This may have already been addressed, I haven't read all the posts since, but THIS question and ones like it are EXACTLY why we have this thread.-The bank will see all the money you are saving by not paying the mortgage. All this money saved will make them know you're misleading them. You could always have your paycheck direct deposited to a "mystery" bank, but if you do that, then the bank will wonder why they don't see any direct deposits in the non-mystery bank statements that you're sending them.
Walkthewalk, good question - save the money anyway. Put it in an account the bank doesn't know about. I mean, how much interest are you earning anyway during the 18 months this is all going on? 20 bucks? Let's say, worst case scenario, the bank calls and says "Surfwhenucan (we're not friends so he doesn't call me Surf), I would like to draw your attention to the interest income I find in your tax return. Can you provide the last two months statements please?" Surfwhenucan: "Oh thhhaaaatt, I guess I forgot to send it. No sweat Chuck (his name's Charles but I like to mess with him). On the way."
Can anyone guess what I do next?