It is illegal for a person to make any false statement regardingincome, assets, debt, or matters of identification, or to willfully overvalue any land or property, in a loanand credit application for the purpose of influencing in any way the action of a financial institution.Some of the applicable Federal criminal statutes which may be charged in connection with MortgageFraud include:18 U.S.C. § 1001 - Statements or entries generally18 U.S.C. § 1010 - HUD and Federal Housing Administration Transactions18 U.S.C. § 1014 - Loan and credit applications generally18 U.S.C. § 1028 - Fraud and related activity in connection with identification documents18 U.S.C. § 1341 - Frauds and swindles by Mail18 U.S.C. § 1342 - Fictitious name or address18 U.S.C. § 1343 - Fraud by wire18 U.S.C. § 1344 - Bank Fraud42 U.S.C. § 408(a) - False Social Security Number

They range from RE books to  business books, marketing and sales books, personal finance books, autobiographies of  my  personal inspirations, personal finance books, and classics like "How to Win Friends and Influence People"-  working on my overall health.

@David Dachtera is right on with his comment that various market factors influence the price of a property in both the long and short term.

Although in your specific case being a landscaper you also have influence on people and that if you see anybody with the house that is run down or is ready to be sold you have the first hand contact.

Demons do possess limited power over supernatural world, and and can take over, influence or even possess living  people, or animals and usually invited to possess by person directly thru evil actions, occult power or seared ungodly conscious. 

Each has their niche in the marketplace in helping real estate professionals and investors.I'm eager to connect with other Solo 401K influencers, local Denver real estate professionals, and I have an interest in growing the use of Series LLC to help investors mitigate the costs of LLC's.  

@Medvin B.If you are refinancing you have NO influence over the bank appraisal.If you are in California, I would get your sales license.Here are references for youhttps://www.dropbox.com/s/3ah03vck0yv0de6/I%20hope...here are California appraisals education. www.dre.ca.gov/files/pdf/refbook/ref15.pdf

They will also pick their battles against groups with limited lobbying influence in the area because it offers the path of least resistance.

A skilled agent and PM make a powerful team because If the two really are good, then they should have a sphere of influence that you get to piggyback off of to go further faster.

So, in a way, who "controls" settlement is a bit tied to the influence they hold in the closing.