A Michigan woman and her niece were arrested in Atlanta by the FBI at the closing of a $1 million mortgage loan in an alleged mortgage fraud scheme.  Donna June Baker allegedly used the stolen identity of a retiree who is actually living on Social Security and a small pension in Florida, at a closing on a million-dollar mortgage loan to refinance a property, according to officials.

The closing, however, was a sting operation set up by the federal government. Baker planned to walk away from the closing with nearly $100,000 in cash, but instead left in FBI handcuffs, according to officials.  Baker allegedly used the name and Social Security number of a permanently disabled retiree.  The complaint alleges Baker, using the identity of the retiree, claimed that her income was $23,500 a month to the mortgage lender. According to the complaint, this million-dollar property was originally bought using the same stolen name and social security number in September 2005 from Baker's niece, Mixon-Hampton, who is also charged in a criminal complaint.