| http://www.w3.org/ns/prov#value | - Lenders, builders, sellers, borrowers, and other market participants employed and modified old schemes such as property flipping, builder-bailouts, seller assistance, short sales, air loans, foreclosure rescues, and identity theft (see 2007 FBI Annual Mortgage Fraud Report)32; and adopted new schemes, including reverse mortgage fraud, credit enhancements, condo conversion, loan modifications, pump
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