Prosecutors in New York have charged 13 people with running a massive mortgage fraud scheme. They say everyone was in on the alleged scheme: lawyers, appraisers and mortgage brokers. According to the indictment, mortgage company AFG Financial Group, based on Long Island, targeted properties whose owners were starting to default on their mortgages. The company recruited "straw buyers" — people with good credit scores — to apply for a loan to buy the target property, while promising the distressed owners that they'd get to stay in the home. The indictment says they paid appraisers to inflate the value of the...