Can I refill my tax even though I have paid for a not submitted tax paper work?

Your question makes no sense. If you never filed the original return there's nothing to amend. Why did you make a payment? And what form did you use to make the payment? What kind of scam is this "loan officer" trying to pull off? Did he have you complete a bogus return showing more income that you actually had in order to push the loan through? If so, congrats, you both have just colluded to commit loan fraud, a federal offense! I'd strongly urge you to withdraw your loan application and go elsewhere to secure your loan. When it becomes obvious what you did -- and it will when the underwriter pulls a tax transcript for tax year 2011 and it does not match the copy of the return on his desk -- you and the "loan officer" can both be prosecuted. My money says that the "loan officer" will deny ever counseling you to prepare the fraudulent tax return and will leave you to swing in the wind on your own.

Yes, you can file an amendment to your original tax return using a 1040-X. If this description is accurate, I would find another lender. I don't understand why the loan officer is advising you to screw around with your tax return. --- I think I understand this now. Your loan officer asked you to fill out your tax return without the deductions, and then he took a copy of that to submit with your loan documents. Right? The copy that the loan officer took was supporting information for the loan only. The loan officer is not going to submit your tax return for you. Now that you've figured out that the loan officer didn't submit the return to the IRS, you're trying to figure out what to do, right? Since it sounds like your 2011 tax return was never filed, finish it up, WITH the deductions, then submit it before the deadline.