NORFOLK, Virginia — A one-page mortgage document signed by New York state Attorney General Letitia James is at the center of the federal criminal charges for which she now faces 60 years in federal prison .

In the “second home rider” for her mortgage, which was obtained by The Post, James attested that the property would be a second home occupied primarily by her.

It allowed her to secure a better mortgage rate from Old Virginia Mortgage/Annie Mac — netting her nearly $19,000 in mortgage savings, according to federal prosecutors. 7

In reality, James’ serial criminal grand-niece, Nakia Thompson, moved in soon after she closed on the house, according to the New York Times.

Much of the strength of the case — which alleges James committed federal bank fraud and made misstatements to

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