Forged Documents fake pay slips, bank statements, or tax returns might be used to substantiate the false income. Mortgage loan fraud occurs when a loan applicant misrepresents a fact on a mortgage application to obtain a mortgage.Review loan documents to ensure they are accurate and complete. The scam can be identified in the details of these documents, so a thorough review is critical. Forgery is not taken lightly in the state of Utah. It is a third-degree felony. This page explains what a residential foreclosure is, the steps involved in the process, and where to get help. When the Request is made, the Lender must deliver to Utah Housing such documents as Utah Housing specifies, at this time, a.