Why a Mortgage Fraud conviction matters
Mortgage fraud prosecutions often combine false loan applications, wire or mail fraud, bank fraud, conspiracy, and identity-related conduct. The first step is therefore to identify exactly which convictions still count for federal firearm purposes.
How DOJ’s current restoration rule may treat the offense
Many nonviolent mortgage-fraud felonies will likely be treated as other felonies for the five-year post-sentence presumption, but the specific counts and underlying conduct must be checked.
If the conviction was under state law, state restoration mechanisms may also affect how federal law treats the conviction under 18 U.S.C. § 921(a)(20). That analysis is different from a federal conviction under the same general fact pattern.
What records should be reviewed?
For a felony-based firearm disability, DOJ currently directs applicants to gather the charging document, judgment of conviction, and official proof of the date the final sentence requirement was completed. Depending on the case, the plea agreement, factual basis, presentence report, prior restoration applications, and state criminal-history records may also be required. See the complete Federal Restoration Required Documents Checklist →
State law can still change the answer
If the mortgage fraud conviction was entered in state court, a pardon, set-aside, expungement, restoration of civil rights, or firearm-specific order may affect whether the conviction continues to count for federal firearm purposes. The legal effect of the actual order matters. Use the Gun Rights by State guides to identify the separate state layer.
What should you do next?
Start with the Eligibility Review if you are not sure which restoration path fits. If a federal § 925(c) application appears relevant, use the shorter federal restoration services. You can also read the September 2026 DOJ update and the main gun-rights restoration FAQ.
Frequently asked questions
Possibly. A mortgage fraud conviction can be reviewed for restoration, but there is no single federal “mortgage fraud” rule. The exact counts, loss amount, sentence, restitution, and any related identity or money-laundering offenses matter.
Many nonviolent mortgage-fraud felonies will likely be treated as other felonies for the five-year post-sentence presumption, but the specific counts and underlying conduct must be checked. The exact judgment and underlying conduct should be reviewed before relying on a general category.
Start with the charging document, judgment, plea or trial disposition, sentencing records, official proof of when the final sentence requirement was completed, and copies of any prior pardon or rights-restoration order. DOJ also currently requires state criminal-history records covering the applicable period.
Not necessarily. Probation, parole, supervised release, community service, restitution, fines, or other criminal sentence requirements can affect the final sentence-completion date.
Sometimes, particularly for state convictions, but federal law looks at the legal effect of the relief. A pardon, expungement, set-aside, or restoration of civil rights should be reviewed under 18 U.S.C. § 921(a)(20) and current state law.
No. Filing an eligibility review, a FelonJustice intake, or an official DOJ application does not suspend a firearm prohibition. Relief must actually be effective under every applicable federal, state, and tribal rule.