The mortgage and title company back dated and changed the papers to add mortgage insurance after we signed the loan.
Family Law Attorney
What are your damages? If you don't have any the statute of limitations is irrelevant.
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It is my understanding that AZ has a three year statute of limitations for fraud. You should consult with a local attorney to see if AZ has a "discovery rule" so that the time that the three year period begins to run is when you knew, or should have known, of the fraud.
I am not a AZ attorney, laws vary from state to state, therefore you should always consult a local attorney.
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Contracts / Agreements Lawyer
Yes, the statute for fraud is three years from the time when you discovered or should have discovered the fraud and damage. There is also a commercial fraud statute that is much better for consumers, but it has a one year statute. It may or may not apply in this situation. If the act was negligent rather than intentional, the statute is two years. See a lawyer.