What is mortgage fraud refers to intentionally providing false or misleading information during a mortgage application or real estate transaction to obtain financial benefits unlawfully. Common examples include falsifying income documents, misrepresenting property values, hiding debts, or using false identities. Mortgage fraud can result in serious legal consequences, including fines, financial penalties, and criminal charges. Understanding what is mortgage fraud can help borrowers, lenders, and property buyers recognize suspicious activities, protect their financial interests, and avoid potential legal complications.