@missm06,
Misrepresenting your income doesn't sound like a good idea. Most lenders, and all banks are going to demand financial statements, and I'm totally sure they will notice the absence of expenses. Anyway, it does sound like fraud to obtain a loan.
After the initial filing, it is possible to do a revised return within three years of the tax year in question. The form is the 1040X. You are going to have to state the reason for each change. The reason you present don't sound very sound.