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Mortgage Fraud The home equity theft reporter: Upstate NY Assembly Line F‘closure mill law Firm Attracts Spotlight, Scorn From Various quarters; manufactured mortgage assignments Among Allegations Upstate NY Assembly Line F’closure Mill Law Firm Attracts Spotlight, Scorn From Various Quarters; manufactured mortgage assignments Among Allegations. (2) For another of Judge Saitta’s recent rulings denying foreclosure, without prejudice, to a standing-lacking lender, see Bank of NY v Alderazi , 2010 NY Slip Op 20167 (NY Sup. Ct. Kings Cty.A mortgage is a loan from a commercial bank, mortgage company, or other financial institution to purchase a home or other real estate. A lender will give a loan if you meet certain requirements such as a high enough credit score and income level and have the financial ability to pay it back.