Typically, you would be required to make the repairs as indicated in the estimate. To be sure that this occurs, these checks normally require the endorsement of your mortgage lender. The lender has an interest in making sure the home is repaired properly and may follow-up to ensure the repairs were completed.
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Fraud requires intent. If you intentionally submit altered documentation, then that could be a fraudulent act.
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Real Estate, Landlord and Tenant, Family Law, Consumer Rights, Nursing Home, Business Law