Williams purchased a $320,000 Highlands Ranch home by mortgage fraud, immediately after he bought his residential loft at Downing Street, Denver CO. Williams essentially copied the mortgage application he used to buy his Downing Street loft, and submitted the copy of that application to qualify for the Wynspire purchase. He withheld from the lender the fact that he had just increased his debt load by more than $300,000 with the purchase of that Downing Street loft. Williams accurately calculated that the Wynspire closing was so soon after the loft closing that it would not show up on any credit check, etc., so that he could purchase two properties even if he only qualified for one.