I,m not exactly sure, but I believe deliberate misinformation was widely used.So only the estimater, and the loan officer would be liable? Along with the buyer.When the saving and loans fiasco went down, over a 1000 FBI agents became involved, so far just over 150 are investigating malfeasance that was at least 20 times worse. And the bankers? why big bonuses for being unethical scum.