Months before my husband and I decided to walk away, I spoke with someone at Bank of America regarding HAMP. At the time, we were actually trying to do a refi with HARP, but it turned out our LTV ratio was terrible, so we didn't qualify (this was actually our final attempt to "save" our house before we decided that it just wasn't worth it). In any case, we ran some numbers on the phone and realized our incomes were too high to qualify.
Fast forward to now. We haven't paid our mortgages for two months. I haven't answered any phone calls or letters, and I have made no attempt to contact the bank. We did, however, recently receive a HAMP application via Fed Ex.
I've been told that we should go ahead and fill it out. My issue is that I feel like we've already provided them all the info. (Un)fortunately, we don't have any real hardship - we have simply decided that it makes absolutely no financial sense to keep our place. Is it OK to fill out the forms again and have them go through the motions of possibly ordering past tax returns, pulling credit scores, etc?
For those who are aware that they will "not qualify", have you filled out the entire form honestly, or have you just left out pertinent info? Or, should I not even bother with trying as in the end, it doesn't really make a difference?
Any input would be most appreciated. Thanks!