Part 3/11:
The issue is compounded by evidence indicating she never actually resided in the home. Instead, her grandniece and her children moved in immediately after purchase, and subsequent tax records show she reported no personal occupancy and even received rental income — all while the mortgage contract explicitly stated that the property was for her personal use only. The conflicting statements across her mortgage application, IRS filings, and New York financial disclosures seem to suggest deliberate misrepresentations, potentially leading to charges of bank fraud and making false statements, with penalties possibly reaching up to 60 years in prison.