It is still possible to be charged with fraud even when the bank or mortgage officials knew that you were making false statements on your loan application, and even if the mortgage or bank officials actually encouraged you to make those false statements (for example, by falsifying your income to qualify for a larger mortgage). This is due to the fact that you still knew the information to be false and used it anyway. If this happened to you, our lawyers are here to help build a strong defense in your case, which can involve ensuring that the mortgage or bank officials who committed the fraud are held responsible. If so, it can help to minimize the potential penalties you may be facing.