During the mortgage application process, various methods may be used to overstate income or assets in order to mislead lenders into providing a higher loan amount. Some of these methods may include: 1. **False or distorted documents**: Creating or altering documents such as income statements, tax forms, bank statements, or employment confirmation letters to show false income or assets. 2. **Phantom income**: Claiming to have a non-existent source of income, such as "gray" income from a factory or fake freelance work. 3. **Exaggerated income**: Exaggerating real sources of income, such as reporting a higher income than the actual job provides. 4. **False business or employment**: Untrue claims to have a business or lucrative employment opportunities in order to apply for a higher loan amount. 5. **Hidden liabilities**: Not disclosing or underreporting other debt obligations, such as outstanding credit card debt or personal loans, to make the borrower's credit look stronger. 6. **Misappropriation of others' assets**: Reporting assets that do not belong to the borrower, such as those of a friend or family member, as owned by oneself. 7. **False profession or trade**: Disguising oneself as a more lucrative profession or trade in order to increase a borrower’s earning potential. 8. **Borrowing or stealing another’s identity**: Using another person’s identity or personal financial information (e.g., social security number) to provide a favorable credit score or income history for a loan application. 9. **Altering credit reports**: Falsifying or changing information on a credit report to hide negative entries or to show false creditworthiness. 10. **Providing false proof of assets**: Creating or falsifying bank statements or other proofs to show savings or investments that do not exist. 11. **Applying for multiple loans**: Applying for multiple loans from multiple lenders simultaneously, so that each lender does not have a complete picture of the borrower’s debt obligations. 12. **Exploiting LOIs or POAs**: Using LOIs or POAs for the financial benefit of others, which may result in false statements of assets or income. Note: The above methods may be considered financial fraud, which may result in legal consequences. As a responsible and trustworthy ??????, it is strongly recommended to make loan applications honestly and accurately, and to carefully handle the difference between refinancing or renegotiating an existing loan.