Sentencing following conviction for participation in a large-scale mortgage fraud involving 22 funded mortgages, over $5.5 million advanced, and quantified institutional losses of approximately $3.916 million, with additional harm to homeowners affected by title fraud and redirected mail.
The court held that denunciation and general deterrence were paramount, but found the offender's role, while significant, was not proven to be at the same level as the principal organizers.
The court imposed an 18-month custodial sentence, credited pre-sentence custody at 2:1 for pre-2010 detention, and reduced the remaining sentence to 16½ months.
Restitution was ordered, but only in the amount of $250,000 rather than the much larger jointly and severally framed amount sought by the Crown, based on proportionality, the offender's lesser involvement, and the evidentiary record.