Investigation Services
Identify, Solve and Report Criminal Complaints Efficiently and Affordably
Lone Star Legal Services provide Independent Investigation Services to victims of Criminal and Civil Fraud. Moreover, we provide unique skill sets to those individuals, companies and entities that have experienced criminal and/or civil Fraud.
Find & Identify People & Businesses
Locate Assets & Assist with Judgment Collections
Uncover Business Entity Ownerships
Investigate Background Reports
Reveal New Information
Quickly Identify Connections Between Associates
Investigate Criminal & Civil Fraud
Conduct Corporate Due Diligence
Organize and Assist with Criminal Complaint Filings
Although we work with a California Licensed Private Investigation firm, we are NOT a Licensed Private Investigation entity.
Mortgage Fraud Investigation Services
MORTGAGE FRAUD
The Four Elements of Mortgage Fraud
Intentional Misrepresentation
Knowledge of the Falsehood
Reliance on the Fact
Damage as a Result
Types of Mortgage Fraud
While there are a number of different types of mortgage fraud, there are some that are more common, and each has its own red flags for how to detect them.
Occupancy Fraud
Occupancy fraud occurs when the borrower misrepresents whether a property will be occupied or not. Often, the owner may live elsewhere but will claim that the home will be owner-occupied to obtain favorable bank status, even though the property will actually be vacant.
Straw Buyer
A straw buyer is someone who specifically and knowingly acts on behalf of the true purchaser, misrepresenting the nature of the transaction.
Non-Arm's Length Transaction
A Non-Arm’s Length Transaction is a very common type of transaction fraud, this occurs when the two parties involved in the mortgage loan have a personal relationship in some way, making both the lender and borrower susceptible to manipulation by the other.
Property Flip
An Illegal Property Flip occurs during the purchasing of a property at below market, holding it, or improving it and reselling it at an artificially inflated price.
Income Fraud
Income fraud takes place when the borrower misrepresents the availability or continuity of the source of income required for the loan amount. The two common types of income fraud are:
False Stated Income — the income information on the uniform loan application is not fully verified;
Misrepresentation of Employment — the borrower presents fictitious proof of employment such as fake pay stubs and employer documentation.
Mortgage Fraud Penalties
State Bank fraud (§1344) Making false statements to a financial institution (§1014) carry more severe penalties with defendants facing up to a 30-year prison sentence. §2314, in contrast, carries a relatively lighter sentence of up to 10 years in prison.
Federal Mortgage Fraud (§ 157) Committed when a person engages in a scheme to defraud during the mortgage application process. Under Federal Law, Mortgage Fraud is a Class C Felony, punishable by up to twenty (20) years in prison, three (3) years of supervised release and $5 million in fines.
Federal Investigative Agencies for Mortgage Fraud
FFETF (Financial Fraud Enforcement Task Force Washington D.C.
FTC (Federal Trade Commission)
FBI (Federal Bureau of Investigation) Special Fraud Division Located at the FBI Atlanta Field Office
DOJ (United States Department of Justice) Criminal Division/Fraud Section located in Washington D.C.
HUD (Housing and Urban Development) Office of the Inspector General Washington D.C.
State Investigation Agencies
Attorney General Office
Department of Banking
State Department of Justice (DOJ)
Lone Star Legal Services provides an effective strategy for multiple Mortgage Lenders who have lent money to Real Estate Property to a single or small amount of associated Borrowers who have mislead and deceived the Lenders during the process of lending and violating their Joint Venture Agreements by committing Mortgage Fraud.
We work with these multiple Lenders by grouping the Lenders together, capture information and complete Federal and State Mortgage Fraud Criminal Complaints. Group the complaints together and submit to Federal and State Agencies. Follow up directly with each agency for maximum exposure and attention in order to imitate an official inquiry that leads to an investigation of the Borrower(s).
Filing individual Criminal Complaints often get lost inside the Government Agencies and need to be submitted collectively to capture maximum exposure and create attention to form an investigation.
There are opportunities when the Borrowers realize that there is a very good chance that Federal and State Authorities will be investigating, the Borrowers become motivated to sign over property deeds back to the Lenders who then can control the property and potentially sell off their liabilities.
In addition, Lone Star Legal Services sources out a Civil Law Firm that specializes in filing contingency Lawsuits in the State where the Borrower(s) reside to collect damages and losses associated with the Mortgage Fraud acts.
Sometimes it is necessary to brief local news media agencies where the Borrower is located to get maximum exposure when the Criminal Complaints are submitted. Lone Star Legal Services provides those media contact services when needed.
Investigation Services
Identify, Solve and Report Criminal Complaints Efficiently and Affordably
Lone Star Legal Services provide Independent Investigation Services to victims of Criminal and Civil Fraud. Moreover, we provide unique skill sets to those individuals, companies and entities that have experienced criminal and/or civil Fraud.
Find & Identify People & Businesses
Locate Assets & Assist with Judgment Collections
Uncover Business Entity Ownerships
Investigate Background Reports
Reveal New Information
Quickly Identify Connections Between Associates
Investigate Criminal & Civil Fraud
Conduct Corporate Due Diligence
Organize and Assist with Criminal Complaint Filings
Although we work with a California Licensed Private Investigation firm, we are NOT a Licensed Private Investigation entity.
Mortgage Fraud Investigation Services
MORTGAGE FRAUD
The Four Elements of Mortgage Fraud
Intentional Misrepresentation
Knowledge of the Falsehood
Reliance on the Fact
Damage as a Result
Types of Mortgage Fraud
While there are a number of different types of mortgage fraud, there are some that are more common, and each has its own red flags for how to detect them.
Occupancy Fraud
Occupancy fraud occurs when the borrower misrepresents whether a property will be occupied or not. Often, the owner may live elsewhere but will claim that the home will be owner-occupied to obtain favorable bank status, even though the property will actually be vacant.
Straw Buyer
A straw buyer is someone who specifically and knowingly acts on behalf of the true purchaser, misrepresenting the nature of the transaction.
Non-Arm's Length Transaction
A Non-Arm’s Length Transaction is a very common type of transaction fraud, this occurs when the two parties involved in the mortgage loan have a personal relationship in some way, making both the lender and borrower susceptible to manipulation by the other.
Property Flip
An Illegal Property Flip occurs during the purchasing of a property at below market, holding it, or improving it and reselling it at an artificially inflated price.
Income Fraud
Income fraud takes place when the borrower misrepresents the availability or continuity of the source of income required for the loan amount. The two common types of income fraud are:
False Stated Income — the income information on the uniform loan application is not fully verified;
Misrepresentation of Employment — the borrower presents fictitious proof of employment such as fake pay stubs and employer documentation.
Mortgage Fraud Penalties
State Bank fraud (§1344) Making false statements to a financial institution (§1014) carry more severe penalties with defendants facing up to a 30-year prison sentence. §2314, in contrast, carries a relatively lighter sentence of up to 10 years in prison.
Federal Mortgage Fraud (§ 157) Committed when a person engages in a scheme to defraud during the mortgage application process. Under Federal Law, Mortgage Fraud is a Class C Felony, punishable by up to twenty (20) years in prison, three (3) years of supervised release and $5 million in fines.
Federal Investigative Agencies for Mortgage Fraud
FFETF (Financial Fraud Enforcement Task Force Washington D.C.
FTC (Federal Trade Commission)
FBI (Federal Bureau of Investigation) Special Fraud Division Located at the FBI Atlanta Field Office
DOJ (United States Department of Justice) Criminal Division/Fraud Section located in Washington D.C.
HUD (Housing and Urban Development) Office of the Inspector General Washington D.C.
State Investigation Agencies
Attorney General Office
Department of Banking
State Department of Justice (DOJ)
Lone Star Legal Services provides an effective strategy for multiple Mortgage Lenders who have lent money to Real Estate Property to a single or small amount of associated Borrowers who have mislead and deceived the Lenders during the process of lending and violating their Joint Venture Agreements by committing Mortgage Fraud.
We work with these multiple Lenders by grouping the Lenders together, capture information and complete Federal and State Mortgage Fraud Criminal Complaints. Group the complaints together and submit to Federal and State Agencies. Follow up directly with each agency for maximum exposure and attention in order to imitate an official inquiry that leads to an investigation of the Borrower(s).
Filing individual Criminal Complaints often get lost inside the Government Agencies and need to be submitted collectively to capture maximum exposure and create attention to form an investigation.
There are opportunities when the Borrowers realize that there is a very good chance that Federal and State Authorities will be investigating, the Borrowers become motivated to sign over property deeds back to the Lenders who then can control the property and potentially sell off their liabilities.
In addition, Lone Star Legal Services sources out a Civil Law Firm that specializes in filing contingency Lawsuits in the State where the Borrower(s) reside to collect damages and losses associated with the Mortgage Fraud acts.
Sometimes it is necessary to brief local news media agencies where the Borrower is located to get maximum exposure when the Criminal Complaints are submitted. Lone Star Legal Services provides those media contact serMobile footervices when needed.
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619-352-0411