include collusion between mortgage bankers, title companies, real estate agents, and customers themselves, as well as falsified information in the loan application (especially appraisals), forged signatures on loan documents, and false documents of title that together create unsaleable and/or fraudulent loans pledged as warehouse collateral. 'Wet funded" loans are riskier in terms of possible fraud because the credit provider will not be aware of potential collateral problems until after the funds are sent to the loan closing agent. Measures that the warehouse lender can take to limit fraud can be a strong screening process for mortgage banking companies, making sure the loan originator itself has a strong internal screening process, limiting the amount available for 'wet funding,' and requiring that all payment proceeds come through the warehouse lender first from the end purchaser of the mortgage loan held for resale. See also Warehouse bank References Mortgage