You have bigger issues to worry about if your identity was stolen.

These are priced identical to 'normal' high balance loans, no rate/fee hit aside form that.The "official" announcement of the 2023 loan limits will come around thanksgiving, and it will "officially" be in place/available on Jan 1, 2023.

Not only is this mortgage occupancy fraud, it is a federal offense and you can go to prison as well as pay hefty fines for that.

For those who have done so, have there been accusations of mortgage fraud? 

(background info: their identity has been verified on Airbnb, they don't have any bad reviews, but they don't have any positive reviews either, and they do have a photo of themselves)What are your thoughts on this?

@Diandre PierceI would also be careful as typically those first time programs require you to live in them for a period of time and will cal the loan if you apply for another loan and they find out you are not living there - as it’s considered mortgage fraud.

You're right to be concerned as FHA has an entire "occupancy fraud" division.If I were in your shoes, I'd start by creating a paper trail of the events that lead to this situation and then contact the lender for advice. 

After doing some digging, they are notorious for this exact thing, and have had dealings with fraud in the past. 

And even then watch for special tax credits that may exist on Property A and not apply on an identical Property B immediately adjacent 

That constitutes a tort called "fraud in the inducement" for which you can be sued.3.