Stories about occupancy fraud, until very recently, never made the news. And in 2025, stories about occupancy fraud are everywhere, as allegations of it are the cudgel-du-jour in and around Washington, DC. Intent is keyAs mortgage investigators, we look for these contingencies as well as any indications of a borrower’s intent. If you couple “no fraud” with “extenuating circumstances” then you don’t have breach of contract either. He took my papers from me and read the complaint and my allegations of occupancy fraud.