When someone is facing counterfeit charges, they should consult an experienced Maryland forgery lawyer to start building a strong defense case. It's a federal crime to do what you've done.I represented a bank officer in a federal charge very similar to this except there was a big loss. Lying on a loan application may seem harmless, but even if a lender does not verify every piece of information, it is still considered fraud. 1. Gather your documents. Would you fake some documents in order for you to loan in a bank where you've been a trusted client for 10 years? States generally charge the crime of falsifying documents as a felony crime, as opposed to a misdemeanor. Rene Mitchell moved to have the foreclosure action that was filed against her dismissed because it was based on altered loan documents.