So how did you get a second mortgage on the house?
I'm convinced you knew about the applications about you not making the amount you stated, that the information you provided to the broker/bank. Of course they may have asked for recent pay subs, or tax returns, did they?

Don't think for one second that because the info the loan officer or broken give the bank to approve the loan that you're all clear, info is provided by you, and they will base upon the info your provided to obtain the loan, and if you provided false document/info you'll be responsible.

Good Luck,

NOTE: Bank also can screw up, but I doubt this one.