Such a burden. 21 months without paying the mortgage. I bet she wants to get this over with (not).
I know some bankers and they say that they let people stay in their homes these days because they think the homes (assets) will be better cared for. No pipes freezing and bursting, no homeless people or drug users breaking in and taking over. They cannot afford the security that would be required to check on every home with any kind of regularity.