What? Why are you lying to your lender?
If your mortgage underwriter is smart, the underwriter will verify everything and not take your word for anything. That's how mortgage underwriting SHOULD be done anyway.
Most people tend to estimate their income a bit high and their liabilities a bit low. That's not unusual, but if you are flat out falsifying data, then I would hope the underwriter rejects the application.
The lending and borrowing of money is built upon trust. The ability to borrow is a privilege not an entitlement. You need to rethink your priorities and work on the meaning of the word HONOR.