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Further, the property was listed as "owner-occupied, non-seasonal use" on her homeowners' insurance application, and she reportedly filed a tax return claiming she never occupied the property — despite the loan documents stating otherwise. This alleged contradiction between her representations and reported facts is central to the fraud claim.

Evidence and Legal Considerations

Strengths of the Prosecution

The government has a tangible paper trail: discrepancy between claimed and actual property uses, conflicting tax and insurance filings, and the signing of declarations under penalty of perjury. These provide a basis for a straightforward jury explanation: she said she would use the property as a secondary residence but instead used it as a rental, saving herself money fraudulently.