Mortgage fraud for title occurs when someone uses your stolen identity, fake documents and identification to change the title on your home. Borrowers who misrepresent information and straw buyers who allow properties to be purchased in their name are committing mortgage fraud.Complete our secure online application. Secure Online Portal. Three individuals are under indictment for an alleged mortgage fraud scheme operating throughout California. Should you have any questions regarding the completion of this form, please contact the Assessor's Office at (510) 272-3800. HUD OIG conducts audits, evaluations, investigations, and other reviews of the programs and operations of HUD.