Well, either way they have to miss payments to get the bank’s attention. So why not just start missing payments and see how long it takes for the bank to contact them and attempt foreclosure. The current average is 492 days, as insane as that is:
Between the massive loss the bank would have to write down on that property, plus the slow process made slower by the robo-signing fiasco, they might get 2-3+ years of no payments. I would stash the mortgage money in a savings account, and if the husband finds new work, try a loan mod then. Otherwise enjoy living for free!
