I've heard stories of how unscrupulous mortgage brokers may have pushed their customers into bad loans, but now OregonLive.com has uncovered a JPMorgan Chase memo titled "Zippy Cheats and Tricks." Wow, the audacity is amazing. The memo tells agents how to get mortgages approved by Zippy, Chase's automated loan underwriting system. Basically it's a primer on how to inflate the borrower's income and falsify their loan application. It's not clear how widely the memo circulated but one employee has already been fired for sending it. The take-away for potential home buyers is to triple-check your loan application and make sure you understand the terms.