I won’t identify the OP by name, but it took about 10 minutes of googling before I was reading the sentencing memorandum filed by the U.S. attorney in his case. An excerpt:
"In his sentencing memorandum, [the defendant’s] labored efforts to deflect responsibility from himself to others approach the edge of acceptance of responsibility for his criminal conduct. Although his sentencing memorandum squeezes in a whispered mea culpa from time to time, it is weighted almost entirely with repeated declarations that others were responsible for a scheme of which he was not fully aware and thus he should not be held fully accountable for his actions in support of that scheme.
"[The defendant] begins his sentencing memorandum with a statement that he “ceased his involvement in the scheme prearrest . . . .” Def, Mem at 1. If this statement is meant to convey a message that [the defendant] in some way walked away from the fraudulent scheme, it is simply not correct. The facts are that the FBI began its investigation in February or March of 2008 and [the defendant] was one of the primary targets from the outset because he was the recruiter for so many of the straw borrowers.
[The defendant] was still recruiting straw borrowers for properties that closed in April of 2008. By mid-2008 the scheme was failing because of the FBI investigation and because straw borrowers recruited by [the defendant] and others had been complaining for some time about renovations not made, units not rented and mortgage payments not paid. [The defendant] was interviewed by the FBI in December 2008. [The defendant] had not somehow followed a moral compass and left the scheme. He was an active, aggressive participant until the scheme itself was ended."
While the criminal conduct ended in 2008 – only because of heat from the feds – the OP was charged in 2010, pleaded guilty on the eve of trial in summer 2015, and was sentenced to federal prison in November 2015.
We’re all entitled to second chances, and the OP is certainly entitled to make his case that time and subsequent law-abiding conduct has mitigated his crimes. But I hope the adjudicator got to read that sentencing memorandum.