While there are many different types of mortgage fraud, mortgage broker fraud is a very specific kind of mortgage fraud, in that the mortgage broker has taken some action in order to increase his or her own commission, or otherwise benefit his or her own interests. For instance, in an attempt to make a commission from a real estate sale, a mortgage broker might help a buyer finance a "silent" second mortgage of which the lender is unaware, so as to pay for the down payment on the primary mortgage loan. Another common scenario is when a mortgage broker changes or falsifies information on mortgage loan application documents, so as to enable a person to get a loan from a lender when, in reality, the person would not qualify for the loan. In more complex schemes, some mortgage brokers will embark upon a series of fraudulent home purchases, loans, and reselling of homes, which can result in substantial extra commissions for the broker over time.