Zero Tolerance Loan Fraud Policy

Required from the borrowing entity and from each guarantor on the loan.

Your Information

Full legal name *Email address *Phone *Borrowing entity nameSubject property addressYour role

Policy Statement

Ammag Holdings LLC dba Ammag Realty Group maintains a zero tolerance policy toward loan fraud. Loan fraud is a serious offense. Any misrepresentation, whether made by the borrower, a guarantor, a broker, an agent, an appraiser, a contractor, or any other party to the transaction, is grounds for immediate termination of the file and may carry severe civil and criminal consequences.

All parties to a transaction financed by or through this company are expected to conduct themselves with complete honesty and to disclose every material fact bearing on the loan. Where there is any question whether a fact is material, it must be disclosed.

What Constitutes Loan Fraud

Submission of inaccurate or falsified information, including false statements on any loan application.
Forgery or alteration of any document, signature, date, or figure.
Inaccurate representation of current occupancy or intended use of the property.
Lack of due diligence or knowing omission by any party to the transaction.
Unquestioned acceptance of information or documentation known to be false.
Failure to disclose a material fact, liability, judgement, or pending litigation.
Falsified or altered bank statements, tax returns, W-2s, pay stubs, or verification of deposit.
Undisclosed side agreements, kickbacks, or payments outside of the settlement statement.
Straw borrowers, undisclosed parties in interest, or misrepresentation of the source of funds.

This list is illustrative and not exhaustive.

Consequences of Loan Fraud

Acceleration of the loan. The note is subject to a demand for immediate full repayment, and failure to pay may result in foreclosure.
Criminal prosecution. Loan fraud is punishable by fines and imprisonment under federal and state law.
Civil action by the lender. The lender may pursue recovery of all losses, costs and attorney fees.
Civil action by other parties. Sellers, real estate agents, appraisers, title companies and other injured parties may bring suit.
Loss of professional license. Licensed participants may lose the right to practice within their profession.
Adverse credit reporting. The matter may be reported to credit repositories and reflected on your credit record.
Referral to regulators. The file may be reported to the FBI, HUD, state regulators, and any applicable licensing authority.

Acknowledgement

I have read and understand the Zero Tolerance Loan Fraud Policy in its entirety.I certify that all information and documentation I have provided or will provide in connection with this loan is true, accurate and complete, and that I have disclosed every material fact known to me.I understand that any misrepresentation may result in acceleration of the loan, criminal prosecution, civil liability, and referral to the appropriate regulatory and law enforcement authorities.

Electronic Signature

Print full legal name *Title (if signing for an entity)

Draw your signature *

Sign with your finger, stylus or mouse. This is your legal electronic signature.

By signing and submitting, you agree that your electronic signature is the legal equivalent of a handwritten signature and that the information provided is true and complete to the best of your knowledge. Submitted on August 2, 2026.

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