mortgage loan officer charged with bank fraud and aggravated identity theft | USAO-MDFL
Orlando, Fla. — U.S. Attorney Roger B. Handberg announces the return of an indictment charging Evelisse Hernandez (40, Kissimmee) with four counts of bank fraud and four counts of aggravated impersonation. If convicted, she faces up to 30 years in federal prison for each count of bank fraud and a mandatory 2 consecutive years in prison for the counts of aggravated impersonation. The indictment also notifies Hernandez that the United States is seeking an order of forfeiture in the amount of $130,000, representing the proceeds of the criminal conduct charged.
According to the indictment, Hernandez, in her capacity as a licensed mortgage loan officer, created and executed a mortgage fraud scheme targeting the financial institution where she worked. To ensure that otherwise unqualified borrowers were approved for mortgages, Hernandez falsified borrower income through completely fabricated or inflated monthly child support payments on mortgage applications she signed. and certified to the underwriting department of the financial institution. In furtherance of his scheme, Hernandez created fictitious final marriage dissolution judgments showing the borrowers were entitled to monthly non-existent child support payments. Hernandez then used the names of Florida Ninth District Circuit Court judges and forged their signatures on fabricated final judgments of marriage dissolution. Hernandez then created fake statements from the Florida Department of Revenue showing the party was allegedly paying monthly child support payments to the borrowers and fabricated fake prepaid debit card statements showing the borrowers were allegedly withdrawing the non-existent monthly payments from child support. In most cases, the borrowers did not have the indicated children or had never been married. Hernandez submitted false documents to the financial institution to substantiate the false monthly income on the loan applications. Based on Hernandez’s misrepresentations, the financial institution approved and funded the mortgages.
An indictment is simply a formal accusation that an accused has committed one or more violations of federal criminal law, and each accused is presumed innocent unless and until proven guilty.
This matter was investigated by the Federal Housing Finance Agency – Office of Inspector General, the US Department of Housing and Urban Development – Office of Inspector General, and the Florida Office of Financial Regulation. He will be prosecuted by Special Assistant United States Attorney Chris Poor.