A report from NBC DFW 5 in Texas. "This December marks ten years since the housing market crash. And now, mortgage fraud is ticking up nationally making some in the housing industry worry we could be heading in the wrong direction. 'Somebody took me all the way to the night before closing and didn’t end up closing on that property and had lied about everything,' said Keller Williams’ realtor Caralee Gurney. 'Lied about their job, lied about where they were living.'"

"Some buyers are so eager to get into a house, at times out of their budget, they are willing to lie. When comparing the fraud specifically seen among subprime lenders in the years leading up to the crash of 2008 and the kind of fraud they are witnessing now, Gurney said, 'the fraud today is more about the buyers being the fraudulent people.'"

"Eager buyers are sometimes willing to lie about their income or the job in order to qualify for a larger home loan, research has found. Others will keep their job only until the bank or lender verifies five days before the closing day, as is law in Texas."

"'And then they quit the next day,' said Gurney. 'Again, not being truthful about having that job and actually being able to qualify for the loan.'"

"'Yes, it is happening,' said Gayln Ziegler, industry analyst with Opendoor brokerage firm in Dallas. Ziegler found mortgage fraud is up nationally about 22 percent year over year, mostly in states like New York and California. 'News like this always makes me a little concerned because this is not something you want to see happen,' she said."

"So who’s committing mortgage fraud? Typically it is buyers who are self-employed or those from out of state who are in a competitive sellers’ market, according to both women."

"What’s also concerning, she says, is that the onus is supposed to be on lenders. 'There’s more competition and a lot of those people [lenders] work on commission so they might be a little more eager to push something through that they might not have a couple years ago,' said Ziegler."

From Newswatch 12 in Oregon. "Windermere Real Estate's Chief Economist Matthew Bardner stopped by Medford. He spoke about Medford's housing market and what is expected. He says the country is really having the same housing issues right now. The West Coast and East Coast are especially struggling with young adults buying their first homes, because they just can't afford them."

"Houses are being built that millennials can't afford or even want and that's a concern he says again is across the whole country. Builders are not building to that age demographic and he says they should be."

"Newswatch 12's Leah Thompson asked Matthew if Medford is in a housing crisis because of these reasons and the fact it is so hard for anyone in the area to own a home. He says no."

"Matthew Gardner says 'No I don't. I think if anyone is trying to take the comparisons of now to 2008 is looking at it all wrong. In 2008 the reasons why the bubble burst was an awful lot of speculate investment, but more importantly a lot of people buying homes that quiet frankly shouldn't of been. They couldn't afford them, they really couldn't afford the mortgages.'"