I got lots of bros in the mortgage biz lots of shadyness liek that goes on as you know. At the extreme a guy I knew went to prision for doing that to the point over 50million worth of loans he certified fell through when the people couldn't pay up... they started looking into why and found out he was inflating incomes like that... or had to have known about it ...
A friend of mine went from making over $500K/ yr to working at Home Depot because of fraud. If you're willing to do it, you can make a ton. People will find you and will give you business. It isn't worth ruining peoples' lives and credit. My conscious wouldn't allow it either.