Hi Sara. You have already received some very good information and I would like to just add one word of caution. If you have reason to suspect mortgage fraud, use one of tools suggested to report your suspicions to the official agency in charge of investigating the claim. Do not talk to others who might then repeat your suspicions to others and spread rumors. When you allege fraud and it turns out not to be fraud, you can get into trouble for defamation or libel. That's why they have ways to report it. Once you have made the report, leave it up to the agency to which you made the report, to investigate.