There are numerous ways that an underwriter will verify information, and most likely, if you are trying to hide something, they will find it. Most lenders now exercise your signed 4506T form to access your tax returns from the IRS. They will also use something called Lexis/Nexis to find out other information such as whether you own additional properties. They will google, use a reverse directory, you name it, they will find it out. Is there something in particular that you are worried about them finding out?