‘It happens all the time.’ Experts explain financial tactics behind Marilyn Mosby’s alleged mortgage fraud.

People lie on mortgage applications every day. Fudging a few key details on a routine form can make a loan seem less risky to a lender. Instead of saying they’re buying an investment property, they claim it’s a vacation home. Maybe they don’t disclose a debt. That could make a lender feel more confident about issuing a loan with a lower interest rate and cutting the amount of down payment required.