokers, title agents, attorneys, appraisers and others will be brought to justice. Through the Mortgage Fraud Task Force, a concerted effort is being made and additional resources are being brought together to help put a stop to this problem.

Anyone who suspects deceitful mortgage practices is encouraged to contact Miami-Dade County’s Economic Crime Bureau at (305) 994-1000.

Pictured above from left to right: Nancy Hogan, Chair, Mortgage Fraud Task Force Education Committee; Miami-Dade County Commissioner Katy Sorenson; Miami-Dade County Mayor Carlos Alvarez; Glenn Theobald, Chairman, Mortgage Fraud Task Force; and Sergeant Richard Davis, Miami-Dade Police Department. (Photo by Ricardo Manuel Garcia)

NBC 6 News reports that amongst those arrested were realtor Nester Camacho, closing attorney, David Rodriguez; his secretary, Monica Zulauga; and mortgage broker, Jose Delgado, who police said fled to Colombia.
CBS 4 News reports that The following people were also arrested:
Mariana Navarrete, owner of three investment companies registered in South Florida
Xavier Abelardo, former husband of Navarrete who worked as a mortgage broker
Javier Abelardo-Navarrete, who worked as a seller and broker’s agent
Luis Navarrete, was a closing agent.
Also implicated in the scheme is Navarrete’s daughter-in-law, Teresa Guillen, and Jose Rodriguez, who is still at large

The Miami Herald reports on others arrested in a separate case, police said Fernando Prado, 47, a fake buyer — so-called straw buyers lend their identity and credit history to pretend to buy a home — worked with Tomas Tamayo, 39, a mortgage broker and Damaris Vallin, 36, a title agent, to allegedly pull $75,000 in cash from a fraudulent closing. The house is now in foreclosure. Police would not disclose the address of the property.

Resources:
Press Release
NBC 6 News Video Report on the arrests
Previous NBC 6 News report on mortgage fraud
NBC 6 News article
CBS 4 News article
Miami Herald Article

In the following press release R. Alexander Acosta, United States Attorney for the Southern District of Florida (pictured left), Jonathan I. Solomon, Special Agent in Charge, Federal Bureau of Investigation (FBI), Miami Field Office, Michael E. Yasofsky, Special Agent in Charge, Internal Revenue Service, Criminal Investigation (IRS), Henry Gutierrez, Inspector in Charge, United States Postal Inspection Service, John Large, Acting Special Agent in Charge, United States Secret Service (USSS), Jon Rymer, Inspector General, Federal Deposit Insurance Corporation - Office of Inspector General (FDIC-OIG), Kenneth M. Donohue, Inspector General, U.S. Department of Housing and Urban Development - Office of Inspector General (HUD-OIG), Bill McCollum, Florida Attorney General, William N. Shepherd, Statewide Prosecutor for the State of Florida, Don B. Saxon, Commissioner, Florida Department of Financial Regulation, and Al Lamberti, Broward County Sheriff, announced today the launch of a Federal-State Mortgage Fraud Initiative to combat the growing problem of mortgage fraud in South Florida.

As reported by Fannie Mae in June 2007 and by the Mortgage Asset Research Institute in May 2007, Florida led the nation in mortgage fraud rates this past year. Within Florida, South Florida has the highest rate of mortgage fraud in the state.

The Federal-State Mortgage Fraud Initiative brings together the resources of federal and state law enforcement to investigate and federally prosecute mortgage fraud offenders. In cooperation with the Mayor’s Mortgage Fraud Task Force announced last week and focused on the state prosecutions, this federal Initiative promises the aggressive investigation and federal prosecution of mortgage fraud.

As part of the Initiative, United States Attorney Acosta announced several recent mortgage fraud prosecutions, including two cases this week charging 18 individuals in mortgage fraud schemes that resulted in the issuance of more than $50 million in fraudulent loans. Details can be found in separate entries below.

United States Attorney Acosta stated, “The American dream of home ownership is under attack by mortgage fraudsters. Mortgage fraud puts lenders at risk and confronts homeowners with the possibility of foreclosures and the loss of their homes. As our prosecutions reflect, the perpetrators of mortgage fraud range from straw buyers posing as legitimate purchasers, to dirty mortgage brokers and appraisers, to complicit title agents, attorneys and bank loan officers. Through our Federal-State Mortgage Fraud Initiative, the United States Attorney’s Office and our partner agencies will make criminal mortgage fraud prosecutions a top priority.”

Jonathan I. Solomon, Special Agent in Charge of the FBI’s Miami Office, noted “The FBI views mortgage fraud as a significant and growing crime problem. The mortgage lending and housing market have a considerable overall effect on the nation’s economy and combating mortgage fraud will remain a top priority for the FBI.”

IRS Special Agent in Charge Michael Yasofsky added, “Mortgage fraud adds secret dollars to the underground economy that erodes the integrity of our tax system and threatens the financial health of our communities. IRS-CI will continue to utilize its financial investigative expertise to aggressively investigate criminal activities that adversely affect our financial system.”

John Large, Acting Special Agent in Charge of the U.S. Secret Service, noted, “The Secret Service Miami Field Office embraces this new initiative to address the full scope of mortgage fraud schemes that continue to emerge and victimize South Florida. We will bring to bear our expertise and that of law enforcement partners from our Electronic Crimes Task Force and Financial Crimes Task Force to assist in these significant investigations.”

FDIC-OIG Assistant Inspector General Sara Gibson stated, “The FDIC-OIG is proud to participate in the U.S. Attorney’s Office for the Southern District of Florida’s mortgage fraud task force to help combat crimes that affect the nation’s banks and public confidence in our financial system. We applaud the efforts of the U.S. Attorney’s Office and our law enforcement partners in this endeavor.”

HUD Inspector General Kenneth Donohue added, “Financial crimes involving the housing market undermine the economic infrastructure of our country. We will continue to investigate these cases to stop these destructive practices, deter these pernicious activities, and defend the American system of home ownership.”

“The United States Postal Inspection Service is dedicated to working with the U.S. Attorney’s Office and other agencies in the investigation and prosecution of persons who use the mail to engage in mortgage fraud,” said U.S. Postal Inspector Henry Gutierrez.

“With threat of mortgage fraud on the rise, it is imperative that we address this issue as a united front on the local, state and federal levels,” said Florida Attorney General Bill McCollum. “Our citizens deserve as much protection from this criminal activity as we can cooperatively provide and I am proud of the resources my Office of Statewide Prosecution can add to this effort.”

“The Office of Financial Regulation has and will continue to work with law enforcement and prosecutors to combat mortgage fraud in the state of Florida,” said Commissioner Don Saxon.

Acting Broward County Sheriff Al Lamberti stated, “While criminals like these rob the public using a pen rather than a gun, the damage they cause is just as devastating to their victims. Mortgage fraud and other economic crimes can cripple an individual’s livelihood, and wreck havoc for years to come. The Broward Sheriff’s Office is committed to preventing these kinds of crimes.”

Mr. Acosta commended the investigative efforts of all the federal, state and local agencies participating in the Federal-State Mortgage Fraud Initiative, including the Federal Bureau of Investigation, the Internal Revenue Service, the U.S. Postal Inspection Service, the U.S. Secret Service, the Federal Deposit Insurance Corporation - Office of Inspector General, the U.S. Department of Housing and Urban Development - Office of Inspector General, the Florida Attorney General’s Office, the Office of the Statewide Prosecutor for the State of Florida, the State of Florida Department of Financial Regulation, and the Broward County Sheriff’s Office.

Resources:
Complete Press Release
Mortgage Fraud Rankings Chart (PDF)
Top 10 Mortgage Fraud Hot Spots (PDF)
Types of Mortgage Misrepresentations (PDF)
Audio Report on Press Conference from Miami Herald