You committed mortgage fraud if you used a VA loan for an investment property.

They are FRAUDS AND SCAMMERS.

Currently a VP in Global Fraud for Citibank, working from home.

Would this be considered as a fraud ?

And you are committing fraud selling a house FSBO you do not own.

To move forward, to become the person you want to become for yourself and your wife, you have to find a way to cleave that identity/label from your being.

Wherever thetext of this document so requires, the singular includes the plural.Dated: ______________________________________________________ _________________________________________A notary public or other officer completing this certificateverifies only the identity of the individual who signed thedocument to which this certificate is attached, and not thetruthfulness, accuracy, or validity of that document.STATE OF )SSCOUNTY OF )On before me, , Notary Public, personally appearedwho proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the withininstrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that byhis/her/their signature(s) on the instrument the person(s), or the entity upon behalf of which the person(s) acted, executed theinstrument.I certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct.WITNESS my hand and official seal.SignatureThis area for official notarial seal.A notary public or other officer completing this certificateverifies only the identity of the individual who signed thedocument to which this certificate is attached, and not thetruthfulness, accuracy, or validity of that document.STATE OF )SSCOUNTY OF )On before me, , Notary Public, personally appearedwho proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the withininstrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that byhis/her/their signature(s) on the instrument the person(s), or the entity upon behalf of which the person(s) acted, executed theinstrument.I certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct.WITNESS my hand and official seal.SignatureThis area for official notarial

An identical apartment occupied by a traveling salesmen hardly home would mostly likely be allocated the identical amount based on RUBS.I listened for a year to a co-worker whose landlord allocate utilities.

"Deciding" to artificially lower these amounts in order to qualify for a mortgage is otherwise known as mortgage fraud.

Selling a $200K house (appraised) for $250K with $25K down looks a lot like fraud.