Mortgage Fraud Defense Lawyer Dallas
» Print This PageYou Could Be Facing 30 Years in Federal Prison and a $1 Million Fine. Get a Defense That Actually Fights Back.
Mortgage fraud charges can destroy everything you have built.
One accusation of committing mortgage fraud can put your freedom, your career, and your entire future at risk.
If you are under investigation or already facing mortgage fraud charges, the government is building a case against you right now.
They are gathering evidence from your loan applications, your financial information, and every document you ever signed.
Prosecutors do not care if you made an honest mistake on your mortgage loan paperwork or if a mortgage lender pressured you into providing false information.
Bank fraud and mortgage fraud allegations carry some of the harshest penalties in the federal system.
A conviction for falsifying documents on a mortgage transaction can result in decades of prison time, heavy fines, and complete financial devastation.
Real estate professionals, loan officers, and appraisers can lose their professional licenses and ability to work in their field forever.
A fraud conviction follows you for life, affecting employment, credit, and your reputation.
Texas mortgage fraud cases are particularly complex because they can be prosecuted under state law, federal laws, or both.
The Texas Residential Mortgage Fraud Task Force and FBI work together to target anyone involved in suspicious real estate transactions.
If you are facing mortgage fraud charges, you need a Dallas mortgage fraud attorney who understands how prosecutors build these cases and knows how to dismantle them.
How Michael Lowe Can Help You Fight Mortgage Fraud Charges
Defending clients charged with mortgage fraud requires an attorney who has been on the other side of the courtroom and knows exactly how the government operates.
Michael Lowe provides aggressive defense representation for clients accused of mortgage fraud in Dallas and throughout Texas.
Federal Mortgage Fraud Defense
Federal mortgage fraud charges carry penalties of up to 30 years in prison and fines up to $1 million under the Fraud Enforcement and Recovery Act.
Michael Lowe handles federal defense cases in districts across Texas, challenging the government’s evidence at every stage and fighting for the best possible outcome.
State Mortgage Fraud Defense
Texas Penal Code Section 32.32 makes it a felony to provide a materially false statement to obtain property or credit, including a mortgage loan.
State convictions can result in 2 to 99 years in prison.
Michael Lowe defends clients against state mortgage fraud allegations with the same intensity he brings to federal court.
Appraisal Fraud Defense
Accusations of inflating or deflating property values to manipulate a mortgage loan approval can target both appraisers and borrowers.
Michael Lowe investigates the circumstances surrounding appraisal allegations and builds a strong defense against these charges.
Straw Buyer and Equity Skimming Defense
Prosecutors target schemes involving straw buyers used to obtain loans and skim equity from properties.
These allegations involve multiple defendants and complex financial evidence that requires careful analysis.
Foreclosure Rescue Scam Defense
Homeowners in financial distress are sometimes accused of participating in foreclosure rescue schemes.
Michael Lowe examines whether his clients were victims or unwitting participants rather than knowing perpetrators.
Wire Fraud and Bank Fraud Defense
Mortgage fraud charges are frequently accompanied by wire fraud and bank fraud allegations.These additional charges can dramatically increase potential prison time and fines.
Michael Lowe knows how to defend against any additional charges being piled on top of the mortgage fraud charge.
A Former Prosecutor Who Knows How Mortgage Fraud Cases Are Built Against You
Michael Lowe spent years as a prosecutor before dedicating his career to criminal defense, which means he knows exactly how federal agents and district attorneys assemble mortgage fraud cases and where their evidence is weakest.
His 150+ jury trials exposed him to every prosecutorial tactic, and when prosecutors see his name on the other side, they know every aspect of their case will be dissected piece by piece.
His Board Certification in Criminal Law since 2007, a distinction held by less than 10% of Texas attorneys, signals to prosecutors that your mortgage fraud defense will be handled at the highest level of competence.
When you are accused of mortgage fraud in Dallas TX, you need a lawyer who lives and breathes this work.
That’s Michael Lowe.
Speak to the Dallas Mortgage Fraud Attorney You Need Today
If you are facing mortgage fraud allegations, your freedom is on the line.
These allegations will not go away on their own.
The longer you wait, the more time prosecutors have to build their case against you.
Michael Lowe offers a free initial consultation to discuss your situation and legal options.
Every conversation is completely confidential.
Call (214) 526-1900 now to speak with a Board Certified Criminal Lawyer who will fight for your future.
Frequently Asked Questions About Mortgage Fraud
What is considered mortgage fraud in Texas?
Mortgage fraud occurs when someone intentionally makes a materially false or misleading written statement to obtain a mortgage loan. Common examples include falsifying income on loan applications, providing false information about employment or assets, appraisal fraud where property values are inflated, and using straw buyers to circumvent lending requirements. Both borrowers and lenders can face mortgage fraud charges.
What are the penalties for mortgage fraud convictions?
Federal mortgage fraud convictions can result in up to 30 years in prison and fines up to $1 million. Texas state charges can lead to prison time ranging from 2 to 99 years depending on the amount of money involved. Courts may also order full restitution to victims, and convicted individuals often lose professional licenses.
Can I be charged if I did not know the information was false?
The prosecution must prove you intentionally or knowingly made false statements. If you relied on information provided by others, made honest mistakes, or were misled by a mortgage lender or real estate professional, these facts can form the basis of a defense strategy. An experienced attorney can investigate whether the government can actually prove criminal intent.
What should I do if I am under investigation for mortgage fraud?
Do not speak to investigators, federal agents, or anyone else about the allegations without an attorney present. Phone conversations can be recorded and used against you. Contact a Dallas mortgage fraud attorney immediately to protect your rights and begin building your defense before charges are filed.
How do federal and state mortgage fraud cases differ?
Federal cases typically involve larger dollar amounts, interstate transactions, or federally insured mortgage lenders with harsher penalties and extensive government resources. State cases are prosecuted under Texas law in state court. Some defendants face both federal and state charges for the same conduct.
What defense options are available in mortgage fraud cases?
Defense strategies may include challenging the sufficiency of evidence, demonstrating lack of intent to defraud, showing that alleged misrepresentations were not material to the loan decision, and investigating whether the government violated your constitutional rights during the investigation.
