acquiring mortgages and loans [debt] aint criminal...you caint steal from lenders by borrowing from them...the part about him using false information and bogus bank statements sounds like mail fraud and dat will get you 5...
one of my close friends done 4 years for mortgage fraud...his wife got a year... dude had 13 houses and drove an 8 year old toyota corolla ..... very low key guy
a bytch snitched on him and he got arrested in the bank...smh