A 40-year-old Kissimmee woman is facing the possibility of up to 30 years in prison after she was indicted on multiple counts of bank fraud and identity theft.
The Department of Justice United States Attorney’s Office for the Middle District of Florida brought the charges against Evelisse Hernandez for her involvement in defrauding the financial institution where she worked.
According to the indictment, Hernandez used her role as a licensed mortgage loan officer to create and execute a mortgage fraud scheme. In order to ensure that unqualified borrowers were approved for mortgage loans, Hernandez falsified the borrower’s income through inflated or completely fabricated monthly child support payments on mortgage loan applications that she signed and certified to the financial institution’s underwriting department.
Furthermore, the indictment alleges that Hernandez created fictitious final judgements of dissolution of marriage showing borrowers were entitled to receive non-existent monthly child support payments. It claims that Hernandez then used the names of judges from the circuit court of the Ninth District of Florida and forged their signatures on the falsified judgement documents.
The indictment goes on to allege that Hernandez also created fake Florida Department of Revenue statements showing monthly child support payments to the borrowers and created fake, prepaid debit card statements showing the borrowers withdrawing non-existent monthly child support payments.
In most cases, the borrowers did not have the children in question, or had never been married. The indictment further states that Hernandez submitted fake paperwork to the financial institution to support false monthly incomes on loan applications.
The indictment argues that as a result of Hernandez’s alleged misrepresentations and fraudulent practices, the financial institution approved and funded the mortgage loans.