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Tish James is accused of falsifying mortgage loan applications. What is the typical penalty if you falsify your federal mortgage application.. hint, jail is likely in your future. Economic side winds continue to keep mortgage interest rates higher. California legislature is proposing that people who lose their home due to natural disasters will have no mortgage payment or interest for up to one year. Who would pay for this gift to homeowners? We discuss all of this and more on this week’s Real Talk. Real Talk is the Right Side of Real Estate.