Please do a web search of “Capella Mortgage Fraud” as investors are posting about potentially fraudulent deals Capella originated.

The criminal check really wasn't vital but I wanted to make certain he didn't have any fraud charges or anything like that (I was simply being cautious). 

Of course, I don't want to break the law at all and my understanding is that if I left my job and didn't disclose it before the 'loan is complete', I'm at risk of committing loan fraud.

It took me about 6 years to get "... a fountain built in the city of seattle..." because the guy, unfortunately, didn't die with $14 million dollars.Signed qcds not recorded are useless afaik, usually a sign of attempted exploitation, or people selling deeds to property they dont own, (an oldie but a goodie in the fraud world) or medicaid planning that was never completed. 

If you sign that document knowing full well that you will leave in less than a year, then you are committing fraud. 

Sometimes banks are hesitant to approve an owner occupant loan for someone moving from a SFH to a MFH because they suspect mortgage fraud.

interesting I will take a stab at it.most would tell you to do the first option.but if you will sleep better do the second one.. and most likely they will just tell you keep making your payments as agreed. as long as you did not fib on your application in other words your employment changed without you knowing in advance.. if you knew in advance you were not going to be employed and they asked you that and you fibbed then that is mortgage fraud.. and the choice 3 would put the file to bed . although depending on who did the mortgage for you they wont like it they have to pay their rebates back and such with that early of payoff.

And I know I know I could do them form my office but there is wire fraud Risk big time when you do them yourself.. and we have too much money circulating to take that risk.. in person at the bank triple check wire instructions is my MO>

But the comps he gave me have a very large range (about 40k) for basically identical properties.

I have walked through the property and fixed visible things with risk, but I would love to know any attorney I should contact in case I need to fight through a lawsuit when there is a fraud.