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residential mortgage loan application. Petitioner’s preparation
of these applications included ensuring that required documents
such as the applicant’s bank statements were included and that
the application was properly assembled and complete. Petitioner
would then follow each application until the mortgage loan
closed.
At the time petitioner married Mr. Barrera, he was the owner
of Financial Research Services, the mortgage brokerage company
where petitioner was employed. Petitioner was never an officer
of Financial Research Services, nor did she have an ownership
interest in the company separate from that of Mr. Barrera’s
interest. After her marriage to Mr. Barrera, petitioner stopped
working as a loan officer at Financial Research Services.
Thereafter, up until her pregnancy with her daughter in 1996,
petitioner occasionally worked at Financial Research Services,
going in to perform filing or other clerical work on an as-needed
basis.
During the first years of their marriage, petitioner and Mr.
Barrera lived a very nice and comfortable life. They lived in
what petitioner considered a “fabulous” house in a community in
Miami-Dade County known as Pine Bay Estates (Pine Bay Estates
house). They had two children, a daughter born in 1997 and a son
in 1998, and petitioner was a stay-at-home mother. The family
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