Providing accurate information on your mortgage application and using a licensed mortgage agent or broker can help you avoid being involved in mortgage fraud. Borrowers who misrepresent information and straw buyers who allow properties to be purchased in their name are committing mortgage fraud.Mortgage fraud for title occurs when someone uses your stolen identity, fake documents and identification to change the title on your home. Obtaining or attempting to obtain a bank loan with fake or manufactured documents is a criminal offence. The Province of Ontario is the first in the world to provide a remote electronic registration system for land titles documents.