Representative Successes

  • Federal prosecutors agreed not to indict our client who was investigated for fraud related to the sale of over 20 Baltimore City properties.
  • Decision by Baltimore United States Attorney's Office not to charge our attorney clients in two separate investigations concerning their alleged role in the illegal "flipping" of houses.
  • Decision by Maryland federal authorities to not bring criminal charges against our client who was investigated for alleged criminal conduct regarding his role in the illegal "flipping" of investment properties and helping to secure fraudulent loans. Substantial sentence below the advisory Federal Sentencing Guidelines for seller of large number of properties in Baltimore Federal mortgage fraud case.
  • Large family circumstance Federal Sentencing Guidelines departure for attorney in a Baltimore Maryland federal criminal mortgage fraud flipping case that resulted in a sentence of home detention. Cooperating witnesses against client received sentences ranging from 17-36 months in prison.
  • Baltimore City fraudulent deed scheme ended with indicted settlement agent receiving a sentence of unsupervised probation.
  • Below Federal Sentencing Guidelines sentence for appraiser of multiple Baltimore City properties convicted of falsifying photographs of properties and using fake comparable listings.

Mortgage Fraud

Federal Criminal Defense Attorneys Baltimore MD | White Collar Crime, Appeals | Maryland

Due in part to the collapse of the subprime mortgage market, mortgage fraud investigations on the part of state and federal law enforcement have dramatically increased. As a result, brokers, settlement agents, real estate agents, appraisers, underwriters, straw buyers, and real estate investors have all come under increased scrutiny. Innocent people find themselves under indictment after prosecutors sometimes improperly determine they were a knowing party to a fraudulent home sale, loan application or real estate investment.

Lawyers at Nathans & Biddle, LLP, have considerable experience navigating the legal complexities and successfully defending individuals investigated or charged with mortgage fraud. We leverage the expertise of investigators, underwriters, appraisers, and forensic accountants in formulating a compelling defense against mortgage fraud charges. We carefully scrutinize original loan applications and settlement documents, the underwriting principles used, and the work product of appraisers to identify weaknesses in investigators theories that are often based on unreliable circumstantial evidence.

Respected and Experienced Criminal Defense

Our attorneys and our firm have received state and national praise for outstanding criminal defense representation. Regardless of whether you're under investigation or have already been arrested, contact mortgage fraud attorneys at Nathans & Biddle, LLP, today to schedule a confidential consultation to discuss your case.

Types of Mortgage Fraud

Our attorneys represent clients facing mortgage fraud charges involving:

  • Fraudulent loan applications
  • Failures to disclose primary residence
  • House flipping
  • Departures from standard underwriting principles
  • Illegal actions as a straw buyer
  • Fraudulent home or other real estate property appraisals
  • Embezzlement of escrow funds
  • Foreclosure reversal/rescue schemes
  • Fictitious or subpar home improvements
  • Kickbacks to owners or brokers
  • Sellers and/or others putting up money supposedly from buyers

Determining Who is Responsible for Fraudulent Information

In the vast majority of mortgage fraud cases, investigators discover that an applicant's reported assets, income, or job information on a loan application has been falsified. In cases involving house flipping, a loan application may not accurately report the buyer-in-interest or the source of a down payment. Unwary people are often misled by mortgage brokers, sellers, relatives, or business partners and unknowingly participate in these fraudulent real estate transactions.

However, in order to convict someone of real estate fraud, prosecutors must prove the accused knowingly acted in a fraudulent manner. By interviewing eyewitnesses, underwriters, bank managers, appraisers, and others, we can often demonstrate that our client was misled or unaware that they were a party to mortgage fraud. This may be as simple as recovering a bank's internal memos or as complicated as deciphering the underwriting codes used by a bank.

Contact Mortgage Fraud and White Collar Crime Attorneys at Nathans & Biddle, LLP

If contacted early enough, our office may be able to redirect or preempt further investigation. If investigators can be assured that you did not knowingly support or engage in mortgage fraud, they may focus their investigation elsewhere. For more information regarding our practice and how we can help you, contact mortgage fraud attorneys at Nathans & Biddle, LLP, today.