Though it might violate a contract, it's not fraud if your conditions change and you have to rent out part of your home to make the mortgage payment. (money.stackexchange.com)
You have to watch out for this because it is more common than you could imagine and is even an area of fraud of interest to organized crime. (geowarehouseblog.ca)
Cases of fraud in these particular sectors are with the passage of time becoming pretty common. (typeboard.com)