KRS 434.095: Obtaining real estate loan by substituting or making false instrument --

Subsequent offenses.

Any person who, with intent to defraud, either substitutes one (1) instrument in writing

for another and by this means causes the making of a loan or the ext ension of credit, or

induces by any fraudulent instrument in writing the making of a loan or the extension of

credit as a part of a transaction by which either the title to real property is transferred or

valuable improvements are placed on real property in this state, whether for the benefit of

himself or another, is guilty of a Class D felony.