>>I do some real estate in Vegas, so I can tell you ditto is exactly right, observed it personally.<<
Would you tell us your story....without names of course. (unless they have been prosecuted and sentenced.)
You want my story. Just doing real estate, bumped into a potential client who was a union construction worker and I later found out 8 year illegal. He would have qualified just fine for the loan, my loan person had no problem and told me it was done all the time. His girlfriend/wife was only recently "immigrated", working at Jack in the Box, couldn't speak any english.